How to Know You're Spending Too Much for Auto Insurance in Crosby

Having to pay for overpriced auto insurance can empty your savings account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to tighten up your finances. With so many choices, it's nearly impossible to choose the best insurance company.

Buying car insurance in Crosby is not that difficult. If you have car insurance now, you should be able to lower your premiums substantially using these methods. Texas consumers only need to know the most effective way to get comparison rates online.

Free Quotes for Auto Insurance in Crosby, Texas

Getting better auto insurance pricing doesn't have to be difficult. You just have to take the time comparing rates online with multiple companies. This can be accomplished using a couple different methods.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This form eliminates the need for separate forms for every auto insurance company. One form compares rates from several companies.

A more difficult way to get quotes online is going to each individual company website to complete their respective quote request forms. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website and enter your information, which is why the first method is more popular.

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

It doesn't matter which method you choose, just make darn sure you compare apples-to-apples coverage limits and deductibles on every quote you get. If you use different liability limits it's impossible to determine which rate is truly the best in Crosby.

Good Decisions Result in Lower Rates

It's important that you understand the rating factors that go into determining the price you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that could result in lower auto insurance prices.

Listed below are a few of the "ingredients" auto insurance companies consider when setting premiums.

Increase deductibles and save - Physical damage deductibles represent how much money you are willing to pay in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, collision with an animal, and burglary. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive.
Older drivers save more - Teen drivers in Texas are statistically proven to get distracted easily when driving so auto insurance rates are higher. If you've ever had to add a youthful driver to your auto insurance policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and receive fewer citations.
Poor credit can mean higher rates - A driver's credit score is a important factor in determining what you pay for auto insurance. So if your credit history is lower than you'd like, you could be paying less to insure your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
Bundling policies can get discounts - Most auto insurance companies will award you with lower prices 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 ensure the best deal.
Don't skimp on liability - Liability insurance is the protection if a court rules you are at fault for causing damage or personal injury in an accident. It will provide for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.

Save big with these discounts

Companies that sell car insurance don't always publicize all available discounts very well, so we took the time to find both well-publicized as well as the least known ways to save on auto insurance. If you don't get every credit you deserve, you're just leaving money on the table.

Multi-car Discount - Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
Student in College - Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.
Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
Accident Waiver - Some insurance companies will forgive one accident without raising rates so long as you haven't had any claims prior to the accident.
Service Members Pay Less - Having a family member in the military could mean lower rates.
Good Student Discount - Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

For a list of insurers offering auto insurance discounts in Texas, click this link.

But I don't know anything about car insurance

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone's situation is a little different so this has to be addressed. These are some specific questions may help you determine if your situation would benefit from professional advice.

Can I afford to buy a different vehicle if my vehicle is totaled?
What are Texas no-fault laws?
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?
Am I covered if I wreck a rental car?
I have good health insurance, so how much medical payments coverage do I need?
Who is covered when they drive my vehicle?
Do I have coverage when using my vehicle for my home business?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It's fast, free and can help protect your family.

Even more information can be found at the Texas Department of Insurance website. Texas consumers can report car insurance fraud, read enforcement actions against agents and companies, find out industry alerts, and read consumer alerts.

Other useful links include this link for Texas auto insurance quotes and this page for help finding agents in Crosby, TX.

And the best car insurance company is...

The cheapest auto insurance can be found online and also from your neighborhood Crosby agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, do not reduce needed coverages to save money. In too many instances, drivers have reduced physical damage coverage only to discover later that the small savings ended up costing them much more. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.