Car Insurance in Crowley Texas - 10 Tips to Save Money

Paying for high-priced car insurance can overdraw your savings account and make it impossible to make ends meet. Comparison shopping is a smart way to help make ends meet. You have so many to buy insurance from, and even though it's nice to be able to choose, lots of choices makes it harder to compare rates.

car insurance in Crowley

Free Quotes for Car Insurance in Crowley, Texas

Effectively comparing car insurance prices can take hours if you don't understand the best way to get rate quotes. You can spend your afternoon talking to insurance agencies in Crowley, or you could save time and use online quotes to quickly compare rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each participating company provides a quote. This eliminates the need for quote forms to each individual car insurance company.

To submit your quote information now, click here to open in new window.

One minor caviat to doing it this way is you are unable to specify which providers to get pricing from. So if you want to choose specific providers to compare, we put together a list of car insurance companies in Texas. Click to view list.

It doesn't matter which method you choose, just make darn sure you compare identical information for each price quote. If you compare higher or lower deductibles it's not possible to truly determine the lowest rate in Crowley.

Be sure to get all your discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be asked about before you will receive the discount. If you're not getting every credit you deserve, you are paying more than you should be.

  • Driver Safety - Completing a driver safety course could cut 5% off your bill if your company offers it.
  • Student in College - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • 55 and Retired - If you're over the age of 55, you may be able to get a small decrease in premiums.
  • Claim Free - Drivers who don't have accidents can save substantially when compared with accident-prone drivers.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Paperless Signup - Certain companies will give a small break for buying your policy over the internet.
  • Organization Discounts - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To choose insurers who offer car insurance discounts in Texas, follow this link.

Is there truth in advertising?

Consumers can't ignore all the ads for car insurance savings from the likes of 21st Century, Allstate and State Farm. All the companies say the same thing about savings after switching your coverage to them.

How does each company make the same claim?

All companies have a preferred profile for the type of customer that makes them money. For example, a profitable customer could be a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards must pay higher premiums which usually ends up with business going elsewhere. The ads say "customers that switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully advertise the way they do.

This illustrates why you need to quote coverage with many companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

How do I know if I need professional advice?

When buying the right insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For example, these questions may help you determine whether or not you would benefit from professional advice.

  • Should I rate my vehicle as pleasure use or commute?
  • Do I pay less if my vehicle is kept in my garage?
  • 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 put collision coverage on all my vehicles?
  • 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 Crowley?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Additional information can be found on the website for the Texas Department of Insurance located here. Consumers can discover disciplinary actions, read enforcement actions against agents and companies, view agent and company licensing information, and read consumer alerts.

Crowley car insurance comparison

A tidy conclusion

Cheaper car insurance can be purchased from both online companies as well as from independent agents in Crowley, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.