6 Discounts Tyler Drivers Forget when Quoting Car Insurance

Finding lower rates for Tyler car insurance is difficult for consumers not familiar with buying insurance online. There are so many options available that it can easily become a lot of work to locate the lowest price in Tyler.

It's important to get comparison quotes before your policy renews since rates are constantly changing. If you had the best rates a few years ago there is a good chance you can find better rates now. Don't believe everything you read about car insurance on the web, but I'm going to show you some great ways to reduce your car insurance bill.

Texas car insurance quotes

How to Compare Tyler Car Insurance Rates

There are multiple methods you can shop for car insurance and some are less time-consuming than others. You can spend your afternoon talking about coverages with insurance companies in Tyler, or you could save time and use online quoting to get prices fast.

Most of the larger companies participate in a marketplace that enables customers to complete one form, and every company then returns a price quote. This eliminates the need for quote requests to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The one disadvantage to using this type of form is you can't choose which providers you want to price. So if you prefer to pick individual companies to compare prices, we put together a list of car insurance companies in Texas. View list of Texas insurance companies.

It doesn't matter which method you choose, just ensure you're using identical deductibles and coverage limits for every company. If you compare different values for each quote it's not possible to decipher which rate is best in Tyler. Just a small difference in coverages could mean much higher rates. And when price shopping your coverage, having more price comparisons helps you find better pricing.

Don't pay full price with these six discounts

Auto insurance companies don't always list all their discounts very clearly, so the following is a list of both the well known as well as the least known car insurance savings.

  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • No Claims - Claim-free drivers pay less as compared to accident-prone drivers.
  • Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • More Vehicles More Savings - Having multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • One Accident Forgiven - Certain companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims for a certain period of time.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most cut individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren't that generous.

To choose companies with the best car insurance discounts in Texas, follow this link.

The car insurance bait and switch

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads in print and on television. They all seem to say the same thing about savings if you move your policy. How does each company claim to save you money?

Different companies can use profiling for the right customer that makes them money. A good example of a desirable insured might be between the ages of 30 and 50, is a homeowner, and has a short commute. Any new insured who fits that profile gets the lowest rates and therefore will save when switching.

Potential insureds who don't measure up to these standards will have to pay more money which usually ends up with the customer not buying. The ads say "customers that switch" not "everyone that quotes" save that kind of money. That's why companies can truthfully make the claims of big savings. Because of the profiling, you need to quote coverage with many companies. It's just too difficult to predict the company that will fit your personal profile best.

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

Other informative sites include Auto Insurance 101 and this page where you can research Tyler insurance agents.

Affordable insurance is out there

As you shop your coverage around, make sure you don't reduce coverage to reduce premium. In many instances, an accident victim reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage at a price you can afford.

Consumers who switch companies do it for a number of reasons such as delays in paying claims, high rates after DUI convictions, unfair underwriting practices or even lack of trust in their agent. Regardless of your reason, choosing a new insurance company is easier than you think.

Cheap car insurance is possible both online in addition to many Tyler insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide online price quotes and most of the time these small insurance companies sell through independent agents.