5 Discounts Pecos Consumers Forget when Comparing Car Insurance

If you're new to shopping for car insurance online, you can be overwhelmed because of the huge number of car insurance companies competing for business in Pecos.

It's important to compare prices periodically since rates are constantly changing. If you had the best deal a few years ago there is a good chance you can find better rates now. So forget anything you know (or think you know) about car insurance because we're going to show you the proper way to find lower rates on car insurance.

This information will familiarize you with how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you should be able to save some money using this information. Texas vehicle owners just need to know the most efficient way to compare company rates online.

Pecos Car Insurance Comparisons

There are several ways to shop for car insurance, but there is one way that is more efficient than others. You can spend your afternoon driving to insurance companies in Pecos, or you could use online quoting to achieve your goal.

Most of the larger companies belong to a marketplace that allows shoppers to submit their information once, and at least one company then returns a price quote for coverage. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

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

The only downside to using this type of system is you can't choose which providers you want to price. So if you prefer to choose from a list of companies to compare prices, we have a page of companies who write car insurance in Texas. View list of Texas insurance companies.

It doesn't matter which method you choose, just be sure to compare identical deductibles and coverage limits on every quote. If you use different values for each quote then you won't be able to make a fair comparison in Pecos.

Be sure to get all your discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied when you complete an application, but some must be manually applied before they will apply. If you're not getting every credit you qualify for, you are paying more than you should be.

Bundle and Save - If you insure your home and vehicles with one company you may earn at least 10% off all policies.
Passive Restraints - Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
Accident Forgiveness - Certain companies allow you one accident before hitting you with a surcharge as long as you don't have any claims for a set time period.
Auto/Life Discount - Select insurance companies reward you with a discount if you purchase life insurance.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To choose companies with the best car insurance discounts in Texas, click this link.

Is there truth in advertising?

Consumers in Texas can't ignore all the ads for cheaper car insurance from the likes of GEICO, State Farm and Progressive. They all seem to make the same claim that you'll save big if you move your coverage to them.

How does each company claim to save you money? It's all in the numbers.

Insurance companies have a certain "appetite" for the type of customer that makes them money. An example of a desirable insured might be between the ages of 30 and 50, a clean driving record, and has a short commute. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards will have to pay higher rates which leads to the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that much money. That is how companies can make the claims of big savings.

Because of the profiling, you need to compare many company's rates. It's just too difficult to predict which company will fit your personal profile best.

How do I know if I need professional advice?

When buying proper insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Every situation is different.

For example, these questions may help highlight whether or not you might need an agent's assistance.

What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
What can I do if my company won't pay a claim?
I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
When do I need to add a new car to my policy?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Much more information about car insurance in Texas is available on the Texas Department of Insurance website found here. Visitors are able to view agent and company licensing information, find out industry alerts, and view a list of available companies.

In the end, you save

As you shop your coverage around, never reduce coverage to reduce premium. In many instances, someone dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at the best price.

We just covered many ideas to compare car insurance prices online. The key concept to understand is the more rate quotes you have, the better chance you'll have of finding lower rates. Consumers may even find the lowest rates come from some of the smallest insurance companies.

Insureds who switch companies do it for a variety of reasons including policy non-renewal, poor customer service, unfair underwriting practices or even an unsatisfactory settlement offer. Regardless of your reason, finding a new car insurance company is easier than you think.