Free Guide to Saving Money on Houston Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, there are lots of people in the same boat.

Having so many companies to choose from, it can be challenging to locate the lowest price car insurance company.

This article will tell you how to effectively get price quotes and some money-saving tips. If you have car insurance now, you should be able to lower your premiums substantially using these methods. Nevertheless, Mississippi consumers do need to know the way companies market insurance on the web and apply this information to your search.

Take advantage of discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied at the time you complete a quote, but a few need to be manually applied prior to getting the savings.

Fewer Miles Equal More Savings - Low mileage vehicles can earn better rates on cars that stay parked.
Safety Course Discount - Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
Paperless Signup - Certain companies may give you up to $50 simply for signing online.
Multiple Cars - Insuring all your vehicles on one policy may reduce the rate for each vehicle.
Homeowners Discount - Owning a home in Houston may earn you a small savings because maintaining a house is proof that your finances are in order.
Claim Free - Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
Auto/Life Discount - Larger companies have a break if you buy a life insurance policy as well.

Consumers should know that many deductions do not apply the the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way. Any qualifying discounts will help reduce your overall premium however.

Are auto insurance companies telling the truth?

21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies make the same claim of big savings if you change your coverage to them. But how can every company claim to save you money?

All companies are able to cherry pick for the type of customer that earns them a profit. For example, a profitable customer might be between the ages of 30 and 50, has no tickets, and has a short commute. A customer getting a price quote who matches those parameters gets the lowest rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile must pay a more expensive rate which leads to the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that much money. That's the way insurance companies can confidently make the claims of big savings.

This illustrates why you should get a wide range of price quotes. It's impossible to know which auto insurance company will fit your personal profile best.

Additional auto insurance information can be found on the website for the Mississippi Insurance Department located here. Visitors are able to find disaster information, discover disciplinary actions, get help finding coverage, and find out which companies have the most complaints.

Also read more on this resource for Mississippi auto insurance prices and this page of Houston insurance agents.

Final considerations

Cost effective auto insurance is attainable both online as well as from independent agents in Houston, and you should compare price quotes from both to have the best rate selection. Some insurance providers don't offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.