Free Guide to Paying Less for San Juan Auto Insurance Online

Scraping up a payment for overpriced auto insurance can take a big chunk out of your bank account and make it hard to pay other bills. Doing a price comparison is a great way to lower your monthly bill. There are many to buy insurance from, and though it is a good thing to be able to choose, it makes it harder to compare rates.

Finding affordable coverage in San Juan is easy if you know what you're doing. If you have insurance now or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. Texas vehicle owners just need to know the most effective way to compare prices online.

What determines how much you pay?

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to lower auto insurance prices.

Car features impact rates - Purchasing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
Your location is important - Residing in a rural area can save you money when insuring your vehicles. Urban drivers regularly have traffic congestion and much longer commute distances. Fewer people means fewer accidents as well as less vandalism and auto theft.
How many coverages with the same company - Most insurance companies provide better rates to customers who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to comparison shop to make sure you are getting the best deal.
Having a spouse can save you money - Having a wife or husband can actually save you money on auto insurance. Having a significant other is viewed as being more mature than a single person and statistics show married drivers get in fewer accidents.
Don't get talked into coverage you don't need - There are many add-on coverages that can waste your money on your auto insurance policy. Coverages for vanishing deductibles, accident forgiveness and motor club memberships are some examples. They may seem like a good idea initially, but if you don't need them eliminate them to save money.

Compare Auto Insurance Today

Comparing auto insurance rates can be a lot of work if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in San Juan, or you could use the internet to achieve your goal.

Most of the larger companies participate in an industry program that allows shoppers to enter their policy data once, and at least one company provides a quote for coverage. This prevents consumers from doing quotation requests for each company you want a rate for. To submit your quote information now, click here to open in new window.

The single downside to using this type of system is you are unable to specify which providers to get quotes from. If you wish to select specific providers to compare, we have a page of companies who write auto insurance in Texas. Click here for list of insurance companies in Texas.

Whichever method you choose, make sure you use identical coverage limits and deductibles on every quote. If you use different liability limits then you won't be able to make a fair comparison in San Juan.

How much can you save with discounts?

Car insurance companies don't list every discount very clearly, so we researched both well-publicized and also the lesser-known discounts you could be receiving. If you're not getting every credit you deserve, you are paying more than you should be.

Payment Discounts - By paying your policy upfront instead of making monthly payments you can actually save on your bill.
Multiple Policy Discount - If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Paperwork-free - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
Defensive Driver - Completing a course in driver safety could cut 5% off your bill if your company offers it.
Early Signing - Some companies give discounts for switching policies prior to your current policy expiration. This can save 10% or more.
Accident Free - Drivers who don't have accidents pay much less when compared to accident-prone drivers.
Passive Restraints - Cars that have air bags or automatic seat belts may earn rate discounts of more than 20%.
Military Rewards - Being deployed with a military unit could mean lower rates.

Consumers should know that some credits don't apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. Just because you may think you can get free auto insurance, companies don't profit that way.

To choose insurance companies offering auto insurance discounts in Texas, click here.

Save 15 percent in 15 minutes? Is it for real?

Texas consumers can't ignore all the ads for car insurance savings by companies like State Farm, Allstate and GEICO. They all have a common claim that you'll save big if you switch to them.

How does each company make almost identical claims? It's all in the numbers.

All companies have a preferred profile for the type of driver that makes them money. For instance, a driver they prefer could possibly be a mature driver, has no prior claims, and has excellent credit. A driver that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't meet these standards will be quoted higher rates and this can result in the driver buying from a lower-cost company. The ads state "customers who switch" but not "drivers who get quotes" save money. This is how companies can make those claims. This emphasizes why you need to compare as many rates as you can. It is impossible to predict which insurance companies will have the lowest rates.

How much car insurance do I need?

When buying the best auto insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Every situation is different and your policy should reflect that. For example, these questions can help discover if your insurance needs would benefit from professional advice.

Are my tools covered if they get stolen from my vehicle?
What is the difference between comprehensive and collision coverage?
Do I need special endorsements for business use of my vehicle?
Does my personal policy cover me when driving my company car?
Should I have combined single limit or split liability limits?
Does my car insurance cover rental cars?
Am I covered when driving in Canada or Mexico?

If you can't answer these questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

More detailed Texas auto insurance information is located at the Texas Department of Insurance website. Texas consumers can view a list of available companies, view agent and company licensing information, read consumer alerts, and get help finding coverage.

Best coverage at the best price

While you're price shopping online, never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice collision coverage and learned later they didn't purchase enough coverage. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.

Discount auto insurance can be found online and with local San Juan insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not offer online price quotes and these small, regional companies work with independent agents.