Easy Tips to Pay Less on Chico Auto Insurance

If you are a novice to online auto insurance shopping, it's easy to be confused because of the huge number of auto insurance companies selling insurance in Chico.

compare Chico auto insurance rates

Don't pay full price with these discounts

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but less common discounts must be inquired about before they will apply.

  • Military Rewards - Having a deployed family member may qualify for rate reductions.
  • Good Student - Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Distant Student - Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Accident Forgiveness - Certain companies permit an accident without raising rates if your claims history is clear prior to the accident.
  • Early Switch Discount - A few companies offer discounts for buying a policy before your current policy expires. It's a savings of about 10%.
  • Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like it's possible to get free car insurance, auto insurance companies aren't that generous. Any amount of discount will bring down your premiums.

For a list of insurance companies who offer auto insurance discounts in Texas, follow this link.

Auto Insurance Comparison Rates in Chico, TX

There are multiple methods to shop for auto insurance, and some are more efficient than others. You can waste hours discussing policy coverages with insurance companies in Chico, or you can utilize online quoting to quickly compare rates.

Most car insurance companies take part in a program that enables customers to submit their information once, and at least one company provides a quote for coverage. This eliminates the need for quotation requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to using this type of system is you can't choose the companies to get quotes from. So if you prefer to choose specific providers to compare prices, we put together a list of low cost auto insurance companies in Texas. Click to view list.

It doesn't matter which method you choose, just be sure to compare identical coverage information on every quote. If you use unequal deductibles or liability limits it will be impossible to make a fair comparison in Chico. Just a small difference in coverages can mean a large discrepancy in price. Keep in mind that more quotes helps locate the best offered rates.

Your personal situation dictates your coverage

When it comes to choosing the best auto insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

Here are some questions about coverages that may help highlight whether or not you might need an agent's assistance.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in Texas?
  • Why does it cost so much to insure a teen driver in Chico?
  • Does my policy cover me when driving someone else's vehicle?
  • Does my car insurance cover rental cars?
  • Am I covered when driving on a suspended license?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Final considerations

Consumers change insurance companies for many reasons like unfair underwriting practices, poor customer service, not issuing a premium refund and denial of a claim. Regardless of your reason, finding the right auto insurance provider is not as hard as you think.

We covered a lot of tips how to get a better price on auto insurance. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from an unexpected company.

When you buy insurance online, it's very important that you do not sacrifice coverage to reduce premiums. There have been many situations where someone dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.