Proven Techniques to Save on Spur Auto Insurance

I can't think of anyone who likes having to buy auto insurance, in particular when the cost is way too high.

Having so many auto insurance companies to choose from, it can be hard to find the right car insurance company.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the rating factors that go into determining the price you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that will entitle you to big savings.

Car features impact rates - Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
Poor credit can mean higher rates - Having a bad credit score is a huge factor in determining your rates. If your credit history is lower than you'd like, you could save money insuring your by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with poor credit.
Careful drivers pay lower rates - Even one moving violation can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than bad drivers. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
More than one policy can earn a discount - Most auto insurance companies provide better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to comparison shop to ensure the best deal.

Be sure to get all your discounts

Companies offering auto insurance do not list every discount very well, so we took the time to find both well-publicized and the harder-to-find ways to save on auto insurance.

Service Members Pay Less - Having a family member in the military could mean lower rates.
Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Early Signing - Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Multi-car Discount - Buying insurance for more than one vehicle with the same company qualifies for this discount.

It's important to note that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like all those discounts means the company will pay you, you're out of luck.

To choose insurance companies offering auto insurance discounts in Texas, click this link.

Is there truth in advertising?

Auto insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make the same claim that you can save if you switch to their company. But how can every company make almost identical claims? This is how they do it.

All the different companies have a certain "appetite" for the driver that makes them money. For example, a driver they prefer could possibly be a mature driver, owns a home, and has great credit. A customer getting a price quote who matches those parameters will get very good rates and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will be quoted higher rates which leads to the driver buying from a lower-cost company. The ads say "drivers who switch" but not "drivers who get quotes" save that much. That is how insurance companies can advertise the savings. This emphasizes why you should get as many quotes as possible. It's impossible to know which company will fit your personal profile best.

How do I know if I need professional advice?

When buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone's situation is unique so this has to be addressed. For example, these questions might point out whether or not you would benefit from professional advice.

Am I covered when pulling a rental trailer?
Does my insurance cover a custom paint job?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
Am I covered if I wreck a rental car?
Does my personal policy cover me when driving my company car?
Is my vehicle covered for flood damage?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier

For more Texas car insurance information

Additional detailed information can be found at the Texas Department of Insurance website. Texas consumers can view a list of available companies, find out industry alerts, file complaints about a company, and read consumer alerts.

Other informative sites include this page for auto insurance prices in Texas and this page of Spur insurance agents.

Do the work, save more money

When you buy insurance online, do not buy poor coverage just to save money. There have been many situations where an insured cut physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage for the lowest price while still protecting your assets.

You just read many ideas to save on auto insurance. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. You may be surprised to find that the best price on auto insurance is with a smaller regional carrier. Some small companies often have lower prices on specific markets compared to the large companies like .