Top Ways to Save on Tina Car Insurance

Nobody I know looks forward to paying for car insurance, especially when the price is too high.

Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with catchy ads and consumers find it hard to sift through the bull and do the work needed to find the best deal.

It's important to do rate comparisons periodically because rates are constantly changing. Despite the fact that you may have had the best deal last year there may be better deals available now. Starting now, forget anything you know (or think you know) about car insurance because you're going to learn the proper way to remove unneeded coverages and save money.

These discounts can lower your rates

Companies do not advertise all their discounts in a way that's easy to find, so here is a list some of the more common as well as the least known car insurance savings.

Accident Forgiveness - A handful of insurance companies will forgive one accident without raising rates as long as you don't have any claims for a set time period.
Good Student - Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
55 and Retired - Older drivers may be able to get reduced rates.
Military Rewards - Having a deployed family member may qualify for rate reductions.
Early Switch Discount - Some insurance companies reward drivers for switching to them before your current policy expires. It's a savings of about 10%.
Theft Prevention Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you won't be that lucky.

For a list of companies who offer car insurance discounts in Tina, follow this link.

Tina Car Insurance Comparisons

Most major insurance companies provide pricing on their websites. The process is pretty easy as you just type in your personal and coverage information as detailed in the form. Once entered, their rating system will obtain information on your driving record and credit history and gives you a price quote based on these and other factors. Online quotes makes comparing rates easy, but the process of having to visit a lot of sites and complete many quote forms can be a bit repetitive. But it's very important to have as many quotes as possible if you want to find better car insurance pricing.

Quote rates the easy way

A more efficient way to compare rates utilizes a single form that gets price quotes from several companies at one time. The form is fast, requires much less work on your part, and makes online quotes much easier to do. After sending your information, it gets priced and you can select your choice of the quotes that you receive. If a lower price is quoted, you can click and sign and purchase coverage. The whole process only takes a few minutes and you will find out if you're overpaying now.

If you want to find out what other companies charge, click here to open in new window and submit your coverage information. If you have a policy now, it's recommended you type in the limits and deductibles as close as possible to your current policy. This helps ensure you will have a fair comparison based on identical coverages.

Different people need different coverages

When it comes to choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For instance, these questions may help highlight whether you would benefit from professional advice.

Does my policy cover me when driving someone else's vehicle?
Do I need to file an SR-22 for a DUI in Missouri?
Should I buy additional glass protection?
Do I have coverage when using my vehicle for my home business?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?

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

The best insurance company isn't always the cheapest

Cheaper car insurance can be bought from both online companies and with local Tina insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and most of the time these smaller companies sell through independent agents.

We just showed you a lot of tips how to get a better price on car insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with the least-expected company. These companies may cover specific market segments cheaper than the large multi-state companies such as .

As you prepare to switch companies, it's not a good idea to sacrifice coverage to reduce premiums. In many cases, someone dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at a price you can afford.