How to Find Low-Cost Covington Auto Insurance

Purchasing the lowest cost Covington auto insurance online is challenging for beginners to comparison shopping online. With dozens of companies competing online, how can consumers possibly compare every one to find the best available rates?

Where Can I Get Cheap Covington Auto Insurance?

Getting better auto insurance pricing is actually quite simple. Just spend a few minutes on the computer to get quotes online from several insurance companies. This can be accomplished using a couple different methods.

The first (and easiest) way to get quotes is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing boring form submissions for each company. A single, simple form will get you rate comparisons from all major companies. This is by far the quickest method.

A less efficient way to compare rate quotes requires you to visit the website of each company and fill out their own quote form. For instance, let's say you want comparison quotes from , and . You would have to go to every website and enter your policy data, which is why the first method is more popular. To view a list of companies in Covington, click here.

The most time-consuming way to get comparison rates is driving to local Covington insurance agencies. The internet makes this process obsolete unless you require the trained guidance of a licensed agent. It is possible to compare the best prices online and still use a local agent.

However you get your quotes, make sure you use apples-to-apples coverage information for each comparison quote. If your comparisons have unequal deductibles or liability limits it's not possible to determine the lowest rate in Covington.

What determines how much you pay?

It's important that you understand the factors that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to better auto insurance rates.

You might want pay the small claims yourself - Companies in Texas generally give discounts to insureds who file claims infrequently. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Car insurance is designed for the bigger claims that can't be paid out-of-pocket.
Where you live can impact rates - Residing in a small town can save you money when insuring your vehicles. Urban drivers have to deal with traffic congestion and much longer commute distances. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
Older drivers save more - Teen drivers in Texas are known to be careless and easily distracted when driving so auto insurance rates are higher. If you've ever had to add a young driver to your policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
Do you qualify for a multi-policy discount? - Many insurance companies provide better rates to customers who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to shop around to make sure you are getting the best deal.
Add-on coverages can add up - There are a ton of add-on coverages that can waste your money on your auto insurance policy. Things like roadside assistance, accident forgiveness and motor club memberships are some examples. These may sound like a good investment when you first buy your policy, but if you don't need them remove them from your policy.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but there are discounts available to cut the cost considerably. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be requested specifically before being credited. If you don't get every credit you deserve, you're just leaving money on the table.

Government Employees - Simply working for the federal government can earn a discount up to 10% with a few auto insurance companies.
Life Insurance Discount - Companies who offer life insurance give a break if you buy life insurance from them.
Distant Student - Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
Driver Safety - Taking a course in driver safety could cut 5% off your bill depending on where you live.
Good Student Discount - Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

For a list of insurance companies who offer auto insurance discounts in Texas, click here.

How to know if you need help

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether your personal situation would benefit from professional advice.

Do I have coverage for damage caused while driving under the influence?
When does my teenage driver need to be added to my policy?
What are Texas no-fault laws?
Does my personal auto insurance policy cover using my vehicle for business use?
Should I have combined single limit or split liability limits?
Should I buy only the required Texas minimum liability coverage?
What is the difference between comprehensive and collision coverage?

If you can't answer these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It's fast, free and can help protect your family.

Additional information is available on the Texas Department of Insurance website located here. Texas consumers can download brochures, view agent and company licensing information, and read enforcement actions against agents and companies.

Other useful links include this online resource for auto insurance quotes in Texas and this list of insurance agents in Covington.

And the best car insurance company is...

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, delays in paying claims, not issuing a premium refund and policy non-renewal. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

As you restructure your insurance plan, do not reduce needed coverages to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

Cheaper auto insurance can be bought online and with local Covington insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer online quoting and these smaller companies work with independent agents.