Tightwads Guide to Saving on La Joya Car Insurance

Having to pay for overpriced car insurance can empty your bank account and force you to prioritize other expenses. Comparing price quotes is free and is an excellent way to tighten up your finances.

Because you have many car insurance companies to choose from, it's nearly impossible to find the lowest cost insurance company.

This information will help educate you on the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you should be able to cut costs considerably using this information. Nevertheless, Texas consumers do need to know the way companies market on the web because it can help you find the best coverage.

Why some people pay less for insurance in La Joya

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.

The list below includes a partial list of the pieces companies use to determine premiums.

Don't buy coverages you don't need - There are a lot of add-on coverages that you can get tricked into buying when buying car insurance. Things like vanishing deductibles, accidental death and motor club memberships may be wasting your money. They may seem good when you first buy your policy, but if you don't need them remove them from your policy.
High deductibles save money - Physical damage deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims would be colliding with a building, vandalism, or theft. The more you're willing to pay, the bigger discount you will receive.
Claim-free discounts can add up - If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Auto insurance companies in Texas give discounts to policyholders who file claims infrequently. Your insurance policy is intended for the bigger claims that can't be paid out-of-pocket.
Bad driving skills means higher rates - Good drivers have lower premiums than people who have multiple driving citations. Only having one citation can increase rates by as much as thirty percent. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
With age comes lower rates - Youthful drivers in Texas tend to get distracted easily when driving so car insurance rates are higher. Parents adding a teen driver to your policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and are safer drivers.
Multiple policies with one company can save - The majority of car insurance companies will award you with lower prices to insureds who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to comparison shop to make sure you are getting the best deal.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Certain discounts will be applied when you quote, but less common discounts must be asked for prior to getting the savings.

Fewer Miles Equal More Savings - Keeping the miles down could be rewarded with better rates on cars that stay parked.
Own a Home - Owning a home in La Joya may earn you a small savings because of the fact that having a home shows financial diligence.
Government Employees - Employees or retirees of the government could cut as much as 10% off depending on your company.
Good Student Discount - This discount can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
Student in College - Any of your kids who are attending college without a vehicle on campus can receive lower rates.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
Paperless Signup - A few companies may give you up to $50 simply for signing online.

It's important to understand that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

To choose insurers with the best car insurance discounts in Texas, click this link.

Is there truth in advertising?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies make the same claim of big savings if you move to them. But how can every company claim to save you money?

Insurance companies have a preferred profile for the type of driver that makes them money. For instance, a profitable customer might be between the ages of 30 and 50, insures multiple vehicles, and drives newer vehicles. Any driver who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile must pay a higher premium which leads to the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. This is how insurance companies can confidently claim big savings.

This illustrates why you should compare as many rates as you can. You cannot predict which insurance companies will give you the biggest savings.

For more Texas car insurance information

Additional car insurance information is located on the website for the Texas Department of Insurance located here. Visitors are able to discover disciplinary actions, report car insurance fraud, download brochures, and file complaints about a company.

Other informative sites include this resource for Texas car insurance prices and this page of La Joya insurance agents.

Final considerations

Low-cost car insurance is definitely available both online and with local La Joya insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, don't be tempted to buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability coverage limits only to discover later that it was a big mistake. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.