Free Guide to Spending Less for Rusk Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you there are many people just like you.

Because you have many online and local companies to choose from, it's difficult to pick the best company.

It's important to compare prices every six months because insurance rates are constantly changing. Even if you got the best deal a couple years back the chances are good that you can find a lower rate today. So just block out anything you think you know about auto insurance because you're about to learn the only way to find lower rates on auto insurance.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that many people don't even know exist. Most are applied when you purchase, but lesser-known reductions have to be asked about before being credited.

Save over 55 - Mature drivers may qualify for a small decrease in premiums.
Multi-car Discount - Having more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Drive Less and Save - Driving fewer miles can qualify you for lower rates on the low mileage vehicles.

It's important to note that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you're out of luck. But any discount will help reduce your premiums.

To see a list of companies offering auto insurance discounts in Texas, follow this link.

How to Compare Auto Insurance Quotes in Rusk, Texas

There are multiple methods to compare auto insurance prices but some are more efficient than others. You can waste a lot of time driving to agents in Rusk, or you could save time and use online quotes to get the quickest rates.

Many insurance companies belong to a marketplace that enables customers to send in one quote, and at least one company then gives them pricing based on the submitted data. This eliminates the need for repetitive form submissions to each individual auto insurance company. To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is that you can't choose which carriers to receive prices from. If you prefer to choose specific insurance companies for rate comparison, we have assembled a list of auto insurance companies in Texas. Click here for list of insurance companies in Texas.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverage limits and deductibles for each comparison quote. If each company quotes different liability limits it's not possible to determine the lowest rate in Rusk. Just a small difference in limits can result in a big premium difference. Just remember that comparing a large number of companies provides better odds of finding the best rates.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with big savings.

Listed below are some of the factors used by your company to calculate rates.

Mature drivers pay less - Teen drivers in Texas are statistically proven to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.
Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be a windshield shattered by a rock, vandalism, and burglary. Your deductibles are how much you are willing to pay in the event of a claim. The more money you have to pay, the less your auto insurance will be.
Do you know you're credit rating? - Credit score is a important factor in calculating your auto insurance rates. Therefore, if your credit history is lower than you'd like, you could pay less to insure your by improving your rating. People with high credit scores tend to be more responsible than those with poor credit.
One company can mean more discounts - Most companies will give a discount to customers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you still need to compare rates to verify if the discount is saving money. You may still be able to find a better deal by splitting coverages up.
Choose a safe vehicle and save - Vehicles with good safety scores are cheaper to insure. These vehicles protect occupants better and lower injury rates means lower claim amounts passed on to you as lower rates.
Liability insurance protects assets - Liability insurance provides coverage if ever a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.

The auto insurance bait and switch

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to say the same thing that you can save if you switch your coverage to them. But how can every company make almost identical claims?

All the different companies are able to cherry pick for the type of customer that is profitable for them. An example of a desirable insured could possibly be over the age of 40, has no driving citations, and drives less than 10,000 miles a year. A driver who fits that profile will qualify for the lowest rates and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everyone that quotes" save that much money. That's the way insurance companies can advertise the way they do.

Because of the profiling, drivers must compare as many rates as you can. It is impossible to predict which auto insurance company will provide you with the cheapest rates.

Shop smart and save

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There are many occasions where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford.

Lower-priced auto insurance can be found online as well as from independent agents in Rusk, and you need to comparison shop both in order to have the best price selection to choose from. Some auto insurance companies don't offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Learn more about Texas auto insurance

More information is available on the website for the Texas Department of Insurance located here. Texas consumers can read enforcement actions against agents and companies, report car insurance fraud, find out industry alerts, and read consumer alerts.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Rusk.