Free Guide to Saving Money on Plainview Auto Insurance Online

Tired of scraping the payment together each month for car insurance? You are in the same boat as many other drivers in Texas.

Popular companies such as State Farm, Allstate, GEICO and Progressive promote their brand names with catchy ads and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you will be able to save some money using these methods. Buying car insurance in Plainview is quite easy. Nevertheless, Texas drivers do need to know how companies compete online and take advantage of how the system works.

Take advantage of discounts

Companies do not list all available discounts in a way that's easy to find, so here is a list both well-publicized as well as the least known discounts you could be receiving.

  • Clubs and Organizations - Participating in a civic or occupational organization may earn a discount when buying auto insurance.
  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Save over 55 - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.
  • Driver Safety - Completing a course in driver safety could save 5% or more if you qualify.
  • Discount for New Cars - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Seat Belt Usage - Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • No Accidents - Claim-free drivers can earn big discounts when compared with drivers who are more careless.

Consumers should know that some credits don't apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like it's possible to get free car insurance, companies don't profit that way.

Are auto insurance companies telling the truth?

Allstate, GEICO and Progressive continually stream ads on TV and radio. All the companies have a common claim of big savings after switching to their company. How can each company make almost identical claims?

All companies can use profiling for the driver that earns them a profit. An example of a profitable customer could possibly be between 25 and 40, has no tickets, and has excellent credit. A driver that hits that "sweet spot" will get the preferred rates and most likely will save when they switch companies.

Consumers who don't qualify for the requirements must pay higher rates and this can result in the driver buying from a lower-cost company. The ads state "customers that switch" not "people who quote" save that much. That's why insurance companies can confidently make those claims. This illustrates why you should get a wide range of price quotes. It is impossible to predict the company that will have the lowest rates.

More tips and info about auto insurance is available at the Texas Department of Insurance website. Texas consumers can find out which companies have the most complaints, view a list of available companies, learn about insurance regulations, and discover disciplinary actions.

compare Plainview auto insurance rates

Shop smart and save

Cost effective auto insurance can be bought online and also from your neighborhood Plainview agents, so you should compare both to get a complete price analysis. Some companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

While you're price shopping online, it's not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.