Finding Cheap Panhandle Auto Insurance

No one in their right mind looks forward to buying auto insurance, particularly when the cost is too high.

Drivers have multiple to buy insurance from, and though it is a good thing to have a selection, it can be more challenging to compare rates.

It's important to take a look at other company's rates occasionally because prices are constantly changing. If you had the best rates a year ago you can probably find a lower rate today. There is too much inaccurate information about auto insurance online but we're going to give you some great ways to find affordable auto insurance.

Choosing the best insurance company for you in Panhandle is easy if you know what you're doing. Essentially everyone who is required by state law to have auto insurance will be able to cut their insurance bill. But Texas consumers do need to know how big insurance companies determine prices.

Panhandle auto insurance quote

Finding Auto Insurance in Panhandle, TX

Most companies like Allstate and Progressive give coverage prices online. This process is pretty painless as you simply enter your coverage preferences into the quote form. When the form is submitted, the system will obtain your credit score and driving record and gives you a price quote determined by many factors. Being able to quote online helps simplify price comparisons, but the process of having to visit different websites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to do this in order to get a lower rate.

The easy way to compare rates

A quicker way to get multiple rate quotes uses one form to return rates from more than one company. It's a real time-saver, reduces the work, and makes online price comparison much easier to do. After your information is entered, your coverage is rated and you are able to buy any one of the quotes returned. If you find a better price you can click and sign and purchase coverage. This process can be completed in less than 10 minutes and may result in a nice savings.

To find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you replicate the limits and deductibles identical to your current policy. This ensures you're receiving a price comparison for similar insurance coverage.

More discounts equal less premium

Companies that sell car insurance don't list every available discount very clearly, so the following is a list of both the well known and also the lesser-known auto insurance savings.

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Resident Student - Children living away from home attending college without a vehicle on campus may be able to be covered for less.
  • E-sign - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • Senior Citizens - Mature drivers can possibly qualify for better auto insurance rates.
  • More Vehicles More Savings - Having multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
  • No Accidents - Good drivers with no accidents pay less compared to bad drivers.
  • Defensive Driving Course - Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.

Consumers should know that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think you can get free auto insurance, companies don't profit that way.

To see a list of providers with the best auto insurance discounts in Texas, follow this link.

It's not one size fits all

When choosing coverage for your vehicles, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. Here are some questions about coverages that might point out if you might need professional guidance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • Why does it cost so much to insure a teen driver in Panhandle?
  • Does medical payments coverage apply to all occupants?
  • Should I buy additional glass protection?
  • Do I have any recourse if my insurance company denies a claim?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

More detailed Texas auto insurance information can be read at the Texas Department of Insurance website. Visitors are able to find out industry alerts, read consumer alerts, view a list of available companies, and read enforcement actions against agents and companies.