Consumer Tested Strategies to Save on Mercedes Auto Insurance

Having to pay for overpriced auto insurance can drain your checking account and force you to prioritize other expenses. Comparing price quotes is a smart way to help make ends meet.

Popular companies such as GEICO and Progressive increase brand awareness with ads and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. Finding affordable coverage in Mercedes is quite easy. Nevertheless, Texas drivers do need to know how the larger insurance companies market on the web and use this information to your advantage.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Increase deductibles and save - Your deductibles represent how much money you are required to spend out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims could be colliding with a building, vandalism, and burglary. The higher the amount you have to pay, the bigger discount you will receive.
  • Men fork out a little more - Statistics have proven women are more cautious behind the wheel. However, don't assume that women are BETTER drivers than men. Both sexes have accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations such as DWI and reckless driving.
  • Never let your coverage lapse - Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your coverage lapse. Not only will rates go up, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.
  • Rates may be higher depending on your occupation - Occupations such as lawyers, architects and dentists have the highest average rates because of job stress and long work days. Other occupations like pilots, historians and the unemployed get better rates.
  • Protect your assets with liability insurance - The liability section of your policy is the protection if a court rules you are at fault for personal injury or accident damage. It provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.

Free Quotes for Auto Insurance in Mercedes, Texas

Shopping for lower auto insurance rates can take hours if you don't understand the fastest way to get free quotes. You can spend your afternoon talking to insurance agencies in Mercedes, or you could save time and use the web to get rate comparisons in just a few minutes.

Most of the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company returns a rated price determined by their information. This eliminates the need for form submissions for each company you want a rate for.

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

The only drawback to getting quotes like this is buyers cannot specifically choose which providers you want pricing from. So if you want to choose from a list of companies to request quotes from, we have a listing of auto insurance companies in Texas. View list of Texas insurance companies.

Which method you use is up to you, but make darn sure you compare exactly the same coverages for every quote you compare. If your comparisons have different limits and deductibles on each one it's not possible to determine the best price in Mercedes. Just a small difference in coverage limits can result in a big premium difference. And when comparison shopping, comparing a large number of companies will improve the odds of getting lower pricing.

How much can you save with discounts?

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit.

  • More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Save over 55 - If you're over the age of 55, you can possibly qualify for a small decrease in premiums.
  • Use Seat Belts - Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Claim Free - Drivers who don't have accidents can save substantially when compared with accident-prone drivers.
  • Organization Discounts - Participating in a civic or occupational organization could qualify you for a break when buying auto insurance.
  • Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Defensive Driving Course - Successfully completing a course in driver safety could cut 5% off your bill if your company offers it.
  • Discount for Life Insurance - Larger companies have better rates if you take out life insurance.

Consumers should know that most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will reduce the amount you have to pay.

To choose insurers with the best auto insurance discounts in Mercedes, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies say the same thing of big savings if you move your coverage to them. How can each company make almost identical claims?

Insurance companies have a preferred profile for the type of customer that makes them money. For example, a profitable customer could possibly be between the ages of 40 and 55, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote who fits that profile receives the best rates and is almost guaranteed to save when they switch companies.

Potential customers who don't meet the requirements must pay higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. This is how insurance companies can confidently state the savings.

This illustrates why you need to get a wide range of price quotes. It's impossible to know which insurance companies will give you the biggest savings.

How much car insurance do I need?

When buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For example, these questions may help you determine if your insurance needs will benefit from professional help.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I put collision coverage on all my vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Are rental cars covered under my policy?
  • Am I getting all the discounts available?
  • What can I do if my company won't pay a claim?
  • Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Additional auto insurance information can be found on the website for the Texas Department of Insurance located here. Texas consumers can report car insurance fraud, learn about insurance regulations, find a variety of consumer forms, and read industry bulletins.

Mercedes auto insurance comparison

Affordable insurance is out there

Cost effective auto insurance is definitely available online as well as from independent agents in Mercedes, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, it's a bad idea to reduce coverage to reduce premium. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.