Woodway Car Insurance For Less Than You're Paying Now

If price shopping car insurance online is new to you, it's easy to be confused by the hoards of car insurance companies competing for business in Woodway.

Don't pay full price with these discounts

Companies offering auto insurance don't list every discount very well, so we researched both the well known and the harder-to-find discounts you could be receiving.

Service Members Pay Less - Being deployed with a military unit could be rewarded with lower premiums.
Theft Prevention Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Multiple Cars - Having all your vehicles on the same car insurance policy qualifies for this discount.
Anti-lock Brakes - Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
Distant Student - Youth drivers who are attending college and don't have a car may be able to be covered for less.
Life Insurance Discount - Companies who offer life insurance give a break if you buy life insurance.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, car insurance companies aren't that generous.

To see a list of insurance companies with discount car insurance rates in Texas, click here.

Finding Car Insurance Deals in Woodway, TX

There are multiple methods to shop for car insurance, but one way is easier and takes less work. You can waste a lot of time discussing policy coverages with insurance agencies in Woodway, or you can stay home and use the internet to get the quickest rates.

Many insurance companies belong to an insurance system that enables customers to enter their coverage request one time, and each company provides a quote for coverage. This prevents consumers from doing quotation requests to each individual car insurance company.

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

The single downside to comparing rates this way is you are unable to specify which carriers to get quotes from. If you would rather choose from a list of companies to compare rates, we put together a list of the cheapest car insurance companies in Texas. Click here to view list.

However you get your quotes, make absolute certain that you use apples-to-apples quote information on every quote you get. If you use mixed coverages it will be very difficult to determine which rate is truly the best in Woodway. Slightly different coverages may result in a large different in cost. And when quoting car insurance, remember that getting more free quotes provides better odds of finding a better price.

You have some control over your rates

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

Shown below are a partial list of the pieces car insurance companies consider when setting prices.

Special features that cut premiums - Owning a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
How many coverages with the same company - Some insurance companies provide better rates to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to compare rates to ensure the best deal.
Lower deductibles cost more - The deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply would be running into the backend of another car, damage from fire, or theft. The more you are required to pay out-of-pocket, the lower your rates will be.
Mature drivers pay less - Youthful drivers in Texas have a tendency to be careless and easily distracted behind the wheel so car insurance rates are higher. If you've ever had to add a teen driver to your car insurance policy can be very expensive. Older drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel.

Your personal situation dictates your coverage

When choosing the best car insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone's situation is unique.

Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

Am I covered when pulling a rental trailer?
Do I need special endorsements for business use of my vehicle?
Am I covered when driving on a suspended license?
Do I need PIP (personal injury protection) coverage in Texas?
Do I pay less if my vehicle is kept in my garage?
What are the financial responsibility laws in Texas?
I have good health insurance, so how much medical payments coverage do I need?

If you can't answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

The car insurance bait and switch

Car insurance providers like State Farm, Allstate and GEICO consistently run ads in print and on television. They all have a common claim about savings if you change to their company. But how can every company claim to save you money? This is how they do it.

Insurance companies have a certain "appetite" for the driver that is profitable for them. For instance, a driver they prefer might be a mature driver, owns a home, and has excellent credit. Any driver that hits that "sweet spot" is entitled to the best price and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile will be quoted a higher premium and this can result in the customer not buying. The ads state "drivers who switch" not "everyone that quotes" save that much. That is how companies can truthfully make those claims. This emphasizes why drivers must get a wide range of price quotes. You cannot predict which company will have the lowest rates.

Final considerations

Drivers leave their current company for any number of reasons including unfair underwriting practices, policy cancellation, lack of trust in their agent or not issuing a premium refund. Regardless of your reason, switching car insurance companies is actually quite simple.

While you're price shopping online, do not reduce coverage to reduce premium. There have been many situations where an insured cut collision coverage and learned later they didn't purchase enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Cheap car insurance can be sourced both online and also from your neighborhood Woodway agents, and you need to price shop both to have the best rate selection. Some companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

For more Texas car insurance information

Even more information is located at the Texas Department of Insurance website. Visitors are able to view a list of available companies, read consumer alerts, and report car insurance fraud.

Additional helpful sites include this page for car insurance prices in Texas and this page of Woodway insurance agents.