9 Best Ways to Reduce Car Insurance Costs in Bridgeport, TX

Are you sick and tired of trying to scrape together enough money each month for car insurance? Your situation is no different than the majority of other car owners in Texas. There is such a variety of to pick from, and though it is a good thing to have a selection, so many choices can make it hard to compare rates.

More discounts equal less premium

Companies offering auto insurance don't list all available discounts very clearly, so we break down some of the more common as well as the least known car insurance savings. If you're not getting every credit available, you're paying more than you need to.

Military Discounts - Having a deployed family member could be rewarded with lower premiums.
No Claims - Claim-free drivers can save substantially when compared with bad drivers.
Multiple Cars - Having all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
Auto/Home Discount - When you combine your home and auto insurance with the same insurance company you will save up to 20% off your total premium.
Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% depending on your company.
Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save 5% or more.
Paperless Signup - Certain companies will give a small break just for signing your application over the internet.
One Accident Forgiven - Certain companies will forgive one accident before raising your premiums so long as you haven't had any claims prior to the accident.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.

It's important to note that most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, you're out of luck.

To see a list of insurers with discount car insurance rates in Texas, follow this link.

How to Compare Bridgeport Car Insurance Rates

Most companies like 21st Century, Allstate and State Farm allow you to get insurance quotes online. Getting quotes doesn't take much effort as you just enter into the quote form. Once you submit the form, their rating system will obtain information on your driving record and credit history and gives you a price quote. This makes it a lot easier to compare rates but the process of having to visit many different websites and enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to perform this step in order to find a lower rate.

There is a better way!

The preferred way to lower your car insurance bill is to use a quote form that gets prices from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes comparison shopping much easier to do. After sending the form, it is rated with multiple companies and you can pick any one of the price quotes you receive. If a lower price is quoted, you can click and sign and purchase the new policy. The entire process takes less than 15 minutes and could lower your rates considerably.

To find out how much you're overpaying now, click here and input your coverage information. To compare your current rates, we recommend you input coverages and limits exactly as shown on your declarations page. This makes sure you are getting a fair comparison based on the exact same insurance coverage.

Switch companies and save? Really?

Consumers can't get away from ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. All the companies say the same thing that you can save if you change your policy.

How does each company make the same claim?

All companies can use profiling for the right customer that is profitable for them. For example, a profitable customer could be over the age of 50, is a homeowner, and has a short commute. Any new insured who fits that profile will get the preferred rates and therefore will save when switching.

Potential insureds who do not match these standards must pay more money which usually ends up with business going elsewhere. The ads state "customers that switch" not "everyone that quotes" save that kind of money. That's why insurance companies can make the claims of big savings. This illustrates why drivers must get as many quotes as possible. It's just too difficult to predict the company that will fit your personal profile best.

And the best car insurance company is...

Lower-priced car insurance can be sourced from both online companies in addition to many Bridgeport insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, make sure you don't reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Learn more today

Additional detailed information can be found at the Texas Department of Insurance website. Consumers can find disaster information, read industry bulletins, report car insurance fraud, and view agent and company licensing information.

Additional helpful sites include this page for car insurance prices in Texas and this page of Bridgeport insurance agents.