How to Know You're Throwing Money Away for Car Insurance in Temple

Are you tired of paying out the nose each month for car insurance? Your situation is no different than the majority of other car owners in Texas.

You have so many to buy insurance from, and although it's nice to have a choice, lots of choices makes it harder to compare rates.

It's important to price shop coverage before your policy renews because rates are constantly changing. Just because you had the lowest price a couple years back there may be better deals available now. There is a lot of bad information regarding car insurance online, so we're going to give you some great ways to stop overpaying for insurance.

Finding the best rates in Temple is easy if you know what you're doing. Just about every vehicle owner who is required by state law to have car insurance stands a good chance to be able to save money. But Texas car owners do need to know how big insurance companies sell insurance online because it can help you find the best coverage.

Texas car insurance

These discounts can lower your rates

Companies don't necessarily list every available discount very clearly, so we researched some of the more common as well as the least known ways to save on car insurance.

  • Passive Restraint Discount - Vehicles with factory air bags may earn rate discounts of more than 20%.
  • Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with certain companies.
  • Good Students Pay Less - Getting good grades can save 20 to 25%. Earning this discount can benefit you until age 25.
  • One Accident Forgiven - Certain companies will forgive one accident without raising rates if you are claim-free for a certain period of time.
  • Payment Discounts - If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Military Discounts - Having a family member in the military could mean lower rates.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Homeowners Pay Less - Being a homeowner may earn you a small savings because owning a home shows financial diligence.
  • Multi-car Discount - Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.

Consumers should know that many deductions do not apply to the entire cost. Most only cut individual premiums such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies don't profit that way.

For a list of providers offering car insurance discounts in Texas, click this link.

Comparison of Car Insurance in Temple

Most major insurance companies like State Farm and Allstate give coverage price quotes directly from their websites. The process doesn't take a lot of time as you simply enter as detailed in the form. Once entered, their rating system will obtain your credit score and driving record and generates pricing information based on these and other factors. Quoting online makes it a lot easier to compare rates but the time it takes to visit many different websites and type in the same information gets old quite quickly. But it's very important to have as many quotes as possible in order to get better car insurance pricing.

The easy way to compare rates

A more efficient way to lower your car insurance bill utilizes a single form that analyzes rates from multiple companies. The form is fast, reduces the work, and makes online price comparison much more enjoyable and efficient. Immediately after you send the form, your coverage is rated and you can choose any one of the quotes that you receive. If a lower price is quoted, you simply finish the application and purchase the new policy. This process can be completed in a matter of minutes and may result in a nice savings.

If you want to find out what other companies charge, click here to open in new window and complete the simple form. If you have coverage now, it's recommended you duplicate the limits and deductibles identical to your current policy. This helps ensure you're receiving a fair comparison based on identical coverages.

The best insurance company isn't always the cheapest

We just showed you many ideas to get a better price on car insurance. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Consumers may even find the best prices are with a small local company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as .

Discount car insurance is available from both online companies in addition to many Temple insurance agents, so compare prices from both so you have a total pricing picture. Some car insurance companies do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.