9 Discounts Smiley Shoppers Forget when Shopping for Car Insurance

Having to pay for overpriced car insurance can take a big chunk out of your savings account and force you to make sacrifices. Comparing price quotes is a smart way to make sure you're not throwing money away. Drivers have multiple to buy insurance from, and although it's a good thing to be able to choose, it can be more challenging to compare rates.

Shopping for the cheapest car insurance coverage in Smiley is easy if you know what you're doing. If you are insured now or need new coverage, you will benefit by learning to find better prices while maintaining coverages. Texas drivers only need an understanding of the proper methods to get comparison quotes online.

compare Smiley car insurance rates

Take advantage of discounts

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. A few discounts will automatically apply when you purchase, but a few must be specially asked for before being credited. If you're not getting every credit you deserve, you are paying more than you should be.

  • Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Senior Citizens - If you're over the age of 55, you can possibly qualify for better car insurance rates.
  • Accident Waiver - Certain companies permit an accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Save with a New Car - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Air Bag Discount - Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
  • Low Mileage Discounts - Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.
  • Organization Discounts - Being a member of a qualifying organization could qualify you for a break when shopping for car insurance.
  • Defensive Driving Course - Completing a defensive driving course could cut 5% off your bill if your company offers it.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will bring down your overall premium however.

To choose insurance companies with the best car insurance discounts in Texas, follow this link.

Are car insurance companies telling the truth?

Consumers in Texas can't ignore all the ads for car insurance savings by State Farm, Allstate and GEICO. They all say the same thing of big savings if you move to their company.

How does each company claim to save you money?

All companies have a preferred profile for the driver that makes them money. For instance, a driver they prefer might be between 30 and 50, insures multiple vehicles, and chooses high deductibles. Any new insured who fits that profile gets the lowest rates and most likely will save when switching.

Consumers who don't qualify for these standards will be quoted higher prices which usually ends up with the customer not buying. The ads say "people who switch" not "people who quote" save that much. This is how insurance companies can confidently state the savings.

This emphasizes why you should get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

How to know if you need help

When buying the best car insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Is rental equipment covered for theft or damage?
  • Is my nanny covered when driving my vehicle?
  • Are rental cars covered under my policy?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

More sites with car insurance information

Additional car insurance information is located on the website for the Texas Department of Insurance through this link. Visitors are able to view a list of available companies, learn about insurance regulations, get help finding coverage, and read enforcement actions against agents and companies.

Smiley car insurance comparison

In the end, you save

When buying insurance coverage, never buy poor coverage just to save money. There have been many situations where drivers have reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.

Cost effective car insurance is possible both online and also from your neighborhood Smiley agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and these small, regional companies work with independent agents.