Easy Tips to Spend Less on Marion Auto Insurance
Are you overwhelmed by the wide range of auto insurance choices in Marion? You're not the only one! There are so many options available that it can turn into more work than you anticipated to find better rates.
Save big with these discounts
Auto insurance companies don't always publicize all available discounts very well, so the following is a list of both well-publicized and the more hidden ways to save on auto insurance.
- Fewer Miles Equal More Savings - Driving fewer miles could qualify for better rates on cars that stay parked.
- Defensive Driver - Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
- Early Signing - A few companies offer discounts for switching policies prior to your current policy expiring. This can save 10% or more.
- Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Clubs and Organizations - Participating in a professional or civic organization could trigger savings when buying auto insurance.
- Payment Discounts - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
As a disclaimer on discounts, most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren't that generous.
Auto insurance ads bend the truth
21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. All the companies make the same claim about savings if you switch your policy. But how can every company make almost identical claims?
Insurance companies are able to cherry pick for the right customer that earns them a profit. A good example of a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters is entitled to the best price and most likely will save a lot of money.
Potential insureds who fall outside this ideal profile must pay more money which leads to the driver buying from a lower-cost company. The ads state "people who switch" not "people who quote" save that kind of money. That's the way companies can truthfully advertise the way they do. This illustrates why you should quote coverage with many companies. It's impossible to know which auto insurance company will provide you with the cheapest rates.
Find out more about auto insurance
Even more information can be read at the Texas Department of Insurance website. Texas consumers can find disaster information, discover disciplinary actions, and file complaints about a company.
Also read more on this resource for Texas auto insurance prices and this page of Marion insurance agents.
Final considerations
Cheap auto insurance is available online in addition to many Marion insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.
You just read some good ideas how to reduce auto insurance prices online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a company that doesn't do a lot of advertising.
Insureds switch companies for many reasons like delays in responding to claim requests, questionable increases in premium, high prices and even policy cancellation. Whatever your reason, finding the right auto insurance provider is less work than it seems.
