Top Ways to Save on New Caney Auto Insurance

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

Drivers have multiple to buy insurance from, and although it's nice to be able to choose, it can be more challenging to compare rates.

It's important to compare prices every six months because prices are constantly changing. Even if you think you had the best price a few years ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate how to quote online to get good coverage at a lower rate.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. Knowing what influences your rates enables informed choices that may reward you with lower auto insurance prices.

With age comes lower rates - Teen drivers in Texas have a tendency to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Do you have enough liability coverage? - Your policy's liability coverage provides coverage if ever a court rules you are at fault for causing damage or personal injury in an accident. It provides for a legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
Do you need those extra coverages? - There are quite a few extra coverages that you can buy on your auto insurance policy. Coverages for vanishing deductibles, towing coverage and term life insurance are some examples. These coverages may sound good when you first buy your policy, but if they're wasting money eliminate them to save money.
Having a spouse can save you money - Having a spouse helps lower the price on auto insurance. It means you're more mature and it's proven that being married results in fewer claims.
Men are more aggressive - Statistics demonstrate that women are safer drivers than men. Now that doesn't mean men are worse drivers. Women and men have accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets such as DWI and reckless driving.
Careful drivers pay lower rates - Your driving citation history has a lot to do with how much you pay for insurance. Just one moving violation can boost insurance rates twenty percent or more. Careful drivers have lower premiums than their less careful counterparts. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.

Policy discounts you shouldn't miss

Car insurance companies don't list all their discounts very clearly, so we took the time to find both well-publicized as well as the least known discounts you could be receiving.

Save over 55 - If you're over the age of 55, you may receive better auto insurance rates.
Organization Discounts - Participating in a qualifying organization may earn a discount on auto insurance.
Safety Course Discount - Completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
Sign Online - Certain companies will discount your bill up to fifty bucks just for signing your application over the internet.

Keep in mind that some credits don't apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it just doesn't work that way.

To choose companies with discount auto insurance rates in Texas, click here.

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to have a common claim that you can save if you change to their company. How does each company make almost identical claims?

All companies are able to cherry pick for the driver that makes them money. For example, a desirable insured could possibly be between the ages of 40 and 55, has no driving citations, and has a short commute. A customer getting a price quote that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can make the claims of big savings. Because of the profiling, you should get as many comparisons as possible. It's impossible to know which auto insurance company will fit your personal profile best.

Learn more about Texas auto insurance

Additional detailed information can be found at the Texas Department of Insurance website. Texas consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, discover disciplinary actions, and get help finding coverage.

Final considerations

As you shop your coverage around, it's very important that you do not buy poor coverage just to save money. There are many occasions where someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at a price you can afford.

Affordable auto insurance is attainable online and also from your neighborhood New Caney agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

You just read a lot of ways to save on auto insurance. It's most important to understand that the more times you quote, the better your comparison will be. You may even find the lowest priced auto insurance comes from a small local company. Some small companies can often insure niche markets at a lower cost compared to the large companies like .