Best Auto Insurance Exclusively for Laredo Texas Residents

Scraping up a payment for overpriced auto insurance can drain your checking account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to tighten up your finances.

Multiple car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company to find the absolute best rates possible.

If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Finding affordable coverage in Laredo is easy if you know what you’re doing. Nevertheless, Texas vehicle owners can benefit from knowing how companies price insurance differently and apply this information to your search.

How to Get Auto Insurance in Laredo, Texas

Performing a rate comparison can be challenging if you don’t understand the best way to get rate quotes. You can spend your afternoon discussing policy coverages with insurance companies in Laredo, or you can stay home and use the web to quickly compare rates.

Many companies enroll in a system where prospective buyers enter their policy data once, and each company then returns a price quote determined by their information. This system prevents you from having to do quote requests for each company you want a rate for. To enter your information into the quoting system, click here (opens in new window).

One minor caviat to using this type of form is buyers cannot specifically choose the companies to receive prices from. So if you want to choose individual companies to compare, we have assembled a list of the cheapest auto insurance companies in Texas. Click to view list.

Which method you use is up to you, but compare the exact same coverages and limits with every price quote. If you compare different deductibles you will not be able to determine which rate is truly the best in Laredo. Slightly different coverage limits can make a big difference in price. And when comparison shopping, obtaining a wide range of quotes helps you find better pricing.

Don’t listen to company ads

Companies like GEICO, State Farm and Progressive constantly bombard you with ads in print and on television. All the ads make the same claim that you can save if you switch your policy. How does each company make almost identical claims?

All the different companies have a certain “appetite” for the driver that earns them a profit. For instance, a preferred risk might be profiled as over the age of 40, owns a home, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who do not match the “perfect” profile will have to pay a higher premium and this can result in business not being written. The ads state “drivers who switch” not “everybody who quotes” save that much money. That’s the way companies can claim big savings. Because of the profiling, you absolutely need to quote coverage with many companies. It’s impossible to know which auto insurance company will provide you with the cheapest rates.

How much can you save with discounts?

Companies don’t always publicize every discount very clearly, so here is a list some of the more common and the harder-to-find auto insurance savings.

• Clubs and Organizations – Participating in certain professional organizations may earn a discount on auto insurance.
• Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
• One Accident Forgiven – Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
• Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
• Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It can save you around 10%.
• Homeowners Savings – Simply owning a home can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
• Safe Driver Discount – Drivers who avoid accidents may save up to 50% more than their less cautious counterparts.
• Multiple Policy Discount – When you have multiple policies with the same company you may save 10% to 20% off each policy.

It’s important to understand that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky.

For a list of companies offering auto insurance discounts in Laredo, follow this link.

How much car insurance do I need?

When buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.

• Am I covered when driving on a suspended license?
• Is pleasure use cheaper than using my vehicle to commute?
• How do I file an SR-22 for a DUI in Texas?
• Should I file a claim if it’s only slightly more than my deductible?
• What companies insure drivers after a DUI or DWI?
• Is business equipment covered while in my vehicle?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Additional detailed information is available at the Texas Department of Insurance website. Texas consumers can learn about insurance regulations, view a list of available companies, and discover disciplinary actions.

Smart consumers save more

Low-cost auto insurance can be bought online and also from your neighborhood Laredo agents, so compare prices from both to get a complete price analysis. There are still a few companies who may not provide online price quotes and these small, regional companies work with independent agents.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. There have been many situations where drivers have reduced liability coverage limits only to find out they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.