Pilot Point Auto Insurance For Less Than You're Paying Now

Finding lower premiums on Pilot Point auto insurance is nearly impossible for consumers new to comparing rates online. You have so many options that it can quickly become more work than you anticipated to find lower rates in Pilot Point.

It's important to do rate comparisons before your policy renews because insurance rates are constantly changing. Even if you think you had the best price a couple years back you will most likely find a better rate today. Block out anything you think you know about auto insurance because you're about to learn how to quote online to eliminate unnecessary coverages and save money.

Take advantage of discounts

Car insurance is not cheap, but you may find discounts to help bring down the price. Certain discounts will be applied when you purchase, but a few need to be asked about before being credited. If you don't get every credit available, you are throwing money away.

Multi-policy Discount - If you have multiple policies with the same company you will save up to 20% off your total premium.
Accident Free - Claim-free drivers can save substantially compared to drivers who are more careless.
Safety Course Discount - Completing a course in driver safety could save 5% or more if you qualify.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.

Keep in mind that most discount credits are not given to the entire cost. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates it's possible to get free car insurance, it just doesn't work that way. But any discount will help reduce your overall premium however.

Are auto insurance companies telling the truth?

Texas consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Allstate and Progressive. All the ads make an identical promise that you can save if you change to them.

But how can every company make almost identical claims? It's all in the numbers.

All companies can use profiling for the type of driver that earns them a profit. For example, a preferred risk could possibly be between the ages of 30 and 50, is a homeowner, and drives less than 10,000 miles a year. A driver who meets those qualifications will qualify for the lowest rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will be charged higher prices and ends up with the driver buying from a lower-cost company. The ad wording is "customers who switch" not "people who quote" save money. That's why insurance companies can advertise the way they do.

That is why you should compare as many rates as you can. It is impossible to predict the company that will provide you with the cheapest rates.

More information can be found on the Texas Department of Insurance website found here. Texas consumers can read consumer alerts, read industry bulletins, and discover disciplinary actions.

Also read more on Wikipedia and this Pilot Point agent directory.

A tidy conclusion

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced physical damage coverage only to regret at claim time that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

People leave their current company for a variety of reasons including policy non-renewal, high rates after DUI convictions, questionable increases in premium and even policy cancellation. No matter why you want to switch, finding a new auto insurance company is less work than it seems.

Affordable auto insurance is attainable online and with local Pilot Point insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.