7 Shopping Tips Shown to Lower Car Insurance Costs in Fairfield, TX

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you there are a lot of people in Fairfield just like you who feel imprisoned by their car insurance policy. There is such a variety of to buy insurance from, and although it's a good thing to have multiple companies, so many choices can make it hard to compare rates.

Be sure to get all your discounts

Companies that sell car insurance don't always list all available discounts very clearly, so we researched both the well known and the harder-to-find car insurance savings. If you're not getting every credit possible, you are throwing money away.

Clubs and Organizations - Being a member of a qualifying organization could qualify you for a break when buying car insurance.
Military Discounts - Having a deployed family member can result in better rates.
No Claims - Drivers with accident-free driving histories pay much less when compared with drivers who are more careless.
No Charge for an Accident - Certain companies will allow you to have one accident before your rates go up so long as you haven't had any claims for a certain period of time.
Save with a New Car - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
Federal Government Employee - Active or retired federal employment can earn a discount up to 10% depending on your company.
Student in College - Children who are attending college without a vehicle on campus can receive lower rates.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you could get a free car insurance policy, car insurance companies aren't that generous.

Is there truth in advertising?

Consumers in Texas get pounded daily by advertisements that promise big savings from companies such as Allstate, GEICO and Progressive. All the companies say the same thing about savings if you move your policy.

How does each company claim to save you money? This is how they do it.

Different companies are able to cherry pick for the right customer that earns them a profit. For instance, a profitable customer might be between the ages of 30 and 50, has no tickets, and has great credit. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards must pay higher prices which usually ends up with the customer not buying. The ad wording is "drivers who switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully advertise the savings. This illustrates why you should get quotes from several different companies. It's just too difficult to predict which car insurance company will fit your personal profile best.

Even more information is located at the Texas Department of Insurance website. Visitors are able to find out which companies have the most complaints, find disaster information, read industry bulletins, and get help finding coverage.

A tidy conclusion

Cheap car insurance is definitely available both online in addition to many Fairfield insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, never buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped collision coverage and learned later that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.