Proven Techniques to Save on Mansfield Auto Insurance

Having to pay for overpriced auto insurance can take a big chunk out of your savings account and put the squeeze on your family's finances. Comparison shopping is a smart way to help make ends meet.

Drivers have so many to pick from, and even though it's nice to have a choice, too many choices makes it more difficult to compare rates.

Finding affordable coverage in Mansfield is not that difficult. In a nutshell, anyone who carries auto insurance will be able to reduce their rates. Although Texas vehicle owners do need to know how big insurance companies sell online and apply this information to your search.

Which Auto Insurance is Cheapest in Mansfield, Texas?

The are a couple different ways of comparing rate quotes from local Mansfield auto insurance companies. The recommended way to find the cheapest insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

The first (and easiest) way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This method keeps you from doing boring form submissions for every auto insurance company. One form submission gets you price quotes from all major companies.

A less efficient way to shop for auto insurance online requires a trip to the website of each company and fill out their own quote form. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular.

For a list of links to companies insuring cars in Mansfield, click here.

Which method you use is up to you, but ensure you are comparing identical quote information for each comparison quote. If you are comparing mixed coverages it will be impossible to determine the lowest rate in Mansfield. Just a small difference in coverages can result in a big premium difference. Just remember that comparing a large number of companies helps you find a better price.

How to Lower your Auto Insurance Rates

It's important that you understand some of the elements that play a part in calculating auto insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

Do you work long hours in a high stress job? - Careers like lawyers, architects and financial analysts have higher average rates because of high stress levels and lengthy work days. Conversely, occupations like pilots, engineers and retirees get better rates.
Marriage brings a discount - Having a spouse helps lower the price when buying auto insurance. Having a significant other translates into being more responsible and it's proven that married drivers get in fewer accidents.
High deductibles save money - Your deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. The higher the amount you have to pay, the bigger discount you will receive.
Pleasure use saves money - The higher the mileage driven in a year's time the higher your rate. Almost all companies price each vehicle's coverage based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance declarations sheet shows the correct usage for each vehicle.
Optional equipment can affect rates - Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your car from being stolen.
Don't skimp on liability - Your policy's liability coverage is the protection when a jury decides you are liable for personal injury or accident damage. It provides for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.

Policy discounts you shouldn't miss

Auto insurance companies don't always advertise every discount very clearly, so we took the time to find some of the best known as well as the least known auto insurance savings.

Claim Free - Drivers who don't have accidents can save substantially when compared to frequent claim filers.
Paperwork-free - Certain companies give back up to $50 for buying your policy over the internet.
Multiple Cars - Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you could save up to 5%.
Accident Waiver - Certain companies will forgive one accident without raising rates if your claims history is clear prior to the accident.
Distant Student - Children who attend school more than 100 miles from home and don't have a car can receive lower rates.

A little note about advertised discounts, most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

For a list of insurance companies with discount auto insurance rates in Texas, follow this link.

Even more information can be found at the Texas Department of Insurance website. Texas drivers can read industry bulletins, get help finding coverage, report car insurance fraud, and file complaints about an insurance agent or broker.

Other useful links include this online resource for auto insurance quotes in Texas and this list of insurance agents in Mansfield.

Final considerations

The cheapest auto insurance can be sourced on the web as well as from independent agents in Mansfield, so compare prices from both in order to have the best price selection to choose from. Some insurance companies don't offer online quoting and these regional insurance providers work with independent agents.

As you restructure your insurance plan, make sure you don't reduce needed coverages to save money. There are too many instances where drivers have reduced physical damage coverage only to discover later that they should have had better coverage. Your strategy should be to buy the best coverage you can find at a price you can afford while still protecting your assets.