Lower Online Lewisville Car Insurance Prices With These Tips

If price shopping car insurance online is new to you, you may be overwhelmed because of the huge number of car insurance companies competing for business in Lewisville.

It's important to compare prices periodically due to the fact that insurance rates are constantly changing. Just because you found the lowest price last year the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding car insurance on the internet, so we're going to give you some great ways to save money.

How much can you save with discounts?

Companies don't list every available discount very well, so we researched both the well known and also the lesser-known ways to save on car insurance. If you don't get every credit you qualify for, you're paying more than you need to.

Early Switch Discount - Some companies give discounts for buying a policy before your current expiration date. It's a savings of about 10%.
Good Student - A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Resident Student - Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.

It's important to note that many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. So when the math indicates all those discounts means the company will pay you, you're out of luck.

To see a list of providers who offer car insurance discounts in Texas, click this link.

How to Get Lewisville Car Insurance Comparison Quotes

Effectively comparing car insurance prices can be challenging if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in Lewisville, or you could use the web to get the quickest rates.

Many insurance companies enroll in a system that allows shoppers to submit their information once, and each company can provide price quotes determined by their information. This system prevents you from having to do quotation requests for each company you want a rate for.

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

The single downside to getting quotes like this is buyers cannot specifically choose which carriers you will receive quotes from. So if you prefer to choose specific insurance companies to request quotes from, we have assembled a list of companies who write car insurance in Texas. Click to view list.

It doesn't matter which method you choose, just be sure to compare apples-to-apples quote information for every quote you compare. If your comparisons have mixed coverages then you won't be able to determine the best price in Lewisville.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for car insurance. When you know what positively or negatively influences your rates enables informed choices that can help you get big savings.

The type of vehicle makes a difference - The type of vehicle you drive makes a huge difference in determining your rates. The lowest base rates are usually for economy passenger models, but the cost you end up paying is determined by many additional factors.
Bad driving skills means higher rates - Careful drivers get better rates compared to drivers with tickets. Only having one speeding ticket can boost insurance rates twenty percent or more. Drivers who get flagrant violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Women pay lower rates - Statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both have accidents in similar numbers, but men have costlier accidents. Men also have more aggressive citations like DUI and reckless driving. Young males are the most expensive to insure and therefore have the most expensive car insurance rates.
Multiple policies with one company can save - Many car insurance companies give discounts to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it's still a good idea to compare rates to ensure the best deal.

How much car insurance do I need?

When choosing the best car insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different.

For example, these questions may help highlight if your insurance needs will benefit from professional help.

Does my car insurance cover rental cars?
Do I need to file an SR-22 for a DUI in Texas?
Does my policy cover me when driving someone else's vehicle?
Do I need PIP (personal injury protection) coverage in Texas?
Why does it cost so much to insure a teen driver in Lewisville?
Do I need special endorsements for business use of my vehicle?

If it's difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Texas can't get away from ads for cheaper car insurance by State Farm and Allstate. All the ads make the same claim that you can save after switching to their company.

But how can every company claim to save you money? It's all in the numbers.

All the different companies have a certain "appetite" for the driver that is profitable for them. For instance, a preferred risk might be between the ages of 40 and 55, a clean driving record, and drives newer vehicles. Any driver who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile will be charged higher prices which leads to the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That is how insurance companies can claim big savings. That is why drivers must get a wide range of price quotes. You cannot predict which company will give you the biggest savings.

Best coverage at the best price

We just presented many ideas to compare car insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from some of the smallest insurance companies.

Lower-priced car insurance can be sourced both online and also from your neighborhood Lewisville agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

When trying to cut insurance costs, do not reduce coverage to reduce premium. There have been many cases where someone dropped collision coverage and learned later that it was a big mistake. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

Additional Texas consumer information

Additional detailed information is located at the Texas Department of Insurance website. Visitors are able to learn about specific coverages, file complaints about a company, and learn about insurance regulations.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in Lewisville Texas.