Tightwads Guide for Saving on Telephone Car Insurance

Overpriced car insurance can dwindle your personal savings and force you to prioritize other expenses. Shopping your coverage around is free, only takes a few minutes, and is a good way to help make ends meet.

Companies like GEICO and Progressive constantly bombard you with catchy ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to compare prices quite often because rates are constantly changing. If you had the lowest price on your last policy the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about car insurance on the internet, so I'm going to show you some great ways to save money.

These discounts can lower your rates

Companies don't list all their discounts in a way that's easy to find, so we researched some of the more common as well as the least known savings tricks you should be using.

College Student - Kids in college who are attending college without a vehicle on campus can be insured at a reduced rate.
55 and Retired - Mature drivers can possibly qualify for better car insurance rates.
Seat Belts Save - Buckling up and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
Government Employees - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
Good Student Discount - A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, it just doesn't work that way.

To see a list of companies with the best car insurance discounts in Telephone, click here to view.

Free Quotes for Car Insurance in Telephone, Texas

Most companies allow you to get coverage prices on the web. The process is quite simple as you just type in your coverage information as detailed in the form. Once you submit the form, their rating system will obtain information on your driving record and credit history and gives you a price quote based on these and other factors. Online quotes helps simplify price comparisons, but the process of having to visit a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. But it's very important to have as many quotes as possible in order to find better car insurance pricing.

There is a better way!

The preferred way to locate the lowest prices utilizes a single form that gets price quotes from several companies at one time. The form is fast, requires much less work on your part, and makes comparison shopping much easier to do. After sending your information, it is rated and you are able to buy your choice of the price quotes you receive. If a lower price is quoted, you can click and sign and buy the policy. The entire process can be completed in a matter of minutes and may save quite a bit of money.

If you want to find out what other companies charge, click here to open in new window and submit the form. If you have coverage now, it's recommended you copy the insurance coverages as shown on your current policy. This makes sure you are getting a fair comparison based on the exact same insurance coverage.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the different types of things that come into play when calculating your car insurance rates. Having a good understanding of what influences your rates enables informed choices that may reward you with big savings.

Mature drivers pay less - More mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets. Young drivers tend to be less responsible when driving and because of this, their car insurance rates are much higher.
Men fork out a little more - Statistics have proven women are more cautious behind the wheel. However, don't assume that men are worse drivers. They both are in accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also receive more costly citations such as reckless driving.
Never allow your policy to lapse - Driving your car without having proper coverage is illegal and car insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, but not being able to provide proof of insurance might get you a revoked license or a big fine.
More claims means more premium - If you are a frequent claim filer, you can expect higher rates. Car insurance companies in Texas award cheaper rates to drivers who are claim-free. Insurance coverage is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.
How's your driving record? - Careful drivers have lower premiums than people who have multiple driving citations. Even one speeding ticket can boost insurance rates by as much as thirty percent. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.

Different people need different coverages

When choosing the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help you determine whether you may require specific advice.

Why does it cost so much to insure a teen driver in Telephone?
Should I put collision coverage on all my vehicles?
Why am I be forced to buy a membership to get insurance from some companies?
Am I covered if I drive in a foreign country?
Do I need to file an SR-22 for a DUI in Texas?
Does my liability insurance cover pulling a trailer or camper?
Are rental cars covered under my policy?
Is my vehicle covered for flood damage?

If you're not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. They all seem to make an identical promise that you can save if you move to their company. How can each company make the same claim?

All the different companies have a preferred profile for the driver that is profitable for them. For instance, a desirable insured could be over the age of 50, insures multiple vehicles, and has great credit. A customer who meets those qualifications will get the preferred rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will have to pay more money and ends up with business going elsewhere. The ads state "customers that switch" not "everybody who quotes" save that much. This is how insurance companies can advertise the savings. Because of the profiling, drivers must compare many company's rates. Because you never know which insurance companies will fit your personal profile best.

The best insurance company isn't always the cheapest

When you buy insurance online, it's a bad idea to reduce coverage to reduce premium. There are many occasions where drivers have reduced collision coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at a price you can afford.

We just showed you some good ideas how you can compare car insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from the least-expected company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as .

More sites with car insurance information

Additional detailed information is located at the Texas Department of Insurance website. Consumers can read enforcement actions against agents and companies, learn about insurance regulations, find a variety of consumer forms, and download brochures.