Lexington Car Insurance For Less Than You're Paying Now

Are you overwhelmed by the sheer number of car insurance companies in Lexington? You're not the only one! There are so many companies to choose from that it can turn into a ton of work to locate the lowest price.

It's important to compare prices at least once a year due to the fact that insurance rates are constantly changing. Just because you found the lowest rates on your last policy a different company probably has better rates today. Starting right now, block out anything you think you know about car insurance because I'm going to teach you the tricks you need to know to find lower rates on car insurance.

If you have a current car insurance policy or need new coverage, you can learn to find the best rates while maintaining coverages. Finding affordable protection in Lexington is not that difficult. Texas vehicle owners just need to know the tricks to shop their coverage around over the internet.

More discounts equal less premium

Car insurance can cost a lot, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically at quote time, but lesser-known reductions have to be inquired about in order for you to get them. If they aren't giving you every credit possible, you are throwing money away.

Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems can get savings of more than 20%.
Low Mileage - Fewer annual miles can earn lower rates on the low mileage vehicles.
E-sign - Certain companies may give you up to $50 for buying a policy and signing up on their website.
Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.
Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
Claim Free - Drivers with accident-free driving histories can save substantially compared to drivers who are more careless.
Clubs and Organizations - Being a member of certain professional organizations could qualify you for a break on your policy.
Federal Government Employee - Active or retired federal employment can save as much as 8% with certain companies.
Resident Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.

Drivers should understand that most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will cut your premiums.

How to Lower your Car Insurance Rates

Smart consumers have a good feel for some of the elements that help determine the rates you pay for car insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that can help you get lower car insurance prices.

Bad driving skills means higher rates - Your driving record impacts your car insurance rates tremendously. Drivers who don't get tickets receive lower rates compared to drivers with tickets. Just one ticket can bump up the cost forty percent or more. Drivers who get flagrant violations like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
Add-on coverages can add up - There are a ton of extra coverages you can purchase when buying car insurance. Coverages like personal injury protection, better glass coverage and additional equipment coverage are examples of these. They may seem like a good idea at first, but now you might not need them so get rid of them and save.
Marriage brings a discount - Having a spouse can get you a discount when buying car insurance. Marriage translates into being more mature than a single person and it's statistically proven that being married results in fewer claims.
Adjust deductibles and save - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims would be colliding with a building, damage caused by hail, and burglary. Your deductibles are the amount of money you are required to spend before a claim is paid by your company. The higher the amount you have to pay, the less your car insurance will be.
Older drivers pay less - Older insureds tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers are known to be careless and easily distracted when behind the wheel therefore car insurance rates are much higher.
Your location affects your rates - Choosing to live in a rural area has it's advantages when talking about car insurance. Fewer drivers means a lower chance of having an accident. Drivers in populated Texas areas have congested traffic and much longer commute distances. More time commuting translates into higher accident risk.
Occupation reflects on rates - Did you know your occupation can influence how much you pay for car insurance? Occupations like lawyers, architects and accountants have higher rates than average attributed to stressful work requirements and lengthy work days. On the flip side, jobs such as actors, athletes and performers get better rates.

Switch companies and save? Really?

Consumers in Texas get pounded daily by advertisements that promise big savings from the likes of State Farm and Allstate. All the ads say the same thing that you'll save big after switching your coverage to them.

How do they all claim to save you money?

All companies are able to cherry pick for the type of customer that earns them a profit. For example, a preferred risk might be over the age of 50, has no tickets, and has great credit. Any driver who fits that profile is entitled to the best price and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile will be charged more money which usually ends up with the customer not buying. The ads state "people who switch" not "everyone that quotes" save that much money. That's the way companies can advertise the savings.

That is why drivers should quote coverage with many companies. You cannot predict which car insurance company will fit your personal profile best.

Much more information about car insurance in Texas can be found on the Texas Department of Insurance website through this link. Visitors are able to file complaints about a company, discover disciplinary actions, and get help finding coverage.

And the best car insurance company is...

We just presented a lot of information how to reduce car insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Drivers may discover the biggest savings come from an unexpected company.

Budget-conscious car insurance can be sourced both online as well as from independent agents in Lexington, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who don't offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When you buy insurance online, never skimp on coverage in order to save money. There have been many cases where an insured dropped uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.