10 Tips to Save on Car Insurance in Palacios

Sick and tired of paying out the nose each month for car insurance? Your situation is no different than many other drivers in Texas.

Consumers have many to pick from, and even though it's nice to have a selection, it can be more difficult to compare rates.

It's important to compare rates before your policy renews since rates are constantly changing. Despite the fact that you may have had the best price last year you can probably find a lower rate today. Ignore everything you know about car insurance because we're going to demonstrate one of the best ways to reduce your cost while improving coverage.

Texas car insurance

Compare Palacios Car Insurance Costs

There are several ways to get quotes and find the best price. The best method to compare insurance prices consists of shopping online. This can be done in just a few minutes using one of these methods.

  • The recommended way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method eliminates the need for separate quotation requests to each individual car insurance company. In just a few minutes this one form will get you rate comparisons from car insurance companies with the best prices.
  • A more time consuming way to get quotes online requires you to visit each company website and fill out their own quote form. For instance, let's assume you want rates from , and . To find out each rate you need to go to every website and enter your policy data, which is why the first method is more popular. To view a list of companies in Palacios, click here.
  • The least efficient way to get comparison rates is to spend time driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you require the trained guidance only provided by licensed Palacios agents. You can, however, get the lowest quotes online and still use a local agent and we'll cover that in a bit.

Whichever way you use, ensure you're using identical coverage information for every quote you compare. If you are comparing unequal deductibles or liability limits it's impossible to determine the best price in Palacios. Just a small difference in coverages may result in a large different in cost. And when price shopping your coverage, getting more free quotes helps you find the best offered rates.

Save big with these ten discounts

Car insurance can cost a lot, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply at the time of purchase, but a few need to be asked for prior to receiving the credit.

  • Passive Restraint Discount - Vehicles with factory air bags may earn rate discounts of 20% or more.
  • Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount with certain companies.
  • Resident Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Payment Method - If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Early Switch Discount - Some insurance companies reward drivers for buying a policy before your current expiration date. It's a savings of about 10%.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Good Students Pay Less - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Use Seat Belts - Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. So when it seems like all those discounts means the company will pay you, car insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

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

Learn more today

Additional information can be found on the website for the Texas Department of Insurance located here. Visitors are able to find out industry alerts, read industry bulletins, read enforcement actions against agents and companies, and view agent and company licensing information.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Palacios insurance agents.