Quote Yantis Auto Insurance Prices With These Tips

Finding lower rates for Yantis auto insurance is nearly impossible for consumers not familiar with shopping for insurance online. There are so many companies to choose from that it can quickly become a lot of work to compare prices in Yantis.

It's important to compare prices before your policy renews because insurance rates are constantly changing. Even if you got the lowest price a few years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the only way to reduce your cost while improving coverage.

The purpose of this post is to let you in on the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Texas vehicle owners just need to know the most efficient way to find the lowest price online.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that may reward you with big savings.

Listed below are a partial list of the pieces auto insurance companies consider when setting rates.

Battle of the sexes - The statistics show that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. They both cause accidents in similar numbers, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
High numbers of claims are not good - Car insurance companies in Texas generally give lower rates to people who are claim-free. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is designed for major claims that would cause financial hardship.
Discounts for multiple policies - Most insurance companies will give a discount to customers who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to ensure the best deal. You may still be able to find better rates by buying insurance from more than one company.
Do you need those extra coverages? - There are many extra bells and whistles that you can buy on your auto insurance policy. Coverages for personal injury protection, towing coverage and term life insurance are some examples. They may seem like a good idea when you first buy your policy, but if they're wasting money eliminate them to save money.
Teen drivers pay high rates - Teen drivers in Texas are statistically proven to be more careless in a vehicle so they pay higher auto insurance rates. Mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.
Bump up deductibles to save - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be a windshield shattered by a rock, vandalism, and burglary. The deductibles are how much you are willing to pay if you file a covered claim. The more you are required to pay out-of-pocket, the less your company will charge you for insurance.
Choose a safe vehicle and save - Vehicles with good safety scores get lower rates. These vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
Poor credit can mean higher rates - Credit score is a important factor in your rate calculation. Therefore, if your credit history is lower than you'd like, you could save money insuring your by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit.

How to Compare Yantis Auto Insurance Rates

There are multiple methods you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance companies in Yantis, or you could save time and use online quoting to quickly compare rates.

Most of the larger companies enroll in a system that enables customers to complete one form, and each participating company then gives them pricing based on the submitted data. This prevents consumers from doing quotation requests to each individual auto insurance company. To submit your quote information now, click here to open in new window.

One minor caviat to comparing rates this way is you can't choose which providers to receive prices from. So if you prefer to pick specific insurance companies to compare prices, we have a page of auto insurance companies in Texas. Click here for list of insurance companies in Texas.

Whichever method you choose, ensure you're using identical coverage limits and deductibles on every quote you get. If each company quotes different liability limits it's impossible to determine which rate is truly the best in Yantis.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but you can get discounts that many people don't even know exist. Certain discounts will be applied when you quote, but less common discounts must be manually applied before you get the savings. If you're not getting every credit available, you are paying more than you should be.

Save over 55 - If you're over the age of 55, you may qualify for better auto insurance rates.
Employee of Federal Government - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
Drive Less and Save - Driving fewer miles could be rewarded with a substantially lower rate.
College Student - Youth drivers who are attending college and do not have a car may be able to be covered for less.
Multi-car Discount - Having more than one vehicle with the same company may reduce the rate for each vehicle.
Service Members Pay Less - Being deployed with a military unit could mean lower rates.
Passive Restraint Discount - Factory air bags may earn rate discounts of more than 20%.
Payment Discounts - By paying your policy upfront instead of making monthly payments you may reduce your total bill.

Consumers should know that some credits don't apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies don't profit that way. But all discounts will bring down your premiums.

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

The auto insurance bait and switch

Texas consumers can't ignore all the ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you'll save big if you switch to their company.

How does each company make almost identical claims?

All the different companies can use profiling for the driver that makes them money. For instance, a desirable insured could possibly be between the ages of 30 and 50, is a homeowner, and has a short commute. A driver that hits that "sweet spot" will qualify for the lowest rates and therefore will save when switching.

Drivers who don't measure up to these standards will have to pay a higher premium and this can result in the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everyone that quotes" save that much. That's why companies can make the claims of big savings.

Because of the profiling, you need to get a wide range of price quotes. It is impossible to predict the company that will fit your personal profile best.

Much more information about auto insurance in Texas is located on the Texas Department of Insurance website located here. Texas consumers can learn about insurance regulations, download brochures, and read consumer alerts.

A tidy conclusion

As you shop your coverage around, it's very important that you do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at a price you can afford.

Drivers switch companies for a number of reasons such as denial of a claim, extreme rates for teen drivers, policy cancellation or even delays in responding to claim requests. Regardless of your reason, choosing a new insurance company is easier than you think.

Discount auto insurance can be found online and also from your neighborhood Yantis agents, and you should compare price quotes from both to have the best selection. Some insurance providers may not provide online price quotes and most of the time these small, regional companies sell through independent agents.