Free Guide to Spending Less for Bells Car Insurance Online

I can't think of anyone who cherishes buying car insurance, particularly when their premiums are too high.

Numerous battle for your insurance dollar, and it can be difficult to compare rates and get the definite lowest price

It's important to do rate comparisons periodically due to the fact that insurance rates are constantly changing. If you had the lowest price a year ago a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to the fastest and easiest way to buy cheaper car insurance.

Don't pay full price with these discounts

Companies offering auto insurance don't list every available discount in an easy-to-find place, so we researched both the well known and the harder-to-find car insurance savings.

  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • Accident Free - Good drivers with no accidents pay much less compared to drivers who are more careless.
  • More Vehicles More Savings - Having multiple cars or trucks on one policy qualifies for this discount.
  • Resident Student - Children who are attending college without a vehicle on campus may be able to be covered for less.
  • Anti-theft Discount - Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren't that generous.

Bells car insurance quote

Why some people pay less for insurance in Bells

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for car insurance. Understanding what impacts premium levels allows you to make educated decisions that can help you get lower car insurance prices.

The list below includes a partial list of the pieces companies use to determine your rates.

  • Your credit rating is important - Your credit rating is a huge factor in determining your rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower ratings. Therefore, if your credit score can use some improvement, you could potentially save money when insuring your by repairing your credit.
  • Rates may be higher depending on your occupation - Occupations like judges, architects and accountants tend to pay higher rates than average in part from high stress levels and lengthy work days. On the flip side, jobs such as scientists, athletes and the unemployed have the lowest average rates.
  • Older drivers pay less - Older drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers tend to be more careless behind the wheel therefore car insurance rates are much higher.
  • How many coverages with the same company - The majority of companies give discounts to insureds who buy several policies from them. It's known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount it's in your best interest to compare other company rates to make sure you are getting the best deal.

Your personal situation dictates your coverage

When it comes to buying the best car insurance coverage for your vehicles, there is no perfect coverage plan. Every insured's situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you might need an agent's assistance.

  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What are Texas no-fault laws?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don't know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you don't have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

The car insurance bait and switch

Companies like Allstate and Progressive regularly use ads in print and on television. All the ads say the same thing about savings if you move to them. How do they all claim to save you money? This is how they do it.

All companies have a certain "appetite" for the type of driver that earns them a profit. For instance, a preferred risk might be between the ages of 30 and 50, a clean driving record, and has excellent credit. Any driver who fits that profile will get very good rates and therefore will cut their rates substantially.

Potential insureds who don't measure up to the "perfect" profile will be charged more money which usually ends up with the customer not buying. The ads say "drivers who switch" not "everyone that quotes" save money. That is how companies can truthfully make those claims. That is why drivers should get a wide range of price quotes. You cannot predict which company will have the lowest rates.

Additional Texas consumer information

Even more information is located at the Texas Department of Insurance website. Visitors are able to find out industry alerts, read industry bulletins, read enforcement actions against agents and companies, and read consumer alerts.

Texas car insurance

Affordable insurance is out there

While you're price shopping online, never skimp on coverage in order to save money. Too many times, someone dropped liability coverage limits only to discover later they didn't purchase enough coverage. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

We just presented many ways to reduce car insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. You may even discover the lowest rates come from a lesser-known regional company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as .