Car Insurance in Springtown - 9 Discounts You Might be Losing Out On

No one likes paying for car insurance, especially when they are paying too much. Numerous battle for your hard-earned dollar, and it can be difficult to compare rates to get the lowest rate

It's important to price shop coverage occasionally since rates are constantly changing. Even if you got the best rates a few years ago a different company probably has better rates today. You can find a lot of wrong information about car insurance online, so I'm going to show you some great ways to find cheap car insurance.

If you have insurance now or are looking for a new policy, you can learn to shop for the lowest rates and still get good coverage. Buying car insurance in Springtown is easy if you know what you're doing. Texas vehicle owners just need to know the tricks to get comparison quotes online.

Take advantage of discounts

Car insurance companies don't list all their discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If they aren't giving you every credit you qualify for, you are throwing money away.

Bundle and Save - If you have multiple policies with the same company you may earn at least 10% off all policies.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
Theft Prevention Discount - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
Defensive Driver - Successfully completing a driver safety course can save you 5% or more if you qualify.
Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
No Claims - Good drivers with no accidents pay less as compared to drivers who are more careless.
Homeowners Savings - Owning a house in Springtown can save you money because owning a home demonstrates responsibility.
Military Discounts - Being deployed with a military unit could mean lower rates.

Consumers should know that some credits don't apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way.

How to know if you need help

When it comes to buying coverage for your vehicles, there is no "perfect" insurance plan. Everyone's needs are different and your policy should reflect that. These are some specific questions might point out whether your personal situation may require specific advice.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
Do I really need UM/UIM coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What can I do if my company won't pay a claim?
Should I buy additional glass protection?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can help protect your family.

Are car insurance companies telling the truth?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as GEICO, State Farm and Progressive. They all seem to have a common claim that you'll save big if you switch your policy.

How do they all make the same claim?

Insurance companies have a certain "appetite" for the right customer that earns them a profit. A good example of a desirable insured could be over the age of 50, owns a home, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" is entitled to the best price and most likely will cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will have to pay higher premiums and this can result in business going elsewhere. Company advertisements say "customers that switch" not "people who quote" save that kind of money. That is how companies can advertise the way they do. Because of the profiling, drivers should compare as many rates as you can. It's just too difficult to predict which company will provide you with the cheapest rates.

For more Texas car insurance information

More detailed Texas car insurance information can be read at the Texas Department of Insurance website. Consumers can view agent and company licensing information, find out industry alerts, read consumer alerts, and discover disciplinary actions.

A tidy conclusion

When shopping online for car insurance, you should never skimp on coverage in order to save money. In many instances, an insured cut collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage at a price you can afford.

Discount car insurance can be found from both online companies in addition to many Springtown insurance agents, and you should be comparing both to have the best chance of lowering rates. Some car insurance companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.