7 Top Ways to Reduce Car Insurance Costs in Simonton, TX

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us when we tell you you are not the only one feeling buyer's remorse.

Drivers have so many to buy insurance from, and even though it's nice to have a selection, too many choices makes it more difficult to compare rates.

Are you getting all your discounts?

Companies don't list all available discounts very clearly, so we took the time to find both the well known as well as the least known discounts you could be receiving.

  • Memberships - Being a member of a qualifying organization may earn a discount when buying car insurance.
  • Multiple Cars - Buying coverage for all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Pay Now and Pay Less - By paying your policy upfront instead of paying each month you could save up to 5%.
  • No Charge for an Accident - Certain companies will forgive one accident before raising your premiums so long as you haven't had any claims for a particular time prior to the accident.
  • Student in College - Youth drivers who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.
  • Claim Free - Drivers with accident-free driving histories can save substantially when compared with bad drivers.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

To see a list of insurers with discount car insurance rates in Texas, click here.

Compare Quotes for Simonton Car Insurance

Most companies like Allstate, GEICO and Progressive provide price estimates on the web. Getting quotes is quite simple as you just enter the coverages you want as detailed in the form. Once you submit the form, the system will obtain information on your driving record and credit history and generates pricing information based on these and other factors. Quoting online streamlines rate comparisons, but the time it takes to visit different websites and type in the same information is repetitive and time-consuming. But it's very important to have as many quotes as possible if you want to find the best price on car insurance.

The preferred way to lower your rates is to use a quote form to get prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes quoting online much more enjoyable and efficient. Immediately after you send the form, it gets priced with multiple companies and you can pick any one of the price quotes you receive. If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you copy your coverages as close as possible to your current policy. This makes sure you will receive an apples-to-apples comparison based on the exact same insurance coverage.

How can Allstate, GEICO and Progressive save drivers who switch?

Allstate, GEICO and Progressive consistently run ads on television and other media. All the companies have a common claim about savings if you change your coverage to them. How does each company claim to save you money?

All the different companies are able to cherry pick for the type of customer that is profitable for them. For example, a profitable customer might be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards must pay more money and this can result in the customer not buying. The ad wording is "customers that switch" not "everybody who quotes" save that much money. That's the way companies can truthfully advertise the way they do. This illustrates why drivers must compare many company's rates. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Affordable insurance is out there

Cheaper car insurance can be sourced both online as well as from independent agents in Simonton, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies don't offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. In too many instances, someone sacrificed physical damage coverage only to discover later that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Learn more about Texas car insurance

Even more information can be found at the Texas Department of Insurance website. Visitors are able to find out which companies have the most complaints, get help finding coverage, view a list of available companies, and view agent and company licensing information.