Top 9 Ways to Get Lower Rates on Car Insurance in Melissa, TX

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, you're not the only one.

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

It's important to compare prices every six months since rates are constantly changing. Even if you think you had the best price last year there may be better deals available now. Forget anything you know (or think you know) about car insurance because we're going to demonstrate how to quote online to eliminate unnecessary coverages and save money.

How much can you save with these nine discounts?

Car insurance companies don't always advertise all their discounts very clearly, so we took the time to find some of the more common and also the lesser-known ways to save on car insurance.

  • Sign Online - Certain companies will give a small break just for signing your application over the internet.
  • Club Memberships - Belonging to a qualifying organization could trigger savings on car insurance.
  • Safety Course Discount - Completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Bundle and Save - When you have multiple policies with one company you may save up to 20% off your total premium.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Claim Free - Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
  • Braking Control Discount - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Discount for Swiching Early - Some companies give discounts for switching to them before your current policy expires. The savings is around 10%.
  • Discount for Good Grades - Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.

Keep in mind that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it just doesn't work that way.

For a list of companies with discount car insurance rates in Texas, click this link.

Comprehensive Melissa Car Insurance Comparison

There are several ways to compare car insurance prices but some are less labor-intensive and much quicker. You can waste hours talking to agents in Melissa, or you could use the web to get prices fast.

Most car insurance companies belong to a marketplace that allows shoppers to send in one quote, and each participating company then gives them pricing based on that data. This system prevents you from having to do quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is you can't choose the companies you want pricing from. If you prefer to choose specific providers for rate comparison, we have assembled a list of companies who write car insurance in Texas. Click here to view list.

It doesn't matter which method you choose, just ensure you are comparing identical coverage limits on every quote you get. If you have differing limits then you won't be able to determine which rate is truly the best in Melissa. Having just a slight variation in limits can result in a big premium difference. Just remember that comparing a large number of companies helps you find better pricing.

Shop smart and save

Affordable car insurance is attainable from both online companies as well as from independent agents in Melissa, and you should compare price quotes from both to have the best selection. There are still a few companies who don't offer online quoting and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, make sure you don't sacrifice coverage to reduce premiums. In many cases, someone sacrificed physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the best price.