6 Discounts Springlake Drivers Forget when Quoting Car Insurance

Searching for the most affordable Springlake car insurance on the internet is rather challenging for consumers not familiar with comparison shopping online. Because there are so many online companies, how can you possibly compare every company to locate the lowest rates?

Save big with these six discounts

Car insurance companies don't always publicize every discount very clearly, so the following is a list of both the well known as well as the least known car insurance savings.

  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Own a Home - Simply owning a home may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Accident Waiver - Certain companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • No Claims - Drivers who don't have accidents pay less when compared to drivers who are more careless.
  • Defensive Driving Course - Taking part in a defensive driving course could cut 5% off your bill if you qualify.
  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, car insurance companies aren't that generous.

compare Springlake car insurance rates

Car insurance ads bend the truth

Car insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all say the same thing about savings if you move your policy. How does each company claim to save you money?

All the different companies have a preferred profile for the right customer that earns them a profit. A good example of a driver they prefer might be between 25 and 40, insures multiple vehicles, and has excellent credit. Any new insured who fits that profile is entitled to the best price and most likely will save when switching.

Potential customers who fall outside these standards will be quoted higher prices which usually ends up with the customer not buying. The ads state "customers that switch" not "people who quote" save that kind of money. This is how companies can truthfully make those claims. This emphasizes why you should get as many comparisons as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

For more Texas car insurance information

Even more information can be read at the Texas Department of Insurance website. Visitors are able to view a list of available companies, get help finding coverage, and file complaints about an insurance agent or broker.

Do the work, save more money

Consumers who switch companies do it for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, delays in paying claims and even delays in responding to claim requests. Whatever your reason, choosing a new insurance company is less work than it seems.

Cheap car insurance is possible both online in addition to many Springlake insurance agents, so you should compare both so you have a total pricing picture. Some companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

While you're price shopping online, never buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced full coverage and found out when filing a claim they didn't purchase enough coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.