Top Ways to Save on Stamford Auto Insurance

I can't think of anyone who looks forward to paying for auto insurance, especially knowing they are paying too much.

Online insurance companies like State Farm, Allstate, GEICO and Progressive all claim big savings with advertising and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to compare prices occasionally since insurance rates are constantly changing. Even if you think you had the lowest price a few years ago you can probably find a lower rate today. There is a lot of bad advice regarding auto insurance online but I'm going to show you some great ways to find affordable auto insurance.

Stamford auto insurance comparison

Finding Auto Insurance Deals in Stamford, TX

There are several ways of comparing rate quotes from different Stamford insurance companies. The best method to find competitive insurance rates consists of shopping online. This can be done in a couple of different ways.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method eliminates the need for repetitive form entry for each company you want a rate for. A single form will get you price quotes direct from many companies.
  • A less efficient way to get quotes online requires a visit to each company's website to complete their respective quote request forms. For instance, let's assume you want to compare , and . To get each rate you have to go to every website to input your insurance information, and that's why the first method is more popular. To view a list of companies in Stamford, click here.

It doesn't matter which method you choose, just make absolute certain that you use exactly the same coverage limits on every quote you get. If you are comparing differing limits you will not be able to determine which rate is truly the best in Stamford. Just a small difference in coverages can result in a big premium difference. And when quoting auto insurance, remember that comparing a large number of companies will increase your chances of finding better pricing.

Save big with these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically when you quote, but a few must be manually applied prior to getting the savings.

  • College Student - Children who are attending college and don't have a car may qualify for this discount.
  • Theft Prevention Discount - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Drive Less and Save - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Drivers Ed for Students - Have your child complete a driver education course if offered at their school.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Multiple Cars - Insuring all your vehicles on the same auto insurance policy qualifies for this discount.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

To see a list of companies with discount auto insurance rates in Stamford, follow this link.

But I don't know anything about car insurance

When choosing the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Every insured's situation is different and a cookie cutter policy won't apply. These are some specific questions might point out if your situation will benefit from professional help.

  • What are Texas no-fault laws?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • Is my cargo covered for damage or theft?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I wreck a rental car?
  • Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

For more Texas car insurance information

Additional information is located on the website for the Texas Department of Insurance. Click here for link. Texas drivers can read enforcement actions against agents and companies, read consumer alerts, find disaster information, and download brochures.