6 Methods to Save on Car Insurance in Grand Prairie Texas

Purchasing the most affordable Grand Prairie car insurance online is rather challenging for people who are new to online price comaprisons. When there are so many online companies available, how can you have a chance to compare them all to find the best available rates?

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be specially asked for before you get the savings. If you're not getting every credit you deserve, you are paying more than you should be.

  • Accident Free - Drivers who don't have accidents pay less when compared to accident-prone drivers.
  • Paperwork-free - A handful of insurance companies will give a small break for buying your policy over the internet.
  • Distant Student - Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Accident Waiver - Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Good Student Discount - This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.

As a disclaimer on discounts, some credits don't apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will bring down the cost of coverage.

To choose insurance companies who offer car insurance discounts in Texas, click here.

How can Progressive, Allstate and GEICO save drivers who switch?

Consumers can't ignore all the ads for car insurance savings by companies like Progressive, Allstate and GEICO. They all have a common claim about savings after switching to them.

How does each company make the same claim? This is how they do it.

All the different companies have a preferred profile for the type of driver that makes them money. A good example of a driver they prefer could be a mature driver, insures multiple vehicles, and chooses high deductibles. Any new insured that hits that "sweet spot" is entitled to the best price and as a result will probably save when switching.

Drivers who are not a match for these standards will be quoted a higher premium and this can result in business going elsewhere. The ads state "drivers who switch" not "everybody who quotes" save money. This is how companies can truthfully state the savings.

This emphasizes why you should quote coverage with many companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

For more Texas car insurance information

Additional information can be read on the Texas Department of Insurance website. Click here for link. Consumers can read industry bulletins, get help finding coverage, and read enforcement actions against agents and companies.

In the end, you save

Drivers change insurance companies for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, not issuing a premium refund or even denial of a claim. Regardless of your reason for switching companies, switching car insurance companies is easier than you think.

Cheap car insurance can be bought from both online companies and with local Grand Prairie insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not offer online price quotes and these small insurance companies work with independent agents.

When buying insurance coverage, never buy poor coverage just to save money. There are too many instances where drivers have reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage for the lowest price while still protecting your assets.