Tightwads Tips for Saving on Montague Auto Insurance

Scraping up a payment for overpriced auto insurance can dwindle your checking account and force you to prioritize other expenses. Doing a price comparison is a great way to help make ends meet.

You have so many to buy insurance from, and although it's a good thing to have a selection, lots of choices makes it harder to compare rates.

It's important to price shop coverage quite often because prices are constantly changing. If you had the lowest price last year the chances are good that you can find a lower rate today. There is a lot of bad information regarding auto insurance on the internet, so I'm going to show you some great ways to save money.

This article will help you learn the best way to quote coverages and some tips to save money. If you have car insurance now, you will be able to cut costs considerably using these techniques. But Texas drivers do need to know how companies market on the web because it can help you find the best coverage.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically at the time of quoting, but a few must be asked for before you will receive the discount.

  • College Student - Youth drivers who are attending college without a vehicle on campus may be able to be covered for less.
  • Save over 55 - Mature drivers can possibly qualify for a discount up to 10%.
  • No Claims - Drivers who don't have accidents pay much less as compared to bad drivers.
  • Sign Online - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Memberships - Participating in a qualifying organization may earn a discount on auto insurance.
  • Pay Upfront and Save - By paying your policy upfront instead of paying each month you could save 5% or more.
  • Drive Less and Save - Keeping the miles down could be rewarded with a substantially lower rate.
  • Own a Home - Owning a house in Montague can save you money because of the fact that having a home shows financial diligence.
  • Government Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, companies wouldn't make money that way. But all discounts will bring down your premiums.

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

Montague auto insurance comparison

Free Quotes for Auto Insurance in Montague, Texas

There are multiple methods to compare auto insurance quotes, but one way is less time-consuming than others. You can waste a lot of time discussing policy coverages with insurance companies in Montague, or you could save time and use the web to achieve your goal.

Many insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and every company then gives them pricing. This prevents consumers from doing quotation requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The single downside to using this type of form is you cannot specify which carriers to receive prices from. So if you want to choose specific providers to compare rates, we have a page of auto insurance companies in Texas. View list of Texas insurance companies.

However you get your quotes, make darn sure you compare identical coverages with each company. If you are comparing different limits and deductibles on each one it will be impossible to make an equal comparison in Montague. Slightly different insurance coverages may result in large price differences. And when comparison shopping, comparing more company's prices helps locate lower pricing.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that may reward you with lower auto insurance prices.

The list below includes a partial list of the pieces that factor into rates.

  • Mature drivers pay less - Teen drivers in Texas tend to be more careless when driving so they pay higher auto insurance rates. Having to add a teen driver onto your auto insurance can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • Men fork out a little more - Statistics have proven that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. Women and men cause accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
  • Rates may be higher depending on your occupation - Jobs such as judges, social workers and financial analysts are shown to have higher average rates because of stressful work requirements and lengthy work days. Conversely, jobs such as pilots, engineers and the unemployed pay the least.
  • Being married is a good thing - Having a wife or husband actually saves money on auto insurance. It usually means you are more mature than a single person and it's proven that married drivers get in fewer accidents.
  • Don't sacrifice liability coverage - The liability section of your policy is the protection if ever a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.

Your personal situation dictates your coverage

When choosing the best auto insurance coverage for your personal vehicles, there isn't really a cookie cutter policy. Everyone's needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you would benefit from an agent's advice.

  • Why does it cost so much to insure a teen driver in Montague?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I getting all the discounts available?
  • What can I do if my company won't pay a claim?
  • Does my personal policy cover me when driving my company car?
  • Is my vehicle covered for flood damage?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

The auto insurance bait and switch

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. They all seem to have a common claim that you'll save big if you move your policy. How does each company make almost identical claims?

All companies have a preferred profile for the right customer that is profitable for them. For instance, a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and therefore will save when switching.

Potential insureds who don't measure up to these standards will have to pay more money and this can result in the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "everyone that quotes" save that kind of money. This is how companies can claim big savings.

Because of the profiling, drivers must get as many quotes as possible. It's impossible to know which insurance companies will give you the biggest savings.

Final considerations

When trying to cut insurance costs, never reduce coverage to reduce premium. There are many occasions where drivers have reduced collision coverage and learned later that it was a big mistake. Your aim should be to buy the best coverage you can find at a price you can afford.

Budget-conscious auto insurance is definitely available online in addition to many Montague insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Montague auto insurance comparison

Much more information about auto insurance in Texas is located on the website for the Texas Department of Insurance located here. Texas consumers can read enforcement actions against agents and companies, learn about insurance regulations, read industry bulletins, and get help finding coverage.