Tightwads Tips for Saving on Quitman Car Insurance

Having to pay for overpriced car insurance can dwindle your personal savings, especially in this economy. Comparing price quotes is free and is an excellent way to help make ends meet.

Drivers have multiple to buy insurance from, and although it's a good thing to have a selection, it can be more challenging to compare rates.

Buying car insurance in Quitman is quite easy. If you have car insurance now, you should be able to reduce your rates substantially using these methods. Nevertheless, Texas consumers do need to know how companies sell insurance online.

Take advantage of discounts

Companies don't list every discount very clearly, so the following is a list of both the well known as well as the least known ways to save on car insurance.

Government Employees - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
Multiple Policy Discount - When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
Good Student Discount - A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
Distant Student - Any of your kids living away from home attending college and do not have a car may qualify for this discount.
Auto/Life Discount - Larger companies have a discount if you purchase a life insurance policy as well.
Paperwork-free - Certain companies may give you up to $50 simply for signing over the internet.
Low Mileage Discounts - Driving fewer miles could qualify for better rates on cars that stay parked.

It's important to understand that most discount credits are not given to your bottom line cost. Most only cut individual premiums such as comp or med pay. So when the math indicates it's possible to get free car insurance, it doesn't quite work that way.

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

How to Get Cheap Car Insurance in Quitman, TX

There are several ways to get quotes from local Quitman car insurance companies. The best method to find the cheapest insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This form saves time by eliminating a different quote for every car insurance company. A single, simple form will return quotes .
A more time consuming way to compare rate quotes is to take the time to go to the website of each company to complete a price quote. For sake of this example, we'll assume you want comparison quotes from , and . To get rate quotes you would need to spend time on each company's site and enter your information, which is why the first method is more popular.

To view a list of companies in Quitman, click here.

It's up to you how you get prices quotes, just make sure you use identical coverages and limits for every company. If you enter different deductibles it will be impossible to decipher which rate is best in Quitman. Having just a slight variation in coverage limits may cause a big price difference. And when comparing car insurance rates, know that obtaining a wide range of quotes helps locate a lower rate.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for car insurance. Knowing what determines base rates enables informed choices that will entitle you to lower car insurance prices.

Listed below are some of the items car insurance companies consider when setting prices.

An active claims history can cost you - If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Companies in Texas give lower rates to policyholders who are claim-free. Auto insurance is intended for the bigger claims that can't be paid out-of-pocket.
More people means more accidents - Residing in a rural area can save you money when talking about car insurance. Drivers in populated areas have traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents and a lower car theft rate.
Poor driving leads to higher costs - Careful drivers have lower premiums than bad drivers. Only having one citation can boost insurance rates by as much as thirty percent. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 to the state department of motor vehicles in order to continue driving.
Mature drivers pay less - Youthful drivers in Texas are statistically proven to be careless and easily distracted when driving so they pay higher car insurance rates. Parents adding a teenage driver to your car insurance policy can break the bank. More mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.
Pleasure use saves money - The more miles you rack up on your car in a year's time the higher your rate. Most insurance companies charge to insure your cars determined by how the vehicle is used. Autos left parked in the garage get more affordable rates than those used for commuting. Make sure your car insurance policy shows how each vehicle is driven.

How to know if you need help

When choosing coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different so this has to be addressed. These are some specific questions can help discover whether your personal situation would benefit from an agent's advice.

Do I have coverage for damage caused while driving under the influence?
What are the best liability limits?
Do I need to file an SR-22 for a DUI in Texas?
Do I pay less if my vehicle is kept in my garage?
What are the financial responsibility laws in Texas?
Does my liability insurance cover pulling a trailer or camper?
Does my personal policy cover me when driving my company car?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Are car insurance companies telling the truth?

Car insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. They all make the same claim of big savings if you switch to their company. How does each company claim to save you money?

All companies have a preferred profile for the driver that is profitable for them. A good example of a driver they prefer might be between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and most likely will save when switching.

Potential insureds who don't qualify for these standards will be quoted more money which leads to the customer not buying. The ad wording is "customers that switch" not "people who quote" save that much. This is how insurance companies can confidently advertise the way they do. This emphasizes why drivers must compare many company's rates. 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. There are too many instances where consumers will sacrifice collision coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

We just covered some good ideas how to compare car insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a small local company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like .

More tips and info about car insurance can be read at the Texas Department of Insurance website. Visitors are able to download brochures, view agent and company licensing information, file complaints about a company, and read enforcement actions against agents and companies.