Mathis Car Insurance For Less Than You're Paying Now

Are you intimidated by the crazy number of car insurance companies in Mathis? Many other consumers are too. Drivers have so many companies to choose from that it can turn into a lot of work to locate the lowest price.

It's important to get comparison quotes every six months due to the fact that insurance rates are constantly changing. If you had the best price a few years ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because we're going to demonstrate the fastest and easiest way to find the best coverage while lowering your premiums.

Understand what determines the rate you pay

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for car insurance. Knowing what influences your rates helps enable you to make changes that can help you get better car insurance rates.

The list below includes a few of the "ingredients" that factor into your rates.

  • Discounts for multiple policies - The majority of insurers give discounts to insureds who buy several policies from them in the form of a multi-policy discount. Even with this discount, it's in your best interest to comparison shop to confirm you are receiving the best rates possible. Consumers may find a better deal by splitting coverages up.
  • Liability insurance protects assets - The liability section of your policy provides coverage in the event that you are found liable for damages caused by your negligence. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Rates may be higher depending on your occupation - Occupations like lawyers, business owners and financial analysts are shown to have higher average rates in part from high stress and long work hours. Conversely, jobs such as actors, engineers and the unemployed pay the least.
  • Teen drivers pay high rates - Youthful drivers in Texas tend to be less responsible when behind the wheel so they pay higher car insurance rates. Older insureds tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Men fork out a little more - Statistics demonstrate that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. Men and women cause accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also receive more costly citations like DUI and reckless driving.
  • Small claims can cost you - If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Insurance companies in Texas award lower rates to drivers who do not rely on their insurance for small claims. Car insurance is intended for the large, substantial claims.

Mathis car insurance quote

How to Compare Car Insurance in Mathis, Texas

All major car insurance companies like Allstate and Progressive allow you to get insurance quotes directly from their websites. Obtaining pricing doesn't take much effort as you simply enter the coverages you want into the quote form. After the form is submitted, the system will obtain credit information and your driving record and returns a price quote based on these factors.

Being able to quote online makes it a lot easier to compare rates but the time required to go to several different sites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to perform this step in order to find a lower rate.

The preferred way to lower your rates makes use of a single form to return rates from several different companies. It's a real time-saver, eliminates form submissions, and makes online shopping much more enjoyable. After sending the form, it is rated and you are able to buy any one of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.

In order to find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you currently have coverage, we recommend that you enter the insurance coverages exactly as shown on your declarations page. This makes sure you will be getting comparison quotes for the exact same coverage.

More discounts equal less premium

Companies offering auto insurance don't always advertise every available discount very clearly, so we took the time to find both the well known and the harder-to-find savings tricks you should be using. If you're not getting every credit possible, you are paying more than you should be.

  • Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Organization Discounts - Being a member of a qualifying organization is a good way to get lower rates on your policy.
  • Federal Government Employee - Employees or retirees of the government can earn a discount up to 10% with certain companies.
  • Resident Student - Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Senior Citizens - If you're over the age of 55, you can possibly qualify for a discount up to 10%.

It's important to note that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you could get a free car insurance policy, you're out of luck.

To choose providers with the best car insurance discounts in Texas, click here to view.

Switch companies and save? Really?

Consumers in Texas can't ignore all the ads that promise big savings from companies such as Allstate and Progressive. All the ads make an identical promise that you can save if you move your policy.

How does each company claim to save you money? This is how they do it.

Different companies are able to cherry pick for the right customer that makes them money. For example, a preferred risk might be between 25 and 40, has no driving citations, and has a short commute. Any driver who meets those qualifications is entitled to the best price and therefore will save when switching.

Potential customers who do not match these standards will be charged a higher premium and ends up with the customer not buying. Company advertisements say "drivers who switch" not "everyone that quotes" save that kind of money. That's the way insurance companies can make the claims of big savings. That is why you need to get a wide range of price quotes. You cannot predict which car insurance company will fit your personal profile best.

Additional detailed information can be found at the Texas Department of Insurance website. Visitors are able to read consumer alerts, find out which companies have the most complaints, and read industry bulletins.

And the best car insurance company is...

As you shop your coverage around, it's very important that you do not reduce coverage to reduce premium. Too many times, someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

Lower-priced car insurance is definitely available both online in addition to many Mathis insurance agents, so you should compare both to have the best rate selection. Some insurance providers do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

People who switch companies do it for any number of reasons including policy cancellation, questionable increases in premium, high rates after DUI convictions or even not issuing a premium refund. It doesn't matter why you want to switch switching car insurance companies is easier than you think.