Getting the Cheapest Aransas Pass Car Insurance
Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, there are many Aransas Pass consumers feeling the pinch from expensive car insurance.
Online insurance companies like State Farm, Allstate, GEICO and Progressive continually bombard you with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.
Policy discounts you shouldn't miss
Auto insurance companies don't always advertise every discount in a way that's easy to find, so we researched both the well known and the more hidden ways to save on car insurance.
- No Claims - Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
- Defensive Driver - Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
- Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
- Payment Discounts - If paying your policy premium upfront rather than paying monthly you could save 5% or more.
- Senior Citizens - Older drivers may qualify for a discount up to 10%.
- Paperwork-free - Certain companies may give you up to $50 for buying your policy digitally online.
As a disclaimer on discounts, many deductions do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like it's possible to get free car insurance, car insurance companies aren't that generous.
For a list of insurance companies offering car insurance discounts in Aransas Pass, click this link.
How to Compare Aransas Pass Car Insurance Costs
The are a couple different ways of comparing rates from car insurance companies in your area. The recommended way to find the cheapest insurance rates consists of shopping online. This can be accomplished using a couple different methods.
One of the best ways consumers can analyze rates is a comparison rater form click here to open form in new window. This form saves time by eliminating separate forms for every car insurance company. Completing one form compares rates from several companies.
A slightly less efficient method to shop for car insurance online is going to the website of each company to complete a price quote. For instance, let's assume you want to compare rates from , and . To get rate quotes you would need to go to every website and enter your information, which is why most consumers use the first method.
For a list of links to companies insuring cars in Aransas Pass, click here.
It doesn't matter which method you choose, just compare exactly the same coverage limits and deductibles for every company. If you are comparing different liability limits it will be impossible to decipher which rate is best in Aransas Pass. Having just a slight variation in coverages could mean much higher rates. Just keep in mind that having more price comparisons will increase your chances of finding the best rates.
Final considerations
Cheap car insurance can be found both online in addition to many Aransas Pass insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and these small, regional companies work with independent agents.
As you prepare to switch companies, it's not a good idea to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped liability coverage limits only to discover later that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.
