Freer Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the dozens of auto insurance options in Freer? You're not the only one! There are so many companies to choose from that it can turn into a real hassle to find the best price.

It's important to compare rates at least once a year because prices are constantly changing. Even if you got the lowest price on your last policy you can probably find a better price now. Ignore everything you know about auto insurance because we're going to demonstrate the only way to find the best coverage while lowering your premiums.

Finding affordable coverage in Freer is quite easy. In a nutshell, every driver who has to buy auto insurance will most likely be able to reduce their rates. Nevertheless, Texas drivers do need to know how the larger insurance companies price online insurance because it can help you find the best coverage.

You have some control over your rates

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. Knowing what determines base rates enables informed choices that may reward you with much lower annual insurance costs.

  • Battle of the sexes - Statistics demonstrate that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Both sexes have accidents in similar numbers, but the males cause more damage. They also get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.
  • Policy add-ons can waste money - There are many extra coverages that you can buy on your auto insurance policy. Coverages for vanishing deductibles, towing coverage and term life insurance are some examples. They may seem good when talking to your agent, but if they're wasting money eliminate them to save money.
  • More than one policy can earn a discount - Most insurance companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it's in your best interest to comparison shop to ensure the best deal. You may still be able to find a better deal by buying auto insurance from a different company.
  • With age comes lower rates - Teen drivers in Texas are statistically proven to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
  • Adjust deductibles and save - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, damage from fire, or theft. The deductibles are how much you are willing to pay if you file a covered claim. The more you are required to pay out-of-pocket, the less your auto insurance will be.
  • Lower miles equals lower premium - The more miles you rack up on your car in a year the more you will pay for auto insurance. Most insurance companies apply a rate determined by how the vehicle is used. Cars used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your auto insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
  • Higher safety ratings means cheaper insurance - Vehicles with high crash test scores get lower rates. These vehicles reduce injuries and lower injury rates means lower claim amounts and thus lower rates.

Freer auto insurance comparison

Policy discounts you shouldn't miss

Auto insurance companies don't always list all their discounts very clearly, so we researched both well-publicized and the harder-to-find discounts you could be receiving.

  • Save over 55 - If you're over the age of 55, you may qualify for better auto insurance rates.
  • Defensive Driver - Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Multi-car Discount - Buying insurance for more than one vehicle with the same company qualifies for this discount.
  • Life Insurance Discount - Larger companies have a discount if you purchase life insurance.
  • Payment Discounts - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

It's important to understand that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it doesn't quite work that way.

To choose companies offering auto insurance discounts in Texas, click here.

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to have a common claim of big savings if you switch to their company. How does each company make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the driver that makes them money. For instance, a desirable insured could possibly be between the ages of 40 and 55, has no tickets, and has great credit. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards will have to pay more money and this can result in the driver buying from a lower-cost company. The ads state "drivers who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently advertise the savings. Because of the profiling, you should quote coverage with many companies. It's impossible to know which auto insurance company will fit your personal profile best.

Find out more about auto insurance

More tips and info about auto insurance is located at the Texas Department of Insurance website. Texas consumers can learn about insurance regulations, discover disciplinary actions, and read consumer alerts.

auto insurance in Freer

The best insurance company isn't always the cheapest

When you buy insurance online, it's very important that you do not buy poor coverage just to save money. There are many occasions where an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage for the lowest price.

Low-cost auto insurance can be found online and also from your neighborhood Freer agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

Drivers switch companies for any number of reasons including denial of a claim, questionable increases in premium, policy cancellation or even not issuing a premium refund. No matter why you want to switch, switching auto insurance companies is easier than you think.