How to Know You're Wasting Money for Auto Insurance in Quitaque

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, you're not alone. Numerous battle for your business, so it can be very hard to choose a to find the absolute lowest price

It's important to check auto insurance prices every six months since insurance rates are constantly changing. If you had the lowest rates last year you will most likely find a better rate today. So block out anything you think you know about auto insurance because it's time to teach you the tricks you need to know to save money, get proper coverage and the best rates.

If you are insured now or need a new policy, you can learn to get lower rates while maximizing coverage. Finding affordable coverage in Quitaque is easy if you know what you're doing. Texas vehicle owners just need to know the most effective way to compare rates online.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but there are discounts available to help offset the cost. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit. If they aren't giving you every credit possible, you are throwing money away.

  • Auto/Life Discount - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Clubs and Organizations - Affiliation with certain professional organizations could trigger savings on auto insurance.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with select insurance companies.
  • New Vehicle Savings - Adding a new car to your policy is cheaper since new cars are generally safer.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Military Rewards - Having a family member in the military can result in better rates.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.

Consumers should know that many deductions do not apply to all coverage premiums. 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 don't profit that way. But all discounts will cut the amount you have to pay.

Texas auto insurance quotes

Save $429 a year? Really?

Texas drivers get pounded daily by advertisements that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to make the same claim that you'll save big if you move to them.

How do they all say the same thing? It's all in the numbers.

All companies are able to cherry pick for the type of driver that earns them a profit. For example, a desirable insured might be profiled as a mature driver, has no driving citations, and has great credit. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will have to pay higher prices which leads to business not being written. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. That's the way companies can advertise the savings.

Because of the profiling, you should get a wide range of price quotes. It's not possible to predict which auto insurance company will give you the biggest savings.

Learn more about Texas auto insurance

Much more information about auto insurance in Texas can be found on the website for the Texas Department of Insurance found here. Texas drivers can file complaints about an insurance agent or broker, find out which companies have the most complaints, view a list of available companies, and download brochures.

And the best car insurance company is...

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at the best price.

Discount auto insurance is possible on the web and with local Quitaque insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.