Free Guide to Spending Less for Arlington Car Insurance Online

Have you had enough of trying to scrape together enough money each month for car insurance? You are no different than millions of other consumers. Numerous battle for your insurance dollar, so it's not easy to compare every to find the absolute lowest price

What determines how much you pay?

Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that could result in lower car insurance prices.

Shown below are a partial list of the pieces companies use to determine premiums.

Higher safety ratings means cheaper insurance - Cars with high safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.
Special features that cut premiums - Driving a car with a theft deterrent system can save you a little every year. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
Low deductibles can be expensive - Deductibles for physical damage represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be colliding with a building, damage from fire, or theft. The more you're willing to pay, the less your company will charge you for insurance.
Bad driving skills means higher rates - Whether or not you get tickets impacts your car insurance rates tremendously. Good drivers get better rates than their less careful counterparts. Even one speeding ticket can increase rates by twenty percent. Drivers with dangerous tickets like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
How many coverages with the same company - Some insurers will award you with lower prices to insureds who buy several policies from them. It's known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount, it's still a good idea to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by splitting coverages up.
Your stress level may be raising your rates - Occupations such as judges, business owners and accountants tend to pay higher rates than average due to high stress and lengthy work days. On the flip side, jobs such as farmers, athletes and retirees have the lowest average rates.
Extra add-on coverages are wasting money - There are quite a few extra bells and whistles that you can get tricked into buying when buying car insurance. Coverages like personal injury protection, accidental death and motor club memberships may be costing you every month. These coverages may sound good initially, but if you don't need them get rid of them and save.

Don't pay full price with these discounts

Insurance can be prohibitively expensive, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied when you quote, but a few must be specifically requested prior to getting the savings. If they aren't giving you every credit available, you are paying more than you should be.

Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Student Driver Training - Cut your cost by having your teen driver enroll in driver's education if offered at their school.
Multiple Cars - Having all your vehicles with the same company can get a discount on all vehicles.
Discount for Swiching Early - Some companies give discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
Auto/Home Discount - If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.

It's important to note that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates it's possible to get free car insurance, you're out of luck. But any discount will cut your premiums.

To choose insurers with discount car insurance rates in Arlington, click here to view.

The car insurance bait and switch

Consumers in Texas can't ignore all the ads for the lowest price auto insurance by companies like 21st Century, Allstate and State Farm. All the companies make an identical promise that you can save if you change to them.

How do they all claim to save you money? It's all in the numbers.

All companies can use profiling for the type of driver that makes them money. For instance, a profitable customer might be a mature driver, has no tickets, and has excellent credit. Any driver who meets those qualifications is entitled to the best price and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile must pay a higher premium and ends up with the customer not buying. The ads state "customers who switch" not "everyone that quotes" save money. That's why insurance companies can make those claims.

This illustrates why you should quote coverage with many companies. You cannot predict the company that will have the lowest rates.

More information is located on the website for the Texas Department of Insurance found here. Visitors are able to find disaster information, view a list of available companies, report car insurance fraud, and file complaints about a company.

Best coverage at the best price

Lower-priced car insurance is attainable both online and with local Arlington insurance agents, and you need to price shop both to have the best rate selection. Some companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

While you're price shopping online, never buy poor coverage just to save money. There are a lot of situations where an insured dropped collision coverage and learned later they didn't purchase enough coverage. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.