Top Ways to Save on New Braunfels Auto Insurance

Tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as the majority of other car owners in Texas.

Online insurance companies like State Farm, Allstate, GEICO and Progressive all claim big savings with TV and radio ads and it can be hard to sift through the bull and take the time to shop coverage around.

It's important to get comparison quotes once or twice a year since insurance rates are constantly changing. Just because you found the lowest rates a few years ago you can probably find a lower rate today. So just forget all the misinformation about auto insurance because it's time to teach you the tricks you need to know to save on auto insurance.

Texas auto insurance quotes

How to Compare Auto Insurance Costs in New Braunfels

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

  • The recommended way consumers can analyze rates is to use a rate comparison form click to view form in new window. This method prevents you from having to do repetitive form entry to each individual auto insurance company. Taking the time to complete one form gets you price quotes direct from many companies.
  • A less efficient way to get quotes online requires a trip to the website for each individual company to complete their respective quote request forms. For example, let's say you want rates from , and . To find out each rate you need to visit each site to input your insurance information, and that's why the first method is more popular. To view a list of companies in New Braunfels, click here.
  • The least efficient way of getting rate comparisons is driving to and from local New Braunfels insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you have a need for the trained guidance only provided by licensed New Braunfels agents. You can, however, get the lowest quotes online and still use a local agent and we'll touch on that later.

Whichever way you use, double check that you are using exactly the same quote information on every quote you get. If you have mixed coverages you will not be able to determine which rate is truly the best in New Braunfels. Just a small difference in coverages could mean much higher rates. It's important to know that having more price comparisons will increase your chances of finding a better price.

Save big with these discounts

The price of auto insurance can be rather high, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be manually applied before you get the savings.

  • New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Memberships - Affiliation with a civic or occupational organization could qualify you for a break on auto insurance.
  • Drivers Ed for Students - Have your child complete a driver education course if offered at their school.
  • No Claims - Claim-free drivers can save substantially as compared to bad drivers.
  • One Accident Forgiven - A handful of insurance companies will allow you to have one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, auto insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

To see a list of companies with discount auto insurance rates in New Braunfels, follow this link.

More Texas auto insurance information

Additional information can be found on the website for the Texas Department of Insurance. Click here for link. Texas drivers can file complaints about an insurance agent or broker, view a list of available companies, find out which companies have the most complaints, and download brochures.