Proven Techniques to Save on Lorenzo Car Insurance

Have you had enough of not being able to afford each month for car insurance? You are no different than many other Texas consumers.

Multiple compete to insure your vehicles, so it's not easy to compare every to get the lowest rate

Save big with these discounts

Car insurance companies don't always list every discount in an easy-to-find place, so the following is a list of both the well known and the more hidden discounts you could be receiving.

  • Claim Free - Claim-free drivers pay less when compared to bad drivers.
  • Student Driver Training - Have your child successfully complete driver's ed class in high school.
  • Defensive Driving Course - Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Low Mileage Discounts - Keeping the miles down could qualify for a substantially lower rate.
  • Paperwork-free - A handful of insurance companies may give you up to $50 just for signing your application on their website.

Keep in mind that some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, it just doesn't work that way.

To see a list of insurance companies with the best car insurance discounts in Lorenzo, click here.

Fast and Easy Lorenzo Car Insurance Quotes

There are several ways of comparing rates and find the best price. The best method to find the cheapest insurance rates is to get quotes online. This can be done in just a few minutes using one of these methods.

  • The best way to find low rates is to use a rate comparison form click to view form in new window. This type of form keeps you from doing separate quote forms to each individual car insurance company. Taking the time to complete one form will return price quotes from many national carriers.
  • A slightly less efficient method to get quotes online consists of visiting the website of each company and fill out their own quote form. For examples sake, let's say you want rates from , and . To find out each rate you need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

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

However you get your quotes, double check that you are using the exact same deductibles and coverage limits for each comparison quote. If the quotes have different values for each quote it will be next to impossible to determine the lowest rate in Lorenzo. Slightly different limits may result in large price differences. It's important to know that comparing more company's prices will increase your chances of finding better pricing.

Tips to Get Lower Lorenzo Rates

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for car insurance. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to big savings.

The list below includes some of the items used by your company to calculate prices.

  • Rates may be lower depending on your job - Careers like real estate brokers, social workers and accountants have higher rates than average attributed to high stress and lots of time spent at work. On the flip side, professions such as farmers, athletes and the unemployed get better rates.
  • More claims means more premium - If you are a frequent claim filer, you can definitely plan on higher rates. Companies in Texas generally give better rates to drivers who do not file claims often. Insurance coverage is intended for major claims that would cause financial hardship.
  • Optional equipment can affect rates - Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder auto theft.
  • Extra add-on coverages are wasting money - There are a lot of extra bells and whistles that can waste your money when buying car insurance. Coverages like roadside assistance, accident forgiveness and additional equipment coverage are some examples. These coverages may sound good at first, but now you might not need them so get rid of them and save.
  • Sex matters - The statistics show that men are more aggressive behind the wheel. However, don't assume that women are BETTER drivers than men. They both tend to get into accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like DUI and reckless driving.
  • Drive a safer car and pay less - Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.
  • Being married is a good thing - Getting married actually saves money on car insurance. Having a significant other translates into being more mature and it's statistically proven that drivers who are married are more cautious.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO regularly use ads on TV and radio. They all have a common claim that you can save if you move your coverage to them. How do they all claim to save you money?

All the different companies can use profiling for the type of customer that is profitable for them. A good example of a driver they prefer might be between the ages of 30 and 50, has no tickets, and has great credit. Any driver that hits that "sweet spot" will get the preferred rates and most likely will cut their rates substantially.

Consumers who fall outside the "perfect" profile will be quoted higher prices and this can result in the customer not buying. The ads state "people who switch" not "people who quote" save that much money. That's why insurance companies can advertise the savings. This emphasizes why drivers must get as many comparisons as possible. You cannot predict the company that will fit your personal profile best.

Do the work, save more money

Affordable car insurance is possible both online as well as from independent agents in Lorenzo, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don't offer the ability to get a quote online and these small insurance companies work with independent agents.

We just presented a lot of techniques to compare car insurance prices online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the lowest rates come from a company that doesn't do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like .

compare Lorenzo car insurance rates

More Texas car insurance information

Additional detailed information can be read at the Texas Department of Insurance website. Visitors are able to read industry bulletins, download brochures, view a list of available companies, and discover disciplinary actions.