Proven Ways to Save on Parlin Auto Insurance

Expensive auto insurance can overdraw your checking account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Multiple compete for your business, and because of this it can be hard to compare to find the lowest price

It's important to compare prices yearly because insurance rates are constantly changing. Even if you think you had the best price last year there may be better deals available now. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to how to quote online to find the best coverage while lowering your premiums.

Parlin auto insurance quote

These discounts can lower your rates

Companies offering auto insurance don't always advertise every available discount in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

  • Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Life Insurance - Some companies give lower rates if you buy a life insurance policy as well.
  • Low Mileage - Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Club Memberships - Participating in certain professional organizations is a good way to get lower rates on your policy.
  • Multiple Cars - Buying coverage for all your vehicles on one policy qualifies for this discount.

It's important to note that most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you're out of luck.

For a list of providers with discount auto insurance rates in Parlin, click here to view.

Where Can I Get Cheap Parlin Auto Insurance?

Most major insurance companies such as Allstate and Progressive allow you to get price estimates online. Getting online rates is quite simple as you simply enter your required coverages as detailed in the form. Once entered, the company's rating system will obtain credit information and your driving record and gives you a price quote based on these factors. Quoting online streamlines rate comparisons, but the process of having to visit several different sites and complete many quote forms gets old quite quickly. But it's very important to perform this step in order to find better auto insurance pricing.

There is a better way!

A more efficient way to compare auto insurance pricing uses one simple form to return rates from a lot of companies. The form is fast, eliminates form submissions, and makes online price comparison much easier to do. After sending your information, it is rated with multiple companies and you can pick any of the quotes that you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

To save time and find out what other companies charge, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you input the insurance coverages exactly as shown on your declarations page. This helps ensure you're receiving comparison quotes based on identical coverages.

Different people need different coverages

When it comes to choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone's situation is unique so your insurance should reflect that For instance, these questions can help discover whether you might need professional guidance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Is my nanny covered when driving my vehicle?
  • Are rental cars covered under my policy?
  • Am I covered if I wreck a rental car?
  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you're not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

Final considerations

As you prepare to switch companies, never sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Lower-priced auto insurance is attainable online as well as from independent agents in Parlin, so compare prices from both to have the best selection. There are still a few companies who don't offer online quoting and many times these regional insurance providers only sell through independent insurance agents.