Bluff Dale Auto Insurance For Less Than You're Paying Now

Are you intimidated by the dozens of auto insurance companies in Bluff Dale? Many other drivers are as well. People have so many options available that it can turn into a real hassle to find better rates.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the different types of things that go into determining auto insurance rates. Understanding what influences your rates helps enable you to make changes that will entitle you to lower auto insurance prices.

  • Your car's features help determine rates - Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Do you know your deductibles? - Deductibles for physical damage define the amount you are willing to pay before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and rolling your vehicle. The more the insured has to pay upfront, the less your auto insurance will be.
  • Traffic citations inflate rates - A bad driving record impacts your car insurance rates tremendously. Even one citation may increase your cost by twenty percent. Drivers with clean records tend to pay less for car insurance than bad drivers. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Safer cars are cheaper to insure - Cars with high safety ratings can get you lower premiums. The safest vehicles have better occupant injury protection and better occupant protection means lower claim amounts and lower rates for you.
  • An active claims history can cost you - Companies in Texas award better rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Drive less and save money - The more miles you rack up on your car in a year the higher your rate. The majority of insurers price each vehicle's coverage based on their usage. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.

compare Bluff Dale auto insurance rates

How to Compare Auto Insurance in Bluff Dale, Texas

Comparing auto insurance rates can take time and effort if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in Bluff Dale, or you can stay home and use online quotes to get pricing more quickly.

Most of the larger companies are enrolled in a marketplace that enables customers to send in one quote, and each company provides a quote based on that data. This saves time by eliminating quotation requests to each individual auto insurance company. To submit your quote information now, click here to open in new window.

One minor caviat to getting quotes like this is buyers cannot specifically choose which providers to get quotes from. If you prefer to choose specific providers to request quotes from, we have assembled a list of the cheapest auto insurance companies in Texas. Click here for list of insurance companies in Texas.

It's up to you which method you use, but ensure you are comparing the exact same coverages and limits for every quote you compare. If you have different deductibles you will not be able to determine the best price in Bluff Dale.

Don't pay full price with these discounts

Companies don't always list every discount in an easy-to-find place, so we researched some of the best known and the harder-to-find savings tricks you should be using. If they aren't giving you every credit possible, you are paying more than you should be.

  • Payment Discounts - If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Homeowners Discount - Simply owning a home can help you save on auto insurance because owning a home shows financial diligence.
  • Passive Restraints and Air Bags - Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
  • Low Mileage Discounts - Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Student Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class in school.

Keep in mind that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like it's possible to get free car insurance, it just doesn't work that way.

To choose insurance companies offering auto insurance discounts in Bluff Dale, click here to view.

The auto insurance bait and switch

Texas drivers can't ignore all the ads that promise big savings from companies such as State Farm, Allstate and GEICO. They all make an identical promise that you can save if you switch your policy.

How do they all say the same thing? This is how they do it.

All companies are able to cherry pick for the right customer that makes them money. For instance, a driver they prefer might be profiled as between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. A propective insured who meets those qualifications will get very good rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be quoted higher prices and ends up with business not being written. The ads say "drivers who switch" not "everyone that quotes" save that kind of money. That's the way insurance companies can advertise the way they do. This emphasizes why you need to get a wide range of price quotes. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Additional detailed information is located at the Texas Department of Insurance website. Texas drivers can view a list of available companies, report car insurance fraud, and file complaints about a company.

In the end, you save

People switch companies for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, poor customer service or even delays in responding to claim requests. Regardless of your reason, switching auto insurance companies is easier than you think.

Affordable auto insurance is available on the web in addition to many Bluff Dale insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies do not provide online price quotes and these small, regional companies work with independent agents.

In this article, we covered some good ideas how you can compare auto insurance prices online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from a lesser-known regional company.