How to Know You're Paying Too Much for Car Insurance in Bellville

Nobody I know enjoys paying for car insurance, particularly when their premiums are through the roof.

Having so many different company options, it is hard for the average consumer to choose the cheapest insurance company.

It's important to get comparison quotes occasionally due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the lowest rates last year there may be better deals available now. Starting now, forget anything you know (or think you know) about car insurance because I'm going to teach you the tricks you need to know to save on car insurance.

Bellville car insurance quote

Policy discounts you shouldn't miss

Car insurance is not cheap, but companies offer discounts to cut the cost considerably. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be asked for before you will receive the discount.

  • Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Senior Citizens - Older drivers may be able to get a discount up to 10%.
  • No Claims - Good drivers with no accidents can save substantially compared to frequent claim filers.
  • Homeowners Savings - Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Military Discounts - Being deployed with a military unit may qualify for rate reductions.

As a disclaimer on discounts, some credits don't apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. Just because you may think you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

For a list of providers who offer car insurance discounts in Texas, click here.

Automobile Insurance Quotes in Bellville, TX

The are a couple different ways of comparing rates from different Bellville insurance companies. The recommended way to compare insurance prices consists of shopping online. This can be accomplished in several different ways.

One of the best ways consumers can analyze rates is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating separate quotation requests for each company. A single form will get you rate comparisons from car insurance companies with the best prices.

A slightly less efficient method to shop for car insurance online requires you to visit the website for each individual company to complete a price quote. For instance, let's assume you want to compare , and . You would have to go to every website and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in Bellville, click here.

The most time-consuming method to get comparison rates is to drive around to insurance agents' offices. The ability to buy insurance online makes this process obsolete unless you require the trained guidance of a licensed agent. It is possible to compare online quotes but buy from a local insurance agent and you'll learn how to do that later.

Whichever method you choose, make absolute certain that you use apples-to-apples coverage information with each company. If you use unequal deductibles or liability limits it's not possible to make an equal comparison in Bellville. Slightly different coverages could mean much higher rates. And when quoting car insurance, remember that having more price comparisons gives you a better chance of getting the best offered rates.

Insurance agents can help

When it comes to choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might point out whether your personal situation may require specific advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP (personal injury protection) coverage in Texas?
  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Texas?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Final considerations

When trying to cut insurance costs, don't be tempted to sacrifice coverage to reduce premiums. Too many times, an insured cut uninsured motorist or liability limits only to regret that it was a big mistake. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

We just presented a lot of ways to get a better price on car insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the biggest savings come from the least-expected company. These companies may have significantly lower rates on certain market segments compared to the large companies like .