8 Ways You Can Buy Car Insurance for Less in Colorado City

No one likes having to buy car insurance, especially when their premiums are through the roof. With consumers having so many different company options, it is very difficult to locate the cheapest insurance company.

It's important to compare prices periodically since rates are constantly changing. Just because you found the lowest rates last year you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

Policy discounts you shouldn't miss

Car insurance companies don't list every available discount very well, so we break down some of the more common as well as the least known savings tricks you should be using. If you don't get every credit you qualify for, you are throwing money away.

  • Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
  • Good Student - Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Accident Forgiveness - Some insurance companies will forgive one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.
  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Multi-policy Discount - If you have multiple policies with one company you may earn approximately 10% to 15%.

It's important to note that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, you're out of luck.

Texas car insurance

Insurance agents can help

When it comes to buying adequate coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's needs are different so your insurance should reflect that For example, these questions may help highlight whether your personal situation might need an agent's assistance.

  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Texas?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Can I rate high risk drivers on liability-only vehicles?

If you're not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, complete this form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.

Save $429 a year? Really?

Consumers get pounded daily by advertisements for cheaper car insurance by State Farm and Allstate. All the ads make an identical promise that you can save after switching to their company.

But how can every company make the same claim?

All the different companies have a certain "appetite" for the driver that earns them a profit. For example, a preferred risk could be between the ages of 30 and 50, a clean driving record, and has great credit. Any new insured who meets those qualifications will get very good rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will be charged higher premiums and ends up with business going elsewhere. The ads say "customers that switch" but not "drivers who get quotes" save that much. That is how insurance companies can advertise the savings. That is why you should compare as many rates as you can. It's just too difficult to predict which company will give you the biggest savings.

Additional Texas consumer information

Additional detailed information can be found at the Texas Department of Insurance website. Consumers can learn about specific coverages, file complaints about a company, learn about insurance regulations, and find out industry alerts.

Also read more on III.org's auto insurance page and this directory of insurance agents in Colorado City Texas.

Texas car insurance

In the end, you save

You just learned many tips how you can reduce car insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Drivers may discover the lowest rates come from a small local company. Regional companies often have lower prices on specific markets compared to the large companies like .

Lower-priced car insurance can be sourced from both online companies and also from your neighborhood Colorado City agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.