Car Insurance in Boerne - 10 Ways to Save Money

Overpriced car insurance can overdraw your bank account and make it impossible to make ends meet. Shopping your coverage around is a great way to lower your monthly bill.

Companies like State Farm, Allstate, GEICO and Progressive continually hit you with catchy ads and it can be hard to sift through the bull and do the work needed to find the best deal.

It's important to check car insurance prices yearly since rates are constantly changing. Even if you got the lowest price six months ago there is a good chance you can find better rates now. There is a lot of bad advice regarding car insurance online, so we're going to give you some great ways to reduce your car insurance bill.

Compare Car Insurance Today

There are several ways to get quotes from local Boerne car insurance companies. One of the best ways to compare insurance prices is to get quotes online. This is very easy and can be done in a couple of different ways.

The fastest way to get quotes is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do boring form submissions for each company you want a rate for. A single, simple form gets rate comparisons from all major companies.
A more time consuming way to get quotes online is spending the time to visit the website for each individual company to request a price quote. For examples sake, let's say you want comparison quotes from , and . To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

To view a list of companies in Boerne, click here.

Whichever method you choose, make sure you use exactly the same information for each price quote. If the quotes have higher or lower deductibles then you won't be able to truly determine the lowest rate in Boerne. Slightly different limits can make a big difference in price. And when comparing car insurance rates, know that quoting more will increase your chances of finding the best price.

Save big with these ten discounts

Car insurance companies don't always publicize every available discount in a way that's easy to find, so we researched both the well known and also the lesser-known discounts you could be receiving.

Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
Life Insurance Discount - Some companies give better rates if you take out life insurance.
Save with a New Car - Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Payment Method - By paying your policy upfront instead of making monthly payments you can actually save on your bill.
Multi-policy Discount - If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.
Passive Restraints - Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
Military Rewards - Being deployed with a military unit may qualify for rate reductions.
Accident Free - Drivers who don't have accidents pay much less compared to accident-prone drivers.
Own a Home - Being a homeowner can save you money due to the fact that maintaining a home shows financial diligence.
Early Switch Discount - Some companies give discounts for buying a policy prior to your current policy expiration. It's a savings of about 10%.

Keep in mind that some credits don't apply to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn't work that way.

To choose providers who offer car insurance discounts in Boerne, click here.

Car insurance ads bend the truth

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads have a common claim that you can save after switching to them. How can each company claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the type of driver that makes them money. For instance, a preferred risk might be between 30 and 50, has no prior claims, and has a high credit rating. Any new insured that hits that "sweet spot" will get the preferred rates and most likely will save when they switch companies.

Drivers who fall outside the requirements will be charged higher premiums and this can result in the customer not buying. The ads state "customers who switch" not "people who quote" save money. This is how insurance companies can state the savings. That is why you need to get as many comparisons as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

But I don't know anything about car insurance

When buying the best car insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Every situation is different and your policy should reflect that. These are some specific questions can help discover if your situation might need professional guidance.

Can I get a multi-policy discount for packaging my home and auto coverage?
When does my teenage driver need to be added to my policy?
Who is covered when they drive my vehicle?
Are my tools covered if they get stolen from my vehicle?
What are the best liability limits?
Can I rate high risk drivers on liability-only vehicles?
Am I covered when delivering products for my home-based business?

If you can't answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Additional detailed information is located at the Texas Department of Insurance website. Visitors are able to find out industry alerts, view agent and company licensing information, file complaints about an insurance agent or broker, and view a list of available companies.

Do the work, save more money

As you restructure your insurance plan, it's not a good idea to reduce coverage to reduce premium. Too many times, consumers will sacrifice collision coverage and learned later that they should have had better coverage. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

We just covered a lot of ways to compare car insurance prices online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the best prices are with some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like .