Consumer Tested Strategies to Save on Combes Car Insurance

Overpriced car insurance can dwindle your checking account and put a big crunch on your finances. Shopping your coverage around is a smart way to make sure you're not throwing money away.

Multiple compete to insure your vehicles, and because of this it can be hard to compare to get the lowest price

More discounts equal less premium

Companies offering auto insurance don't list all available discounts in an easy-to-find place, so we took the time to find both the well known and the more hidden car insurance savings.

Multiple Vehicles - Having multiple vehicles on the same car insurance policy could earn a price break for each car.
Student in College - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
Senior Citizens - Mature drivers may be able to get a small decrease in premiums.
Fewer Miles Equal More Savings - Fewer annual miles can earn lower rates on the low mileage vehicles.
Paperless Signup - A few companies may give you up to $50 just for signing your application on their website.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it just doesn't work that way.

To see a list of insurers who offer car insurance discounts in Combes, follow this link.

How to Buy Combes Car Insurance Online

Most companies such as Allstate, GEICO and Progressive allow you to get coverage price quotes on their websites. Obtaining pricing is fairly simple as you just enter your coverage information into the quote form. Once you submit the form, the system will obtain information on your driving record and credit history and gives you a price quote. Quoting online streamlines rate comparisons, but the process of having to visit many different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find a lower rate.

The preferred way to locate the lowest prices makes use of a single form to get prices from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes quoting online much easier to do. After sending your information, it is rated and you can select any of the price quotes you receive. If the quotes result in lower rates, you can click and sign and buy the policy. The entire process takes 15 minutes at the most and may save quite a bit of money.

In order to find out how much you're overpaying now, click here and complete the simple form. If you currently have coverage, we recommend you input the limits and deductibles as shown on your current policy. This makes sure you will receive rate quotes based on the exact same insurance coverage.

Tips to Get Lower Combes Rates

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. Understanding what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

The following are a few of the "ingredients" used by your company to calculate premiums.

Increase deductibles and save - Your deductibles represent how much money you are required to spend before a claim is paid by your company. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims would be colliding with a building, damage caused by hail, or theft. The higher the amount you have to pay, the bigger discount you will receive.
Mature drivers pay less - More mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers are known to be less responsible when driving therefore car insurance rates are much higher.
Men pay higher rates - Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes cause accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations like DUI and reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
Add-on coverages can add up - There are a ton of add-on coverages that you can get tricked into buying when buying car insurance. Coverages like personal injury protection, accidental death and additional equipment coverage are examples of these. These coverages may sound good at first, but now you might not need them so get rid of them and save.
Your spouse saves you money - Having a spouse can get you a discount when buying car insurance. Having a spouse translates into being more mature and it's statistically proven that married drivers get in fewer accidents.

It's not one size fits all

When choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone's needs are different and a cookie cutter policy won't apply. Here are some questions about coverages that may help you determine if you might need an agent's assistance.

Can I afford to buy a different vehicle if my vehicle is totaled?
Why does it cost so much to insure a teen driver in Combes?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Should I buy additional glass protection?
Is my vehicle covered for flood damage?
Does my liability insurance cover pulling a trailer or camper?
When do I need to add a new car to my policy?
Is my dog or cat covered if injured in an accident?

If you don't know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Switch companies and save? Really?

Allstate, GEICO and Progressive continually stream ads in print and on television. All the companies say the same thing that you can save after switching your coverage to them. How do they all claim to save you money?

Insurance companies have a preferred profile for the type of customer that is profitable for them. For example, a profitable customer might be between the ages of 30 and 50, insures multiple vehicles, and has great credit. Any driver who fits that profile will get the preferred rates and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile must pay more money which usually ends up with the customer not buying. The ads state "people who switch" not "everyone that quotes" save that much money. This is how insurance companies can advertise the savings. This illustrates why drivers must get as many quotes as possible. You cannot predict which insurance companies will fit your personal profile best.

Do the work, save more money

Affordable car insurance can be bought both online as well as from independent agents in Combes, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don't offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, never reduce coverage to reduce premium. In too many instances, drivers have reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

We just presented a lot of tips how to compare car insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from an unexpected company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as .

More sites with car insurance information

Additional detailed information can be found at the Texas Department of Insurance website. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, learn about insurance regulations, and discover disciplinary actions.