Top Ways to Save on Laredo Auto Insurance

Nobody likes having to buy auto insurance, especially knowing the cost is way too high.

Drivers have multiple to pick from, and although it's a good thing to have a selection, it can be more challenging to compare rates.

It's important to compare prices occasionally since insurance rates are constantly changing. If you had the best price a few years ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because we're going to demonstrate one of the easiest ways to eliminate unnecessary coverages and save money.

Finding Auto Insurance in Laredo, TX

There are multiple methods to shop for auto insurance, but one way is less labor-intensive and much quicker. You can spend countless hours talking to insurance companies in Laredo, or you could use online quotes to get prices fast.

The majority of car insurance companies enroll in a system that enables customers to enter their coverage request one time, and each participating company then gives them pricing for coverage. This system prevents you from having to do quote forms to each individual auto insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to comparing rates this way is you cannot specify the providers you want pricing from. If you would rather choose specific insurance companies to compare rates, we put together a list of companies who write auto insurance in Texas. View list of Texas insurance companies.

It's up to you how you get prices quotes, just make absolute certain that you use identical deductibles and coverage limits on every quote you get. If you use different values for each quote then you won't be able to determine which rate is truly the best in Laredo. Having just a slight variation in coverages may cause a big price difference. And when quoting auto insurance, remember that obtaining a wide range of quotes helps you find better pricing.

Don't pay full price with these discounts

Companies offering auto insurance don't always list all their discounts very clearly, so we took the time to find some of the best known and also the lesser-known ways to save on auto insurance.

  • Accident Forgiveness - Certain companies allow you one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Homeowners Savings - Owning a house in Laredo may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Bundle and Save - When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

To see a list of companies with the best auto insurance discounts in Texas, click this link.

Your personal situation dictates your coverage

When choosing the right insurance coverage for your vehicles, there isn't really a one size fits all plan. Every situation is different so this has to be addressed. Here are some questions about coverages that might point out whether or not you would benefit from an agent's advice.

  • Does my policy cover me when driving someone else's vehicle?
  • 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?
  • Who is covered when they drive my vehicle?
  • What can I do if my company won't pay a claim?
  • Does my policy cover my teen driver if they drive my company car?
  • I have good health insurance, so how much medical payments coverage do I need?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

For more Texas car insurance information

Even more information can be found at the Texas Department of Insurance website. Texas drivers can learn about insurance regulations, read consumer alerts, view a list of available companies, and file complaints about an insurance agent or broker.

Additional helpful sites include this site for Texas auto insurance information and see this list of insurance agents in Laredo.