9 Top Tricks to Lower Car Insurance Costs in Tynan

No one in their right mind looks forward to paying for car insurance, particularly when they are paying too much.

Insurance companies such as GEICO and Progressive continually hit you with TV and radio ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to do rate comparisons occasionally since rates are constantly changing. Just because you found the lowest price a year ago you can probably find a better price now. You'll find quite a bit of inaccurate information about car insurance online but I'm going to show you some great ways to quit paying high car insurance rates.

Be sure to get all your discounts

Companies do not advertise all their discounts in a way that's easy to find, so we researched both the well known as well as the least known discounts you could be receiving.

College Student - Youth drivers who are attending college and don't have a car can receive lower rates.
Theft Prevention System - Vehicles with anti-theft systems help deter theft and will save you 10% or more.
Organization Discounts - Being a member of a civic or occupational organization may earn a discount on car insurance.
Federal Employees - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Bundle and Save - If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
Drive Less and Save - Low mileage vehicles could be rewarded with a substantially lower rate.
Safety Course Discount - Taking part in a defensive driving course can save you 5% or more if your company offers it.
Life Insurance Discount - Companies who offer life insurance give better rates if you take out auto and life insurance together.
Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, you won't be that lucky.

To choose companies with discount car insurance rates in Tynan, click here.

Is there truth in advertising?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to have a common claim about savings if you change to them. How can each company claim to save you money?

All the different companies have a certain "appetite" for the type of driver that makes them money. For instance, a desirable insured might be between 30 and 50, owns a home, and has excellent credit. Any new insured that hits that "sweet spot" will get very good rates and is almost guaranteed to save when they switch companies.

Consumers who don't measure up to the requirements will have to pay higher prices and this can result in the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save money. That is how companies can truthfully make those claims. Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which company will have the lowest rates.

How do I know if I need professional advice?

When buying the best car insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's situation is a little different and your policy should reflect that. For example, these questions might point out whether or not you might need professional guidance.

What are Texas no-fault laws?
Do I need special endorsements for business use of my vehicle?
Do I qualify for additional discounts?
Do I have coverage for damage caused while driving under the influence?
What is the difference between comprehensive and collision coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
Is my dog or cat covered if injured in an accident?

If you can't answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

For more Texas car insurance information

Even more information is located at the Texas Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, read consumer alerts, find out which companies have the most complaints, and download brochures.

Do the work, save more money

While you're price shopping online, it's a bad idea to buy poor coverage just to save money. There are many occasions where an insured cut collision coverage and learned later they didn't purchase enough coverage. Your aim should be to find the BEST coverage at a price you can afford.

Cheaper car insurance can be sourced both online and with local Tynan insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.