How to Know You're Wasting Money for Auto Insurance in Miles

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, there are lots of people in the same boat.

Insurance companies such as GEICO and Progressive all promote huge savings with advertising and it is difficult to sift through the bull and find the best price available.

Compare the Market for Auto Insurance in Miles

There are several ways to compare rate quotes from auto insurance companies in your area. The recommended way to find the cheapest insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This method prevents you from having to do separate quotation requests for each company. Completing one form gets you price quotes from auto insurance companies with the best prices.

A harder way to compare rate quotes requires visiting the website of each company to complete their respective quote request forms. For example, let's assume you want to compare rates from , and . You would have to visit each site and enter your policy data, which is why the first method is more popular.

To view a list of companies in Miles, click here.

Whichever way you use, compare exactly the same quote information on every quote you get. If you compare mixed coverages it will be impossible to determine which rate is truly the best in Miles. Just a small difference in coverages may cause a big price difference. Just keep in mind that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that help determine auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to better auto insurance rates.

Lower rates with optional equipment - Choosing a vehicle with an alarm system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
Policy add-ons can waste money - There are a ton of extra coverages that can waste your money if you aren't careful. Insurance for roadside assistance, accident forgiveness and term life insurance are examples of these. These may sound like a good investment when you first buy your policy, but if they're wasting money eliminate the coverages to reduce your premium.
Adjust deductibles and save - Your deductibles define the amount you are required to spend before your auto insurance pays a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more you are required to pay out-of-pocket, the less your auto insurance will be.
Never go without insurance - Letting your insurance expire will be a fast way to bump up your auto insurance costs. Not only will you pay more, but not being able to provide proof of insurance can result in a steep fine or even jail time.
Occupation reflects on rates - Did you know your auto insurance rates can be affected by your occupation? Careers like judges, architects and dentists tend to have the highest average rates because of high stress levels and long work hours. Other professions such as actors, historians and performers receive lower rates.
High crash test scores lower rates - Safer cars are cheaper to insure. The safest vehicles reduce injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders.
Marriage pays dividends - Having a wife or husband can get you a discount when buying auto insurance. Having a significant other means you're more responsible and it's proven that being married results in fewer claims.

Take advantage of discounts

Companies that sell car insurance do not advertise every discount in a way that's easy to find, so we researched some of the best known as well as the least known auto insurance savings.

Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class if it's offered in school.
Low Mileage Discounts - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
Homeowners Discount - Simply owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.
Use Seat Belts - Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
No Accidents - Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
Service Members Pay Less - Having a deployed family member may qualify for rate reductions.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most cut individual premiums such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, you won't be that lucky.

For a list of insurance companies who offer auto insurance discounts in Miles, follow this link.

Even more information is located at the Texas Department of Insurance website. Texas drivers can view a list of available companies, discover disciplinary actions, report car insurance fraud, and find a variety of consumer forms.

Shop smart and save

Cheaper auto insurance can be sourced on the web and also from your neighborhood Miles agents, and you need to price shop both to have the best selection. A few companies may not provide online quoting and these small, regional companies work with independent agents.

Throughout this article, we presented many ways to lower your auto insurance rates. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the best price on auto insurance is with a small local company. Smaller companies may cover specific market segments cheaper than their larger competitors like .