7 Ways You Can Buy Car Insurance for Less in Lumberton

Expensive car insurance can overdraw your checking account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

Lots of contend to insure your vehicles, and because of this it can be hard to compare and uncover the absolute lowest price

Don't pay full price with these seven discounts

Companies offering auto insurance don't list all available discounts in an easy-to-find place, so we researched both the well known and the harder-to-find ways to save on car insurance.

  • Driver Safety - Completing a defensive driving course could cut 5% off your bill if you qualify.
  • Auto/Life Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Paperless Signup - Certain companies may give you up to $50 for buying your policy on their website.
  • Multiple Vehicles - Having multiple vehicles on one policy qualifies for this discount.
  • Clubs and Organizations - Being a member of certain professional organizations could trigger savings when buying car insurance.
  • No Accidents - Drivers who don't have accidents pay much less when compared with drivers who are more careless.
  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it's possible to get free car insurance, car insurance companies aren't that generous.

car insurance in Lumberton

Your personal situation dictates your coverage

When it comes to buying the best car insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Everyone's situation is unique so this has to be addressed. Here are some questions about coverages that can help discover whether or not you could use an agent's help.

  • Should I rate my vehicle as pleasure use or commute?
  • What are the financial responsibility laws in Texas?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when driving on a suspended license?
  • Are rental cars covered under my policy?
  • What companies insure drivers after a DUI or DWI?
  • Are my tools covered if they get stolen from my vehicle?

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

The car insurance bait and switch

21st Century, Allstate and State Farm continually stream ads in print and on television. All the companies make the same claim about savings after switching to their company. How do they all claim to save you money? This is how they do it.

All companies have a preferred profile for the driver that earns them a profit. For instance, a profitable customer might be over the age of 40, has no prior claims, and has a short commute. Any new insured who matches those parameters will get the preferred rates and therefore will cut their rates substantially.

Drivers who don't measure up to the "perfect" profile must pay higher premiums which leads to the customer not buying. The ads state "drivers who switch" not "everyone that quotes" save that much. This is how companies can truthfully make the claims of big savings. This illustrates why drivers should get as many quotes as possible. It's just too difficult to predict which insurance companies will fit your personal profile best.

Even more information is located at the Texas Department of Insurance website. Visitors are able to discover disciplinary actions, file complaints about an insurance agent or broker, get help finding coverage, and report car insurance fraud.

Texas car insurance quotes

The best insurance company isn't always the cheapest

Cheap car insurance can be sourced both online and also from your neighborhood Lumberton agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, never skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.