7 Ways to Save on Car Insurance in Scurry Texas

No one likes having to buy car insurance, particularly when they are paying too much. There are many to pick from, and although it's a good thing to have a selection, it makes it harder to compare rates.

compare Scurry car insurance rates

Automobile Insurance Quotes in Scurry, TX

Effectively comparing car insurance prices can take time and effort if you aren't aware of the most efficient way to do it. You can spend countless hours driving to insurance agencies in Scurry, or you can utilize the internet to get prices fast.

The majority of car insurance companies participate in an industry program that allows shoppers to enter their coverage request one time, and each participating company provides a quote. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to doing it this way is you are unable to specify the providers to get quotes from. If you would rather choose individual companies to compare, we put together a list of low cost car insurance companies in Texas. Click to view list.

It's up to you how you get prices quotes, just make absolute certain that you use identical coverage information for each price quote. If you are comparing unequal deductibles or liability limits it will be impossible to truly determine the lowest rate in Scurry.

Be sure to get all your discounts

Insuring your fleet can be pricey, but there are discounts available to cut the cost considerably. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be requested specifically before you will receive the discount. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Military Rewards - Having a family member in the military may qualify for rate reductions.
  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Distant Student - Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Multiple Policy Discount - When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • Good Student - A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
  • Multiple Vehicles - Buying insurance for multiple vehicles on the same car insurance policy could earn a price break for each car.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

To see a list of insurance companies who offer car insurance discounts in Texas, click this link.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different so this has to be addressed. For example, these questions might point out whether or not you would benefit from professional advice.

  • Am I covered when pulling a rental trailer?
  • Do I need PIP (personal injury protection) coverage in Texas?
  • Do I pay less if my vehicle is kept in my garage?
  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Should I buy only the required Texas minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Additional information is available on the website for the Texas Department of Insurance through this link. Visitors are able to view a list of available companies, read consumer alerts, read enforcement actions against agents and companies, and view agent and company licensing information.

Additional helpful sites include this page for car insurance prices in Texas and this page of Scurry insurance agents.