6 Discounts Graham Drivers Forget when Shopping for Car Insurance

Finding lower rates for Graham car insurance is a challenge for consumers new to buying insurance online. You have so many options available that it can quickly become a challenge to compare prices in Graham.

Don't pay full price with these six discounts

Insurance can be prohibitively expensive, but there could be available discounts to help offset the cost. Some trigger automatically at quote time, but a few need to be asked about in order for you to get them. If you don't get every credit available, you are throwing money away.

  • Service Members Pay Less - Being on active duty in the military can result in better rates.
  • No Accidents - Claim-free drivers can save substantially when compared with drivers who are more careless.
  • Sign Early and Save - Select companies give a discount for switching to them prior to your current policy expiring. It can save you around 10%.
  • Life Insurance - Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Student in College - Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • 55 and Retired - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will help reduce your premiums.

car insurance in Graham

The car insurance bait and switch

Consumers get pounded daily by advertisements for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies make an identical promise about savings if you move to their company.

But how can every company make the same claim? This is how they do it.

All the different companies can use profiling for the driver that earns them a profit. For example, a profitable customer could be between 25 and 40, is a homeowner, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will save a lot of money.

Potential insureds who don't measure up to this ideal profile must pay more money and ends up with business going elsewhere. The ad wording is "drivers who switch" not "everyone that quotes" save that much. That's why companies can truthfully advertise the way they do.

This illustrates why drivers should get quotes from several different companies. It's just too difficult to predict the company that will provide you with the cheapest rates.

Learn more today

Additional information can be found on the Texas Department of Insurance website. Click here for link. Consumers can find disaster information, read industry bulletins, and file complaints about a company.

Also read more on this page for car insurance prices in Texas and this page of Graham insurance agents.

A tidy conclusion

Cheaper car insurance is possible from both online companies and also from your neighborhood Graham agents, so you should compare both in order to have the best chance of saving money. Some car insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

People who switch companies do it for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, unfair underwriting practices and even high prices. Regardless of your reason, switching car insurance companies is less work than it seems.

You just learned many tips how you can reduce car insurance prices online. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the most savings is with a lesser-known regional company.