Free Guide to Saving Money on Commerce Auto Insurance Online

Are you sick and tired of being strong-armed each month for car insurance? Your situation is no different than millions of other consumers.

There are many to buy insurance from, and though it is a good thing to have a choice, it makes it harder to compare rates.

It's important to check auto insurance prices once or twice a year since insurance rates are constantly changing. If you had the best rates a few years ago you may be paying too much now. There is a lot of bad information regarding auto insurance online but I'm going to show you some great ways to slash your auto insurance rates.

Fast and Easy Commerce Auto Insurance Quotes

There are several ways to compare rate quotes and find the best price. The recommended way to find competitive insurance rates involves getting comparison quotes online. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to get quotes is to use a rate comparison form click to view form in new window. This type of form eliminates the need for separate quotes to each individual auto insurance company. Taking the time to complete one form gets you coverage quotes instantly.

A harder way to get quotes online consists of going to each company's website and request a quote. For sake of this example, let's assume you want rates from , and . To find out each rate you need to spend time on each company's site to enter your coverage information, which is why the first method is quicker.

To view a list of companies in Commerce, click here.

Whichever method you choose, double check that you are using identical coverages with every price quote. If each company quotes different limits and deductibles on each one you can't possibly find the best deal in Commerce. Slightly different limits can make a big difference in price. It's important to know that quoting more helps locate lower pricing.

What determines how much you pay?

It's important that you understand the factors that come into play when calculating auto insurance rates. Knowing what influences your rates allows you to make educated decisions that may reward you with big savings.

The list below includes some of the items companies use to determine rates.

Men fork out a little more - The statistics show that women are safer drivers than men. However, don't assume that women are better drivers. They both tend to get into accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like reckless driving and DUI.
More claims means more premium - Car insurance companies in Texas generally give lower rates to drivers who file claims infrequently. If you tend to file frequent claims, you can definitely plan on higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
Rates may be higher depending on your occupation - Jobs such as real estate brokers, social workers and financial analysts tend to pay higher average rates due to high stress and lots of time spent at work. Conversely, professions such as farmers, engineers and the unemployed have the lowest average rates.
Low deductibles can be expensive - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims are collision with another vehicle, vandalism, and windstorm damage. The deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more expense you're willing to pay, the less your company will charge you for insurance.
Better credit means lower rates - Credit rating is a big factor in your rate calculation. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. So if your credit can use some improvement, you could be paying less to insure your by spending a little time repairing your credit.
A clean driving record saves money - Your driving citation history has a lot to do with how much you pay for insurance. Just one ticket can increase rates twenty percent or more. Good drivers get better rates than people who have multiple driving citations. Drivers who have severe citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
Never allow your policy to lapse - Not having insurance can get your license suspended and auto insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, failure to provide proof of insurance might get you a license revocation or jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Texas motor vehicle department to get your license reinstated.

Save big with these discounts

Companies that sell car insurance don't always advertise all their discounts very clearly, so the following is a list of some of the best known and also the lesser-known discounts you could be receiving.

Senior Discount - Older drivers can possibly qualify for reduced rates.
Drivers Education - Require your teen driver to complete a driver education course in high school.
Accident Free - Claim-free drivers pay less as compared to frequent claim filers.
Homeowners Pay Less - Owning a house in Commerce can save you money because of the fact that having a home demonstrates responsibility.
Employee of Federal Government - Simply working for the federal government may qualify you for a discount with select insurance companies.

It's important to note that some credits don't apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, you're out of luck.

For a list of companies with the best auto insurance discounts in Texas, click here.

Additional detailed information can be read at the Texas Department of Insurance website. Texas drivers can learn about insurance regulations, download brochures, read industry bulletins, and report car insurance fraud.

Shop smart and save

When shopping online for auto insurance, never reduce needed coverages to save money. There are many occasions where an insured dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at the best price.

Lower-priced auto insurance is definitely available on the web and with local Commerce insurance agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.