Comparing Cheaper The Woodlands Car Insurance

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than the majority of other car owners in Texas.

Lots of contend for your business, so it's not easy to compare every and get the best coverage at the lowest rate

It's important to get comparison quotes once or twice a year due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best deal two years ago a different company probably has better rates today. So just forget all the misinformation about car insurance because I'm going to teach you the only way to save on car insurance.

Take advantage of discounts

The price of auto insurance can be rather high, but companies offer discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be specially asked for before you get the savings.

  • Save with a New Car - Insuring a new car is cheaper compared to insuring an older model.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Driver Safety - Taking a defensive driving course could save 5% or more if you qualify.
  • No Claims - Claim-free drivers can earn big discounts as compared to drivers who are more careless.

It's important to note that most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you could get a free car insurance policy, you're out of luck. But any discount will cut your overall premium however.

Texas car insurance quotes

Understand what determines the rate you pay

Smart consumers have a good feel for some of the elements that help determine the rates you pay for car insurance. Understanding what influences your rates helps enable you to make changes that may reward you with better car insurance rates.

  • The more you drive the more you pay - Driving more miles every year the more you will pay for car insurance. The majority of insurers charge to insure your cars based on their usage. Vehicles that are left in the garage can get a lower rate than those used for commuting. Verify your car insurance coverage is showing the proper vehicle usage, because it can save money.
  • Lower rates with optional equipment - Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Men pay higher rates - The statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women tend to get into accidents at about the same rate, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Little extras can really add up - There are a ton of extra bells and whistles that you can buy when buying car insurance. Coverages like roadside assistance, towing coverage and membership fees are examples of these. These coverages may sound good at first, but your needs may have changed so get rid of them and save.
  • Your car insurance rates can be influenced by your job - Did you know your occupation can influence how much you pay for car insurance? Jobs such as doctors, architects and accountants are shown to have higher rates than average attributed to high stress and long work hours. On the flip side, professions such as farmers, athletes and performers pay the least.
  • Liability insurance protects assets - Liability coverage will protect you if ever you are found liable for damages caused by your negligence. It will provide legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Low deductibles can be expensive - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a building, collision with an animal, and windstorm damage. Your deductibles are how much you are required to spend before a claim is paid by your company. The more money the insured has to pay upfront, the less your company will charge you for insurance.

Are car insurance companies telling the truth?

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to say the same thing that you can save after switching your policy. How do they all claim to save you money?

Different companies can use profiling for the right customer that earns them a profit. An example of a desirable insured might be between the ages of 40 and 55, has no tickets, and chooses high deductibles. Any driver who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will have to pay a higher premium which usually ends up with the customer not buying. Company advertisements say "people who switch" not "people who quote" save that kind of money. That's why insurance companies can state the savings.

Because of the profiling, drivers should compare as many rates as you can. You cannot predict the company that will give you the biggest savings.

More information is available on the website for the Texas Department of Insurance through this link. Visitors are able to file complaints about an insurance agent or broker, view a list of available companies, learn about insurance regulations, and discover disciplinary actions.

compare The Woodlands car insurance rates

The best insurance company isn't always the cheapest

When buying insurance coverage, you should never skimp on coverage in order to save money. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at an affordable rate.

Lower-priced car insurance can be bought both online in addition to many The Woodlands insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.