Best Way to Find Cheap Priddy Auto Insurance

Are you intimidated by the dozens of auto insurance options in Priddy? Lot's of other consumers are too. There are so many companies to choose from that it can turn into a lot of work to find the perfect company for you.

It's important to compare prices every six months since insurance rates are constantly changing. Just because you found the lowest price on your last policy a different company probably has better rates today. Block out anything you think you know about auto insurance because we're going to demonstrate how to use online quotes to properly buy coverages while reducing your premium.

Be sure to get all your discounts

Companies that sell car insurance don't always list every available discount very clearly, so we researched some of the best known and also the lesser-known savings tricks you should be using.

  • Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • No Charge for an Accident - Certain companies allow you one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • New Vehicle Savings - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • No Accidents - Drivers with accident-free driving histories pay much less compared to drivers who are more careless.
  • E-sign - A handful of insurance companies give back up to $50 for buying your policy over the internet.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

Priddy auto insurance quote

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the different types of things that help determine auto insurance rates. Knowing what impacts premium levels enables informed choices that can help you get big savings.

The following are a partial list of the pieces auto insurance companies consider when setting your rates.

  • More than one policy can earn a discount - Many insurers give discounts to people who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount it's still a good idea to compare other company rates to ensure the best deal. You may still find a better deal by insuring with multiple companies.
  • Liability coverage is cheap - Liability coverage provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Pay less if you're married - Having a wife or husband can get you a discount on your policy. Marriage means you're more responsible and statistics show being married results in fewer claims.
  • Please use or commuting - Driving more miles in a year the higher your rates will be. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Cars and trucks not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
  • Occupation reflects on rates - Did you know your auto insurance rates can be affected by your occupation? Occupations like judges, business owners and financial analysts tend to have higher average rates due to high stress levels and lots of time spent at work. Conversely, occupations like actors, engineers and performers receive lower rates.
  • Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are collision with another vehicle, vandalism, or theft. Deductibles for physical damage are the amount of money you are required to spend if you file a covered claim. The more you are required to pay out-of-pocket, the less your auto insurance will be.

Is there truth in advertising?

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads make an identical promise about savings after switching to their company. How does each company say the same thing? It's all in the numbers.

All the different companies are able to cherry pick for the driver that earns them a profit. For instance, a preferred risk might be profiled as between 25 and 40, has no driving citations, and has great credit. A propective insured who meets those qualifications is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards will be charged higher prices and ends up with business not being written. The ads state "customers who switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully advertise the savings. That is why drivers should get quotes from several different companies. It's not possible to predict which auto insurance company will fit your personal profile best.

Learn more about Texas auto insurance

Even more information is located at the Texas Department of Insurance website. Texas drivers can read consumer alerts, find out which companies have the most complaints, and get help finding coverage.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this Priddy agent directory.

The best insurance company isn't always the cheapest

When you buy insurance online, make sure you don't skimp on coverage in order to save money. Too many times, someone sacrificed liability coverage limits only to discover later that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Cheaper auto insurance can be sourced on the web and also from your neighborhood Priddy agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

People change insurance companies for a variety of reasons including policy cancellation, lack of trust in their agent, an unsatisfactory settlement offer and even delays in paying claims. Regardless of your reason, finding a new auto insurance company is less work than it seems.