Car Insurance in Murphy - 9 Ways to Save Money

Having to pay for overpriced car insurance can dwindle your savings account and make it impossible to make ends meet. Comparison shopping is a great way to slash your bill and have more diposable income. Because you have many companies to choose from, it is hard for the average consumer to pick the most affordable insurance company.

It's important to do rate comparisons quite often since rates are constantly changing. Even if you got the lowest price last year you can probably find a lower rate today. You can find a lot of misleading information regarding car insurance on the internet, so we're going to give you some great ways to find affordable car insurance.

Buying car insurance in Murphy is not that difficult. If you have car insurance now, you will be able to cut costs considerably using these methods. Texas consumers only need to know the most efficient way to get comparison quotes over the internet.

Texas car insurance

Low Cost Murphy Car Insurance

Cutting your Murphy car insurance rates is a fairly straight forward process. Just take time comparing rates from different insurance companies. This can be accomplished in several different ways.

  • The recommended way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating separate quotation requests for every car insurance company. One form gets rate comparisons from car insurance companies with the best prices.
  • A different way to compare rate quotes is spending the time to visit each company website to complete a price quote. For example, let's assume you want comparison quotes from , and . To get rate quotes you would need to visit each site and enter your policy data, and that's why the first method is more popular.

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

Whichever method you choose, make darn sure you compare apples-to-apples information with each company. If you compare higher or lower deductibles you will not be able to make an equal comparison in Murphy.

Take advantage of discounts

Companies that sell car insurance don't always list every available discount very well, so we researched some of the more common and the harder-to-find discounts you could be receiving. If you don't get every credit you deserve, you're paying more than you need to.

  • Good Student Discount - A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Resident Student - Youth drivers who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Multi-policy Discount - When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • New Car Discount - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Accident Free - Drivers who don't have accidents pay much less compared to bad drivers.
  • Accident Waiver - Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.
  • 55 and Retired - Mature drivers may be able to get reduced rates.

A little note about advertised discounts, some credits don't apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. So when the math indicates you can get free auto insurance, you won't be that lucky.

To see a list of providers who offer car insurance discounts in Texas, click here.

How to know if you need help

When choosing the best car insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Every insured's situation is different and your policy should reflect that. These are some specific questions may help you determine whether your personal situation might need an agent's assistance.

  • Do I need to file an SR-22 for a DUI in Texas?
  • Do I pay less if my vehicle is kept in my garage?
  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover me when driving someone else's vehicle?

If you can't answer these questions but a few of them apply then you might want to talk to an agent. If you don't have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Even more information is located at the Texas Department of Insurance website. Consumers can file complaints about a company, read enforcement actions against agents and companies, view agent and company licensing information, and find out industry alerts.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in Murphy Texas.