6 Discounts Pantego Shoppers Forget when Shopping for Car Insurance

Are you overwhelmed by the crazy number of car insurance companies in Pantego? Many other drivers are as well. Consumers have so many choices that it can turn into a ton of work to find better rates.

It's important to compare rates at least once a year since rates are constantly changing. If you had the best price last year you will most likely find a better rate today. Forget all the misinformation about car insurance because you're about to find out one of the easiest ways to eliminate unnecessary coverages and save money.

More discounts equal less premium

Car insurance can cost a lot, but there could be available discounts to help offset the cost. Some discounts apply automatically at the time of purchase, but less common discounts must be asked for prior to receiving the credit. If you aren't receiving every discount possible, you are throwing money away.

  • Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Low Mileage - Keeping the miles down can earn better rates on cars that stay parked.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Auto/Life Discount - Some companies give better rates if you take out a life insurance policy as well.
  • Multi-policy Discount - If you have multiple policies with the same insurance company you may save up to 20% off your total premium.

Keep in mind that most discount credits are not given the the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. Just because it seems like all the discounts add up to a free policy, it just doesn't work that way. But any discount will reduce your premiums.

Texas car insurance

Switch companies and save? Really?

Consumers in Texas get pounded daily by advertisements that promise big savings by State Farm and Allstate. All the ads make the same claim that you can save if you move to their company.

How can each company claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the driver that earns them a profit. For example, a preferred risk might be over the age of 50, has no tickets, and drives newer vehicles. Any new insured who matches those parameters gets the lowest rates and therefore will save when they switch companies.

Potential customers who do not match the requirements will be charged higher prices which leads to the customer not buying. Company advertisements say "customers who switch" not "everyone that quotes" save that much. That's the way insurance companies can claim big savings.

That is why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will give you the biggest savings.

Find out more about car insurance

More information can be found on the Texas Department of Insurance website found here. Visitors are able to file complaints about a company, find disaster information, and download brochures.

car insurance in Pantego

In the end, you save

We just covered some good ideas how to reduce car insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Affordable car insurance is possible both online and also from your neighborhood Pantego agents, and you should be comparing both so you have a total pricing picture. A few companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Insureds who switch companies do it for a variety of reasons including poor customer service, delays in responding to claim requests, extreme rates for teen drivers and even unfair underwriting practices. It doesn't matter why you want to switch finding a new car insurance company is less work than it seems.