Denton Auto Insurance For Less Than You're Paying Now

Are you intimidated by the number of auto insurance company choices in Denton? You're not the only one! People have so many options that it can turn into a challenge to locate the lowest price.

It's important to compare prices every six months because prices are constantly changing. If you had the best deal a year ago you may be paying too much now. Starting right now, block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to find lower rates on auto insurance.

Comprehensive Denton Auto Insurance Comparison

Most major insurance companies like GEICO, State Farm and Progressive provide price estimates on the web. This process is quite simple as you just type in the coverages you want as detailed in the form. Behind the scenes, the company's rating system will obtain information on your driving record and credit history and returns a price based on many factors.

This streamlines rate comparisons, but having to visit several different sites and fill out multiple forms is monotonous and tiresome. But it's very important to compare as many rates as possible if you want to find better auto insurance pricing.

A less time-consuming method to lower your rates uses one form that obtains quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes rate comparisons a little more enjoyable. After your information is entered, it gets priced and you are able to buy any one of the returned quotes.

If one or more price quotes are lower than your current rates, it's easy to complete the application and buy the new coverage. The whole process only takes a few minutes and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and input your coverage information. If you have a policy now, it's recommended you copy the limits and deductibles as close as possible to your current policy. This way, you will have comparison quotes based on similar coverages.

How to Lower your Auto Insurance Rates

It's important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

The list below includes some of the factors used by your company to calculate rates.

Lower miles equals lower premium - The more you drive in a year the more you will pay for auto insurance. Almost all companies apply a rate based upon how you use the vehicle. Autos not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Ask your agent if your auto insurance policy shows the correct driver usage, because it can save money.
Liability coverage is cheap - The liability section of your policy provides coverage if ever a court rules you are at fault for personal injury or accident damage. Liability provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
More claims means more premium - Car insurance companies in Maryland give lower rates to insureds who do not file claims often. If you are a frequent claim filer, you can look forward to higher rates. Insurance coverage is designed for the large, substantial claims.
Where you live can impact rates - Choosing to live in less populated areas can be a good thing when insuring your vehicles. Drivers in populated areas have to deal with much more traffic and longer commute times. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.
Save money with special equipment - Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your vehicle from being stolen.
Older drivers save more - Teen drivers in Maryland tend to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, file fewer claims and get fewer tickets.

These discounts can lower your rates

The price of auto insurance can be rather high, but discounts can save money and there are some available that can drop the cost substantially. Most are applied at the time of quoting, but some must be specifically requested before you will receive the discount.

Auto/Life Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Club Memberships - Participating in a qualifying organization could trigger savings on auto insurance.
Federal Government Employee - Simply working for the federal government may qualify you for a discount with select insurance companies.
Bundle and Save - When you have multiple policies with one insurance company you may save approximately 10% to 15%.
Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you could save up to 5%.
Save over 55 - Older drivers can possibly qualify for a small decrease in premiums.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will bring down the cost of coverage.

For a list of companies with the best auto insurance discounts in Maryland, click this link.

Additional information is available on the Maryland Insurance Administration website. Click here for link. Maryland consumers can file complaints about an insurance agent or broker, find out which companies have the most complaints, and download brochures.

Other useful links include Auto Insurance 101 and this page where you can research Denton insurance agents.

Shop smart and save

While you're price shopping online, make sure you don't reduce needed coverages to save money. In many instances, someone sacrificed liability limits or collision coverage only to find out they didn't purchase enough coverage. The ultimate goal is to find the BEST coverage for the lowest price.

Cheaper auto insurance is definitely available online as well as from independent agents in Denton, and you need to comparison shop both to have the best chance of lowering rates. Some companies don't offer online quoting and most of the time these smaller companies sell through independent agents.

Insureds who switch companies do it for any number of reasons including delays in paying claims, questionable increases in premium, high rates after DUI convictions and policy non-renewal. Regardless of your reason for switching companies, switching auto insurance companies is not as hard as you think.