6 Ways You Can Buy Car Insurance for Less in Southlake

Purchasing affordable Southlake car insurance on the internet can seem to be rather challenging for beginners to buying insurance on the web. Because there are so many choices, how can you possibly compare every one to find the lowest price?

It's important to compare prices yearly since rates are constantly changing. Just because you found the best price last year you will most likely find a better rate today. Ignore everything you know about car insurance because you're about to find out how to use online quotes to buy cheaper car insurance.

If you have a current car insurance policy or need new coverage, you can learn to find better prices and still get good coverage. This article will teach you how to effectively get price quotes and some tips to save money. Texas drivers only need an understanding of the proper way to get comparison rates over the internet.

Save big with these six discounts

Companies that sell car insurance do not advertise every available discount in a way that's easy to find, so we took the time to find some of the more common and the harder-to-find car insurance savings. If you aren't receiving every discount you deserve, you are throwing money away.

  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Discount for Life Insurance - Larger companies have better rates if you take out a life insurance policy as well.
  • Own a Home - Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Government Employees - Active or retired federal employment can save as much as 8% with certain companies.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • E-sign - Certain companies will give a small break simply for signing digitally online.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like all the discounts add up to a free policy, companies don't profit that way.

Southlake car insurance quote

But I don't know anything about car insurance

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Every insured's situation is different.

These are some specific questions can help discover if your situation would benefit from an agent's advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the financial responsibility laws in Texas?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Does medical payments coverage apply to all occupants?
  • Why does it cost so much to insure a teen driver in Southlake?

If you don't know the answers to these questions but a few of them apply, 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. It's fast, doesn't cost anything and may give you better protection.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements for car insurance savings by Allstate and Progressive. All the ads say the same thing of big savings after switching to their company.

How can each company make the same claim? This is how they do it.

All companies have a preferred profile for the driver that earns them a profit. For example, a preferred risk could be between 25 and 40, has no prior claims, and has great credit. Any new insured who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will be charged more money which usually ends up with business going elsewhere. The ad wording is "drivers who switch" not "people who quote" save that much. This is how insurance companies can confidently advertise the savings. That is why you should get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

Learn more about car insurance in Texas

More tips and info about car insurance can be found at the Texas Department of Insurance website. Consumers can find out industry alerts, file complaints about an insurance agent or broker, and report car insurance fraud.

Texas car insurance quotes

A tidy conclusion

As you prepare to switch companies, it's a bad idea to buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Cost effective car insurance can be sourced from both online companies and also from your neighborhood Southlake agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Consumers change insurance companies for any number of reasons including policy cancellation, delays in paying claims, an unsatisfactory settlement offer and even extreme rates for teen drivers. Whatever your reason, switching car insurance companies is less work than it seems.