Edgewood Auto Insurance For Less Than You're Paying Now

Are you intimidated by the wide range of auto insurance company choices in Edgewood? Many other drivers are as well. People have so many choices that it can turn into more work than you anticipated to find the lowest price.

It's important to get comparison quotes every six months since insurance rates are constantly changing. Just because you had the best rates last year you may be paying too much now. There is a lot of bad advice regarding auto insurance online but I'm going to show you some great ways to slash your auto insurance rates.

If you have insurance now or need a new policy, you can use these techniques to shop for the lowest rates while maximizing coverage. The purpose of this post is to help educate you on the most effective way to quote insurance and some tips to save money. Texas consumers only need to know the most efficient way to buy auto insurance online.

How to Compare Auto Insurance in Edgewood, Texas

Most major insurance companies provide insurance quotes on the web. Getting online quotes doesn't take much effort as you just type in the coverages you want as detailed in the form. Behind the scenes, their system will obtain your credit score and driving record and quotes a price based on these and other factors.

Online quotes makes it a lot easier to compare rates but having to visit many different websites and complete many quote forms is repetitive and time-consuming. But it's very important to have as many quotes as possible if you want to find the best price on auto insurance.

A less time-consuming method to lower your rates requires only one form that gets price quotes from multiple companies. The form is fast, reduces the work, and makes quoting online a lot less work. After sending your information, it gets priced and you can choose your choice of the returned quotes. If a lower price is quoted, it's easy to complete the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To quickly find out if lower rates are available, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you complete the form with the insurance coverages as close as possible to your current policy. This way, you will receive a fair comparison based on similar coverages.

Understand what determines the rate you pay

It's important that you understand the different types of things that go into determining auto insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with big savings.

Listed below are some of the items that factor into rates.

  • Pay less if you're married - Getting married can actually save you money on your policy. It usually means you are more responsible and it's proven that being married results in fewer claims.
  • Do you know your deductibles? - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are a windshield shattered by a rock, vandalism, and rolling your vehicle. Deductibles for physical damage are how much you are willing to pay before your auto insurance pays a claim. The more expense the insured has to pay upfront, the less your auto insurance will be.
  • Clean credit earns discounts - Credit score is a important factor in calculating your auto insurance rates. If your credit is lower than you'd like, you could be paying less to insure your by improving your credit score. Consumers who have high credit scores tend to be less risk to insure than drivers who have poor credit.
  • High numbers of claims are not good - Car insurance companies in Texas award cheaper rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Where you reside plays a part - Choosing to live in less populated areas can be a good thing when buying auto insurance. Less people living in that area means reduced accidents and a lower car theft rate. Drivers in populated Texas areas tend to have much more traffic to deal with and longer commute times. Longer commute distances can result in more accidents.
  • Allowing your policy to lapse raises rates - Allowing your auto insurance policy to lapse is a fast way to increase your auto insurance rates. And not only will your rates increase, failure to provide proof of insurance might get you a revoked license or a big fine.

Are you getting all your discounts?

Companies don't always publicize all their discounts in a way that's easy to find, so the following is a list of some of the best known as well as the least known savings tricks you should be using. If you aren't receiving every discount possible, you're just leaving money on the table.

  • Sign Online - A handful of insurance companies give back up to $50 for buying your policy digitally online.
  • Homeowners Discount - Owning a house in Edgewood can help you save on auto insurance because owning a home demonstrates responsibility.
  • Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course in school.
  • 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%.
  • Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you won't be that lucky.

For a list of companies offering auto insurance discounts in Edgewood, click here to view.

Even more information can be read at the Texas Department of Insurance website. Texas drivers can get help finding coverage, report car insurance fraud, and find out industry alerts.

Best coverage at the best price

The cheapest auto insurance is available on the web in addition to many Edgewood insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not provide online quoting and most of the time these small insurance companies sell through independent agents.

In this article, we covered some good ideas how you can lower your auto insurance rates. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest rates come from a small local company.

People switch companies for a number of reasons such as an unsatisfactory settlement offer, lack of trust in their agent, poor customer service and extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.