Top Ways to Save on Kaufman Auto Insurance

Are you tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as most other car owners in Texas. Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with advertising and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It's important to take a look at other company's rates before your policy renews since insurance rates are constantly changing. If you had the best rates six months ago you may be paying too much now. There is a lot of bad advice regarding auto insurance online, so I'm going to show you some great ways to slash your auto insurance rates.

Compare Kaufman Auto Insurance Costs

Getting better auto insurance pricing can be quick and easy. Just invest a few minutes to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way to get quotes for comparison is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating boring form submissions for each company you want a rate for. In just a few minutes this one form gets you coverage quotes from all major companies.

A harder way to compare rate quotes consists of going to the website for each individual company to complete a price quote. For example, we'll pretend you want rates from , and . To get each rate you have to visit each site to enter your coverage information, which is why most consumers use the first method.

To view a list of companies in Kaufman, click here.

Whichever method you choose, ensure you're using exactly the same coverages for every company. If you compare different limits and deductibles on each one it will be impossible to decipher which rate is best in Kaufman.

Texas auto insurance quotes

Kaufman Rates are Influenced by These Factors

It's important that you understand the factors that come into play when calculating auto insurance rates. Having a good understanding of what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

  • The more you drive the more you pay - The more you drive every year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based on their usage. Cars used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your auto insurance policy is rated on the correct driver usage.
  • Don't cancel a policy without a new one in place - Driving your car without having proper coverage can get your license suspended and auto insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, failure to provide proof of insurance may earn you a license revocation or jail time.
  • Rates may be higher depending on your occupation - Jobs such as real estate brokers, social workers and dentists tend to have the highest average rates attributed to high stress and long work days. Other professions such as farmers, historians and the unemployed receive lower rates.
  • Claim-free discounts can add up - Car insurance companies in Texas generally give cheaper rates to drivers who are claim-free. If you tend to file frequent claims, you can definitely plan on higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Older drivers save more - Mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Teenage drivers tend to be less responsible in a vehicle and because of this, their auto insurance rates are much higher.
  • Men fork out a little more - The statistics show women are more cautious behind the wheel. However, don't assume that men are worse drivers. Both sexes tend to get into accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like reckless driving and DUI.
  • A clean driving record saves money - Your driving citation history has a huge affect on how much you pay. Just one ticket can boost insurance rates twenty percent or more. Careful drivers receive lower rates than people who have multiple driving citations. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Bump up deductibles to save - Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, damage from fire, and windstorm damage. The deductibles are how much you are required to spend out-of-pocket before your auto insurance pays a claim. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance.

Take advantage of discounts

Companies offering auto insurance don't necessarily list all their discounts in a way that's easy to find, so the following is a list of some of the best known and the more hidden discounts you could be receiving. If you aren't receiving every discount available, you're just leaving money on the table.

  • New Vehicle Savings - Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Seat Belt Usage - Buckling up and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • No Accidents - Claim-free drivers pay less as compared to frequent claim filers.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course in high school.
  • Employee of Federal Government - Simply working for the federal government could cut as much as 10% off with select insurance companies.

It's important to note that some credits don't apply to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you're out of luck.

For a list of companies with the best auto insurance discounts in Kaufman, click here.

Additional detailed information can be read at the Texas Department of Insurance website. Texas drivers can file complaints about an insurance agent or broker, find a variety of consumer forms, read industry bulletins, and download brochures.

And the best car insurance company is...

As you restructure your insurance plan, it's not a good idea to reduce needed coverages to save money. In many instances, an accident victim reduced collision coverage and discovered at claim time that they should have had better coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate.

Lower-priced auto insurance is definitely available on the web and also from your neighborhood Kaufman agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.