Car Insurance in La Villa - 6 Discounts You Might be Losing Out On

If shopping for car insurance online is new to you, it's easy to be confused because of the huge number of car insurance companies all offering big savings in La Villa.

It's important to get comparison quotes occasionally since rates are constantly changing. Even if you got the best price last year you will most likely find a better rate today. Ignore everything you know about car insurance because you're about to find out the only way to find the best coverage while lowering your premiums.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but companies offer discounts that many people don't even know exist. Some trigger automatically when you quote, but a few need to be asked for before you get the savings.

Bundle and Save - If you have multiple policies with one company you may earn up to 20% off your total premium.
Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
Payment Discounts - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
Save with a New Car - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
No Claims - Good drivers with no accidents can save substantially as compared to drivers who are more careless.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will reduce the amount you have to pay.

Insurance agents can help

When it comes to buying the right insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's situation is unique.

For example, these questions might point out whether your personal situation would benefit from an agent's advice.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Are my tools covered if they get stolen from my vehicle?
Can I still get insurance after a DUI?
Will I be non-renewed for getting a DUI or other conviction?
Can I afford to buy a different vehicle if my vehicle is totaled?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Save $429 a year? Really?

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all seem to make the same claim about savings if you switch your policy. How can each company claim to save you money? This is how they do it.

All companies have a certain "appetite" for the right customer that earns them a profit. For example, a desirable insured might be between 25 and 40, owns a home, and has great credit. Any new insured who matches those parameters gets the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements will have to pay a higher premium which leads to the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that kind of money. That is how companies can truthfully advertise the savings.

Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

For more Texas car insurance information

Additional information can be found on the Texas Department of Insurance website. Click here for link. Visitors are able to view agent and company licensing information, find out industry alerts, and read consumer alerts.

The best insurance company isn't always the cheapest

As you prepare to switch companies, it's not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured cut physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find for the lowest price.

Insureds switch companies for any number of reasons including policy non-renewal, policy cancellation, unfair underwriting practices and even high rates after DUI convictions. No matter why you want to switch, switching car insurance companies is less work than it seems.

Cheap car insurance can be found both online in addition to many La Villa insurance agents, so you should compare both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.