How to Know You're Paying Too Much for Auto Insurance in Alice

Nobody looks forward to paying for auto insurance, in particular when their premiums are too high.

Online insurance companies like GEICO and Progressive increase brand awareness with advertising and it can be hard to sift through the bull and effectively compare rates to find the best deal.

Take advantage of discounts

Insuring your fleet can be pricey, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be manually applied before they will apply.

Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
Good Student - A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
Homeowners Savings - Simply owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.
No Accidents - Good drivers with no accidents pay much less when compared to bad drivers.
Multiple Vehicles - Insuring multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
Discount for Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. Even though it may seem like you can get free auto insurance, auto insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

To see a list of insurance companies who offer auto insurance discounts in Alice, follow this link.

Auto Insurance Comparison Rates in Alice, TX

There are several ways of comparing price quotes from different Alice insurance companies. The best method to find the cheapest insurance rates consists of shopping online. This can be done using a couple different methods.

The best way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing repetitive form entry for every auto insurance company. Just one form gets you price quotes direct from many companies.
A more difficult way to compare rate quotes requires visiting the website of each company and complete a new quote form. For example, let's say you want to compare , and . To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is quicker. To view a list of companies in Alice, click here.

Which method you use is up to you, but be sure to compare exactly the same quote information on every quote. If you compare mixed coverages then you won't be able to make a fair comparison in Alice. Just a small difference in coverages may result in a large different in cost. Keep in mind that getting more free quotes will improve the odds of getting the best offered rates.

You have some control over your rates

An important part of buying insurance is that you know some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to lower auto insurance prices.

High crash test scores lower rates - Cars with high safety ratings are cheaper to insure. The safest vehicles reduce injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders.
Careful drivers pay lower rates - Even one citation can boost insurance rates by as much as thirty percent. Careful drivers get better rates compared to drivers with tickets. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state DMV in order to keep their license.
What are your deductibles? - Your deductibles define the amount you are required to spend before your auto insurance pays 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 could be running into the backend of another car, damage caused by hail, and burglary. The more you are required to pay out-of-pocket, the lower your rates will be.
Occupation reflects on rates - Did you know that where you work can have an impact on rates? Careers like judges, architects and dentists tend to have the highest average rates due to high stress levels and lengthy work days. Other professions such as scientists, historians and performers receive lower rates.

How to know if you need help

When choosing the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won't apply. These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

Do I have coverage when using my vehicle for my home business?
Do I need to file an SR-22 for a DUI in Texas?
Does my policy cover my teen driver if they drive my company car?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered when driving on a suspended license?
What are the financial responsibility laws in Texas?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier

Are auto insurance companies telling the truth?

Auto insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all say the same thing about savings after switching to their company. How can each company make almost identical claims? It's all in the numbers.

All companies have a certain "appetite" for the driver that is profitable for them. For instance, a driver they prefer could possibly be a mature driver, a clean driving record, and has a short commute. A customer getting a price quote who fits that profile gets the lowest rates and most likely will save when they switch companies.

Consumers who don't qualify for the requirements will be quoted higher rates which usually ends up with the driver buying from a lower-cost company. The ads say "customers who switch" not "people who quote" save that much. That is how companies can truthfully make the claims of big savings.

This emphasizes why drivers must compare as many rates as you can. It's impossible to know which company will fit your personal profile best.

Final considerations

You just read a lot of information how to compare auto insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the best price on auto insurance is with some of the smallest insurance companies. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like .

Cheap auto insurance can be sourced online and also from your neighborhood Alice agents, and you need to price shop both to get a complete price analysis. Some insurance providers may not provide the ability to get a quote online and these small, regional companies work with independent agents.

Additional information is located on the website for the Texas Department of Insurance found here. Texas consumers can find disaster information, file complaints about a company, report car insurance fraud, and read industry bulletins.