Car Insurance in Orange Grove - 7 Discounts to Save Money

Paying for high-priced car insurance can empty your bank account and make it impossible to make ends meet. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income.

Drivers have multiple to buy insurance from, and even though it's nice to have a selection, it can be more challenging to compare rates.

It's important to compare prices on a regular basis since rates are constantly changing. Even if you got the lowest price a couple years back the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because we're going to demonstrate the tricks you need to know to buy cheaper car insurance.

Don't pay full price with these seven discounts

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

  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Accident Waiver - Certain companies will allow you to have one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • College Student - Any of your kids who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Sign Online - Certain companies will give a small break for buying your policy over the internet.
  • Own a Home - Owning a house in Orange Grove may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • 55 and Retired - Mature drivers may be able to get better car insurance rates.
  • Driver Safety - Completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

To see a list of companies who offer car insurance discounts in Texas, click this link.

Texas car insurance quotes

Which Car Insurance is Cheapest in Orange Grove, Texas?

Effectively comparing car insurance prices can take time and effort if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in Orange Grove, or you can stay home and use online quotes to quickly compare rates.

Many insurance companies enroll in a system that enables customers to only type in their quote data once, and each company then returns a price quote for coverage. This system prevents you from having to do quotation requests to each individual car insurance company.

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

One minor caviat to comparing rates this way is buyers cannot specifically choose which carriers you want to price. So if you want to choose specific providers to request quotes from, we put together a list of the cheapest car insurance companies in Texas. Click to view list.

It's up to you how you get prices quotes, just ensure you are comparing identical information on every quote you get. If you use higher or lower deductibles you will not be able to determine which rate is truly the best in Orange Grove. Having just a slight variation in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate the best price.

The car insurance bait and switch

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads in print and on television. They all seem to make the same claim about savings after switching to their company. How does each company make the same claim? This is how they do it.

All companies have a preferred profile for the driver that is profitable for them. For instance, a desirable insured could be between the ages of 40 and 55, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who matches those parameters is entitled to the best price and therefore will save when switching.

Potential customers who don't measure up to these standards will have to pay a higher premium which leads to business going elsewhere. Company advertisements say "drivers who switch" not "everyone that quotes" save that much. This is how companies can truthfully advertise the way they do. Because of the profiling, drivers must compare as many rates as you can. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Final considerations

As you go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. In many instances, drivers have reduced liability coverage limits only to discover later that the savings was not a smart move. The ultimate goal is to buy enough coverage for the lowest price.

Cheaper car insurance can be purchased from both online companies and also from your neighborhood Orange Grove agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Even more information is located at the Texas Department of Insurance website. Consumers can file complaints about an insurance agent or broker, get help finding coverage, view agent and company licensing information, and read enforcement actions against agents and companies.