Tightwads Guide for Saving on Manvel Car Insurance

Overpriced car insurance can dwindle your bank account, especially in this economy. Shopping your coverage around is a great way to tighten up your finances. Companies like GEICO and Progressive continually bombard you with fancy advertisements and it can be hard to sift through the bull and take the time to shop coverage around.

Manvel Rates are Influenced by These Factors

Consumers need to have an understanding of the factors that go into determining the rates you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to big savings.

Listed below are some of the items car insurance companies consider when setting prices.

  • Your occupation can affect rates - Did you know your occupation can influence how much you pay for car insurance? Careers like real estate brokers, social workers and dentists tend to have the highest average rates because of high stress and lots of time spent at work. Other jobs such as pilots, historians and homemakers receive lower rates.
  • Are you male or female? - Statistics have proven women are more cautious behind the wheel. That doesn't necessarily mean that men are worse drivers. They both cause accidents at a similar rate, but the men cause more damage. Men also statistically get more serious tickets like DUI and reckless driving. Young males are most likely to cause an accident and are penalized with high car insurance rates.
  • Credit scores impact car insurance rates - Having a bad credit score is a important factor in determining what you pay for car insurance. Therefore, if your credit score is lower than you'd like, you could save money insuring your by improving your credit score. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with poor credit.
  • Teen drivers pay high rates - More mature drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel. Youthful drivers are statistically proven to be less responsible when driving and because of this, their car insurance rates are much higher.
  • Bad driving skills means higher rates - Careful drivers have lower premiums than bad drivers. Even a single speeding ticket can boost insurance rates by as much as thirty percent. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Choose a safe vehicle and save - Vehicles with good safety scores get lower rates. The safest vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders.

How to Lower Your Car Insurance Cost in Manvel, Texas

There are multiple methods to compare car insurance quotes, but some are less time-consuming than others. You can spend your afternoon talking about coverages with agents in Manvel, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Most of the larger companies enroll in a system that enables customers to only type in their quote data once, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing quote requests to each individual car insurance company. To submit your quote information now, click here to open in new window.

The one disadvantage to using this type of form is you can't choose which providers to get quotes from. So if you want to choose specific insurance companies for rate comparison, we have assembled a list of car insurance companies in Texas. Click here for list of insurance companies in Texas.

Whichever method you choose, ensure you are comparing exactly the same coverages and limits with each company. If each company quotes different deductibles it's impossible to make an equal comparison in Manvel.

Don't pay full price with these discounts

Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. Certain discounts will be applied at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount. If you aren't receiving every discount you deserve, you are paying more than you should be.

  • No Accidents - Drivers who don't have accidents pay less when compared to accident-prone drivers.
  • Accident Waiver - A handful of insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Passive Restraint Discount - Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.
  • Government Employees - Employees or retirees of the government may qualify you for a discount with a few car insurance companies.
  • Distant Student - Youth drivers living away from home attending college and do not have a car may be able to be covered for less.

Keep in mind that some credits don't apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, it just doesn't work that way. But any discount will reduce your premiums.

To choose insurance companies offering car insurance discounts in Manvel, click here.

The car insurance bait and switch

Consumers in Texas can't ignore all the ads for car insurance savings by Progressive, Allstate and GEICO. They all have a common claim that you can save if you switch to their company.

How can each company claim to save you money?

All the different companies have a preferred profile for the driver that makes them money. A good example of a driver they prefer might be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver that hits that "sweet spot" will qualify for the lowest rates and therefore will save when they switch companies.

Potential insureds who don't measure up to the requirements will be quoted more money and this can result in the customer not buying. The ad wording is "customers that switch" not "everyone that quotes" save that much. This is how insurance companies can advertise the way they do.

This emphasizes why you need to get as many comparisons as possible. You cannot predict which insurance companies will provide you with the cheapest rates.

More information can be read on the website for the Texas Department of Insurance located here. Visitors are able to read industry bulletins, learn about insurance regulations, find out industry alerts, and read enforcement actions against agents and companies.

In the end, you save

Affordable car insurance is available both online and also from your neighborhood Manvel agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies may not provide online price quotes and these small insurance companies work with independent agents.

We just presented a lot of ways to compare car insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the lowest rates come from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as .