Car Insurance in S Padre Island - 7 Discounts to Save Money

Nobody I know likes paying for car insurance, especially when they are paying too much.

Multiple compete for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

It's important to take a look at other company's rates occasionally since rates are constantly changing. Even if you got the lowest price a couple years back you will most likely find a better rate today. You can find a lot of wrong information about car insurance on the web, but I'm going to show you some great ways to put money back in your pocket.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but a few must be asked about before you will receive the discount.

  • College Student - Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Life Insurance Discount - Some companies give lower rates if you buy a life insurance policy as well.
  • Driver Safety - Completing a driver safety course can save you 5% or more if you qualify.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.
  • Homeowners Savings - Owning a house in S Padre Island can save you money due to the fact that maintaining a home shows financial diligence.
  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.

Keep in mind that some credits don't apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, it just doesn't work that way. But any discount will cut the amount you have to pay.

S Padre Island car insurance comparison

Insurance agents can help

When it comes to buying the best car insurance coverage for your vehicles, there is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might point out whether your personal situation might need professional guidance.

  • What are Texas no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Do I really need UM/UIM coverage?
  • Do I need PIP (personal injury protection) coverage in Texas?
  • Should I buy additional glass protection?
  • What can I do if my company won't pay a claim?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Save $429 a year? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to have a common claim that you can save after switching to their company. How do they all make the same claim?

All companies have a certain "appetite" for the driver that earns them a profit. For instance, a desirable insured could be between 30 and 50, owns a home, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will have to pay more money and this can result in business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That is how insurance companies can advertise the way they do.

Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which company will provide you with the cheapest rates.

More information is located on the website for the Texas Department of Insurance located here. Consumers can read enforcement actions against agents and companies, find out industry alerts, file complaints about an insurance agent or broker, and discover disciplinary actions.

S Padre Island car insurance quote

Affordable insurance is out there

As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut collision coverage and learned later that the savings was not a smart move. Your aim should be to buy enough coverage at a price you can afford.

Affordable car insurance can be purchased from both online companies and also from your neighborhood S Padre Island agents, so compare prices from both to have the best chance of lowering rates. Some car insurance companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.