Free Guide to Paying Less for Goliad Auto Insurance Online

Having to pay for overpriced auto insurance can overdraw your savings account and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Big companies like State Farm, Allstate, GEICO and Progressive promote their brand names with advertising and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to check auto insurance prices yearly because insurance rates are constantly changing. If you had the best deal a few years ago a different company probably has better rates today. So just ignore everything you know about auto insurance because you're about to learn the proper way to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you will most likely be able to save some money using this information. Finding affordable coverage in Goliad is not that difficult. Although Texas drivers do need to know how the larger insurance companies market on the web and take advantage of how the system works.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but some must be manually applied before you get the savings.

  • College Student - Kids in college who live away from home without a vehicle on campus can receive lower rates.
  • Discount for New Cars - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Accident Free - Drivers who don't have accidents can earn big discounts as compared to drivers who are more careless.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Defensive Driving Course - Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
  • Passive Restraints and Air Bags - Factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Seat Belts Save - Buckling up and requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. The majority will only reduce 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, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

Goliad auto insurance comparison

What determines how much you pay?

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Older drivers pay less - More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Teen drivers tend to be more careless when driving and because of this, their auto insurance rates are much higher.
  • Drive less and save money - The more you drive in a year's time the more you will pay for auto insurance. Most companies apply a rate based upon how you use the vehicle. Cars and trucks used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your auto insurance policy is rated on the correct driver usage, because it can save money.
  • Rates may be higher depending on your occupation - Jobs such as doctors, business owners and dentists tend to pay the highest average rates in part from high stress levels and long work days. Other occupations like pilots, historians and the unemployed have the lowest average rates.
  • Lower rates with optional equipment - Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Policy add-ons can waste money - There are a lot of add-on coverages that you can buy on your auto insurance policy. Insurance for vanishing deductibles, towing coverage and motor club memberships may be costing you every month. These may sound like a good investment when talking to your agent, but if you don't need them eliminate the coverages to reduce your premium.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured's situation is different so your insurance should reflect that For example, these questions can help discover whether or not you will benefit from professional help.

  • Do I pay less if my vehicle is kept in my garage?
  • Can I still get insurance after a DUI?
  • What companies insure drivers after a DUI or DWI?
  • Is rental equipment covered for theft or damage?
  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my cargo covered for damage or theft?

If you're not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Is there truth in advertising?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to make an identical promise about savings if you move to them. How can each company make almost identical claims? This is how they do it.

Insurance companies have a preferred profile for the type of driver that earns them a profit. An example of a desirable insured could possibly be between the ages of 40 and 55, has no prior claims, and has a short commute. A driver who meets those qualifications gets the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who don't measure up to the requirements will have to pay a higher premium and ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save money. This is how companies can truthfully make the claims of big savings.

Because of the profiling, drivers should get quotes from several different companies. It is impossible to predict which insurance companies will fit your personal profile best.

Learn more about auto insurance in Texas

Additional information is available on the website for the Texas Department of Insurance. Click here for link. Texas consumers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, read industry bulletins, and view a list of available companies.

Texas auto insurance quotes

Affordable insurance is out there

As you shop your coverage around, it's not a good idea to skimp on coverage in order to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find for the lowest price.

The cheapest auto insurance is definitely available online and with local Goliad insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.