How to Know You're Paying Too Much for Car Insurance in Seguin

Nobody I know likes having to buy car insurance, particularly when the price is too high. Having so many choices of insurance companies, it can be impossible to locate the cheapest provider.

It's important to shop coverage around occasionally due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best deal a year ago you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about car insurance because I'm going to teach you the proper way to find better rates and still maintain coverage.

Buying affordable protection in Seguin is simple if you know the tricks. If you have a current car insurance policy or need a new policy, you can learn to find the best rates while maintaining coverages. Texas drivers only need an understanding of the tricks to shop for car insurance over the internet.

These discounts can lower your rates

The cost of insuring your cars can be expensive, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically at the time of purchase, but some must be specifically requested prior to receiving the credit. If you don't get every credit you qualify for, you are throwing money away.

  • College Student - Children who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Early Switch Discount - Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It's a savings of about 10%.

It's important to understand that most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will help reduce the cost of coverage.

Seguin car insurance comparison

Different people need different coverages

When it comes to buying proper insurance coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might point out whether you may require specific advice.

  • What are Texas no-fault laws?
  • Do I need PIP (personal injury protection) coverage in Texas?
  • Should I buy additional glass protection?
  • Is my cargo covered for damage or theft?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • What is the difference between comprehensive and collision coverage?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can help protect your family.

Are you falling for claims of savings?

Consumers in Texas get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing of big savings after switching your coverage to them.

But how can every company claim to save you money?

Different companies have a certain "appetite" for the type of customer that earns them a profit. An example of a desirable insured might be over the age of 50, owns a home, and has excellent credit. Any driver who fits that profile is entitled to the best price and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will have to pay higher prices which usually ends up with the customer not buying. The ads state "customers that switch" not "everybody who quotes" save that much money. That is how insurance companies can confidently make those claims.

Because of the profiling, you should get a wide range of price quotes. You cannot predict which company will have the lowest rates.

Additional car insurance information is available on the website for the Texas Department of Insurance located here. Visitors are able to read enforcement actions against agents and companies, read consumer alerts, learn about insurance regulations, and download brochures.

Also read more on Auto Insurance 101 and this page of insurance agents in Seguin.

Seguin car insurance quote

A tidy conclusion

While you're price shopping online, do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability limits or collision coverage only to find out they didn't purchase enough coverage. Your aim should be to buy a smart amount of coverage at a price you can afford.

Low-cost car insurance can be bought both online as well as from independent agents in Seguin, and you should be comparing both so you have a total pricing picture. Some companies don't offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.