Tightwads Tips for Saving on Hemphill Car Insurance

Having to pay for overpriced car insurance can empty your checking account, especially in this economy. Comparing price quotes is a smart way to help make ends meet. Drivers have multiple to buy insurance from, and although it's a good thing to be able to choose, it can be more challenging to compare rates.

It's important to compare prices quite often since rates are constantly changing. Just because you had the best price on your last policy you can probably find a better price now. Block out anything you think you know about car insurance because we're going to demonstrate the proper way to get good coverage at a lower rate.

Pricing affordable coverage in Hemphill is quite easy. If you have insurance now or are shopping for new coverage, you will benefit by learning to find better prices and still get good coverage. Texas drivers only need an understanding of the most effective way to compare rates online.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Knowing what determines base rates enables informed choices that may reward you with lower car insurance prices.

Your spouse saves you money - Having a spouse can actually save you money when buying car insurance. It means you're more mature and responsible and it's proven that married drivers get in fewer accidents.
With age comes lower rates - Young drivers in Texas are statistically proven to be more careless when driving so they pay higher car insurance rates. Parents adding a youthful driver to your car insurance policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Tickets mean higher rates - Careful drivers have lower premiums than bad drivers. Just one citation can boost insurance rates by as much as thirty percent. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
Are you male or female? - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Women and men have accidents in similar percentages, but the males cause more damage. They also get cited for more serious violations such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high car insurance rates.
More than one policy can earn a discount - Most companies will give a discount to policyholders who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to comparison shop to ensure the best deal.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be inquired about prior to getting the savings. If you're not getting every credit you deserve, you are paying more than you should be.

Sign Online - Certain companies will give a small break simply for signing over the internet.
New Car Discount - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
Good Student Discount - This discount can get you a discount of up to 25%. This discount can apply until age 25.
Accident Waiver - Certain companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
Discount for Life Insurance - Larger companies have a discount if you purchase a life insurance policy as well.
Drive Less and Save - Driving fewer miles can earn lower rates on the low mileage vehicles.
College Student - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.

Consumers should know that most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, companies don't profit that way. Any qualifying discounts will bring down the amount you have to pay.

To choose companies offering car insurance discounts in Texas, follow this link.

Save $429 a year? Really?

Consumers can't ignore all the ads for car insurance savings by State Farm, GEICO and Progressive. They all seem to say the same thing of big savings if you switch to their company.

How does each company make the same claim?

All companies have a preferred profile for the driver that makes them money. For example, a desirable insured could be a mature driver, insures multiple vehicles, and has great credit. Any new insured who fits that profile receives the best rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will have to pay a more expensive rate which usually ends up with business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. This is how insurance companies can confidently advertise the savings.

Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

Insurance agents can help

When buying the right insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different and a cookie cutter policy won't apply. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

Does medical payments coverage apply to all occupants?
Should I file a claim if it's only slightly more than my deductible?
Do I need to file an SR-22 for a DUI in Texas?
Does my policy cover me when driving someone else's vehicle?
Do I need special endorsements for business use of my vehicle?
I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Additional car insurance information can be found on the website for the Texas Department of Insurance located here. Consumers can get help finding coverage, read enforcement actions against agents and companies, file complaints about a company, and learn about insurance regulations.

And the best car insurance company is...

Cost effective car insurance is available from both online companies and also from your neighborhood Hemphill agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, never buy poor coverage just to save money. In many cases, drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at a price you can afford.

You just learned a lot of tips how to save on car insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with a small local company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like .