6 Discounts Sonora Drivers Forget when Quoting Car Insurance

Are you intimidated by the dozens of car insurance companies in Sonora? Many other drivers are as well. People have so many options that it can turn into a big hassle to find the perfect company for you.

Choosing the best insurance company for you in Sonora is easy if you know what you're doing. If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. But Texas consumers do need to know the way insurance companies determine prices because it can help you find the best coverage.

More discounts equal less premium

Companies don't always publicize every discount very well, so we researched both the well known as well as the least known ways to save on car insurance.

  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Clubs and Organizations - Being a member of a professional or civic organization could trigger savings when shopping for car insurance.
  • Military Discounts - Having a family member in the military can result in better rates.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Save with a New Car - Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.

Consumers should know that most discount credits are not given to all coverage premiums. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies don't profit that way.

compare Sonora car insurance rates

Switch companies and save? Really?

Car insurance providers like State Farm, Allstate and GEICO regularly use ads in print and on television. They all make the same claim that you'll save big if you move your policy. But how can every company claim to save you money?

All the different companies are able to cherry pick for the right customer that earns them a profit. For instance, a driver they prefer might be a mature driver, has no driving citations, and has a high credit rating. Any new insured who matches those parameters gets the lowest rates and therefore will save a lot of money.

Consumers who do not match this ideal profile will be quoted higher rates which leads to the customer not buying. The ads say "customers that switch" not "everyone that quotes" save that kind of money. That's the way companies can state the savings. This emphasizes why drivers should get a wide range of price quotes. It's just too difficult to predict which car insurance company will have the lowest rates.

Learn more about Texas car insurance

More detailed Texas car insurance information is located at the Texas Department of Insurance website. Visitors are able to view a list of available companies, find out which companies have the most complaints, and find out industry alerts.

Also read more on this site for car insurance rates in Texas and this list of insurance agents in Sonora, TX.

Shop smart and save

Insureds who switch companies do it for a number of reasons such as extreme rates for teen drivers, questionable increases in premium, unfair underwriting practices and even policy cancellation. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.

Discount car insurance is possible both online in addition to many Sonora insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

As you restructure your insurance plan, do not skimp on coverage in order to save money. There have been many situations where someone sacrificed collision coverage and learned later that they should have had better coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.