Tightwads Guide for Saving on Sachse Auto Insurance

No one looks forward to paying for auto insurance, particularly when their premiums are too high.

Big companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with fancy advertisements and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates periodically because prices are constantly changing. Even if you got the lowest price last year the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because you're about to find out the tricks you need to know to get good coverage at a lower rate.

If you have car insurance now, you will most likely be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Sachse is quite easy. Nevertheless, Texas consumers do need to know the way insurance companies price insurance differently because it can help you find the best coverage.

Don't pay full price with these discounts

Companies that sell car insurance don't always advertise all their discounts in a way that's easy to find, so we researched both the well known as well as the least known savings tricks you should be using.

Accident Forgiveness - A handful of insurance companies will forgive one accident before raising your premiums as long as you don't have any claims prior to the accident.
Good Student - A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
Save with a New Car - Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
Payment Method - If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
Sign Online - Certain companies may give you up to $50 simply for signing digitally online.
Senior Citizens - Mature drivers may be able to get better auto insurance rates.
Drivers Ed for Students - Have your child complete a driver education course if it's offered in school.

It's important to understand that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, it doesn't quite work that way.

To see a list of companies who offer auto insurance discounts in Sachse, click here to view.

Sachse Auto Insurance Comparisons

Effectively comparing auto insurance prices can take time and effort if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in Sachse, or you could save time and use the web to get rates in a matter of minutes.

Many insurance companies enroll in a system that enables customers to submit their information once, and each participating company then gives them pricing based on the submitted data. This saves time by eliminating quotation requests to each individual auto insurance company.

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

One minor caviat to doing it this way is you are unable to specify which carriers you want pricing from. So if you prefer to choose specific providers to compare, we have a listing of auto insurance companies in Texas. Click to view list.

It's up to you which method you use, but be sure to compare exactly the same information for each price quote. If each company quotes higher or lower deductibles it will be impossible to truly determine the lowest rate in Sachse. Quoting even small variations in coverage limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes will increase your chances of finding the best price.

Sachse Rates are Influenced by These Factors

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that may reward you with lower auto insurance prices.

Do men or women drive better? - Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men cause accidents in similar numbers, but the males have costlier accidents. They also receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive auto insurance rates.
Cautious drivers pay less - Careful drivers have lower premiums compared to drivers with tickets. Even one citation can boost insurance rates twenty percent or more. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
Pleasure use saves money - Driving more miles each year the more you will pay for auto insurance. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
Theft deterrents lower rates - Owning a car with an alarm system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.

Your personal situation dictates your coverage

When choosing the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone's needs are different so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Should I buy only the required Texas minimum liability coverage?
Who is covered when they drive my vehicle?
What can I do if my company won't pay a claim?
Does medical payments coverage apply to all occupants?
Should I buy additional glass protection?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

The auto insurance bait and switch

Auto insurance companies such as State Farm, GEICO and Progressive continually stream ads in print and on television. They all seem to make an identical promise of big savings after switching to their company. How can each company claim to save you money?

All companies have a certain "appetite" for the driver that is profitable for them. For instance, a desirable insured might be a mature driver, a clean driving record, and has great credit. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and therefore will save when they switch companies.

Drivers who don't measure up to the requirements will have to pay higher premiums and ends up with the customer not buying. The ad wording is "customers that switch" not "everyone that quotes" save that much. That is how insurance companies can confidently advertise the savings. Because of the profiling, drivers must get quotes from several different companies. It's impossible to know which company will give you the biggest savings.

Affordable insurance is out there

Low-cost auto insurance can be purchased both online and also from your neighborhood Sachse agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

We covered some good ideas how you can compare auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the best price on auto insurance is with a small local company. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as .

As you prepare to switch companies, it's not a good idea to reduce coverage to reduce premium. In many cases, someone dropped liability coverage limits only to discover later that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at a price you can afford.

More tips and info about auto insurance is located at the Texas Department of Insurance website. Visitors are able to learn about insurance regulations, file complaints about a company, file complaints about an insurance agent or broker, and view a list of available companies.