Tightwads Tips for Saving on Blessing Car Insurance
Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you there are a lot of people in Blessing just like you who feel imprisoned by their car insurance policy.
Drivers have multiple to pick from, and although it's a good thing to have multiple companies, it can be more challenging to compare rates.
It's important to compare prices at least once a year because rates are constantly changing. Even if you got the lowest price last year you will most likely find a better rate today. Block out anything you think you know about car insurance because we're going to demonstrate the tricks you need to know to buy cheaper car insurance.
Buying car insurance in Blessing is not that difficult. Basically, every driver who carries car insurance will most likely be able to lower their premiums. Although Texas car owners do need to know how big insurance companies price insurance differently because it can help you find the best coverage.
Take advantage of discounts
Companies offering auto insurance don't always advertise all their discounts very clearly, so we researched some of the more common and the harder-to-find car insurance savings.
- Sign Online - Certain companies will give a small break for buying your policy over the internet.
- Driver Safety - Completing a driver safety course could possibly earn you a 5% discount if you qualify.
- Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
- Bundle and Save - If you have multiple policies with the same company you may save up to 20% off your total premium.
- Discount for Good Grades - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
- Drive Less and Save - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
- Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
A little note about advertised discounts, most credits do not apply the the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, you won't be that lucky.
Are car insurance companies telling the truth?
Car insurance companies such as State Farm, GEICO and Progressive continually stream ads on TV and radio. They all seem to say the same thing about savings after switching to their company. How does each company make the same claim? This is how they do it.
All companies are able to cherry pick for the driver that earns them a profit. For instance, a desirable insured could be between 30 and 50, has no tickets, and drives newer vehicles. A customer who fits that profile will qualify for the lowest rates and most likely will save when switching.
Potential insureds who don't qualify for these standards will have to pay more money which usually ends up with business going elsewhere. The ad wording is "drivers who switch" not "people who quote" save that much. That's the way companies can truthfully claim big savings. Because of the profiling, you should get a wide range of price quotes. Because you never know which car insurance company will give you the biggest savings.
Even more information is located at the Texas Department of Insurance website. Consumers can get help finding coverage, discover disciplinary actions, view agent and company licensing information, and file complaints about a company.
Also read more on this page for Texas car insurance and see this list of insurance agents in Blessing.
Do the work, save more money
The cheapest car insurance can be purchased from both online companies and also from your neighborhood Blessing agents, so compare prices from both in order to have the best chance of saving money. A few companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
When trying to cut insurance costs, make sure you don't buy lower coverage limits just to save a few bucks. In many cases, an insured dropped liability coverage limits only to discover later that it was a big mistake. Your aim should be to get the best coverage possible for the lowest price.
We just showed you a lot of information how to reduce car insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best prices are with a lesser-known regional company. Regional companies may cover specific market segments cheaper than their larger competitors like .
