8 Shopping Tips Guaranteed to Save Money on Car Insurance Costs in Boyd, TX

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say there are a lot of people in Boyd just like you who feel imprisoned by their car insurance policy.

Online insurance 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 take the time to shop coverage around.

It's important to get comparison quotes every six months since rates are constantly changing. If you had the best deal a year ago a different company probably has better rates today. Starting now, block out anything you think you know about car insurance because we're going to show you the only way to save on car insurance.

Save big with these eight discounts

Car insurance companies don't always publicize every available discount in a way that's easy to find, so here is a list both the well known and the harder-to-find car insurance savings.

  • Theft Prevention System - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Clubs and Organizations - Being a member of a civic or occupational organization could qualify you for a break on your policy.
  • No Claims - Drivers with accident-free driving histories can earn big discounts compared to drivers who are more careless.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
  • Use Seat Belts - Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Federal Government Employee - Active or retired federal employment may qualify you for a discount with certain companies.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think all those discounts means the company will pay you, car insurance companies aren't that generous.

Boyd car insurance quote

Car insurance ads bend the truth

Companies like Allstate and Progressive regularly use ads on TV and radio. All the ads say the same thing about savings if you move your policy. How can each company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the right customer that earns them a profit. An example of a preferred risk might be over the age of 40, has no driving citations, and has excellent credit. Any new insured who fits that profile will get the preferred rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will be charged a more expensive rate which usually ends up with the customer not buying. The ads state "drivers who switch" not "people who quote" save that kind of money. That's the way companies can truthfully make those claims. That is why drivers should get as many comparisons as possible. It's just too difficult to predict which car insurance company will have the lowest rates.

Learn more about Texas car insurance

Even more information is available at the Texas Department of Insurance website. Visitors are able to read consumer alerts, find out which companies have the most complaints, read industry bulletins, and view a list of available companies.

Affordable insurance is out there

While you're price shopping online, it's not a good idea to skimp on coverage in order to save money. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Cheap car insurance is definitely available both online in addition to many Boyd insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.