Getting Low-Cost Victoria Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, you're not the only one.

Having so many auto insurance companies to choose from, it's difficult to pick the cheapest insurer.

It's important to do rate comparisons at least once a year because prices are constantly changing. Despite the fact that you may have had the best deal two years ago the chances are good that you can find a lower rate today. Starting now, block out anything you think you know about auto insurance because you're going to get a crash course in the only way to remove unneeded coverages and save money.

Finding affordable coverage in Victoria is not that difficult. In a nutshell, every driver who carries auto insurance will be able to save money. Although Texas drivers do need to know the way insurance companies compete online and take advantage of how the system works.

Be sure to get all your discounts

Companies that sell car insurance do not advertise all their discounts very well, so here is a list both well-publicized and also the lesser-known ways to save on auto insurance.

  • Save over 55 - Mature drivers may be able to get reduced rates.
  • Driver Safety - Completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • College Student - Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Memberships - Participating in a professional or civic organization could trigger savings on auto insurance.
  • No Charge for an Accident - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims prior to the accident.

A little note about advertised discounts, many deductions do not apply the the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, you won't be that lucky.

To see a list of companies who offer auto insurance discounts in Texas, click this link.

Victoria auto insurance comparison

How to Compare Victoria Auto Insurance Costs

Effectively comparing auto insurance prices can be challenging if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to insurance agencies in Victoria, or you could use the web to get the quickest rates.

Many insurance companies take part in a program that allows shoppers to submit one quote, and at least one company then gives them pricing. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is you are unable to specify which carriers to receive prices from. So if you want to select specific providers to compare, we put together a list of companies who write auto insurance in Texas. Click to view list.

It doesn't matter which method you choose, just compare apples-to-apples coverage information for each comparison quote. If you are comparing unequal deductibles or liability limits then you won't be able to determine the lowest rate in Victoria. Having just a slight variation in coverages can mean a large discrepancy in price. Just keep in mind that more quotes provides better odds of finding the best offered rates.

Why some people pay less for insurance in Victoria

An important part of buying insurance is that you know the rating factors that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with lower auto insurance prices.

  • Men pay higher rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are better drivers. Women and men have accidents at about the same rate, but the males have costlier accidents. They also have more aggressive citations such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.
  • Do you need those extra coverages? - There are a ton of extra coverages that you can buy on your auto insurance policy. Things like vanishing deductibles, towing coverage and motor club memberships may be wasting your money. These may sound like a good investment initially, but if you don't need them remove them from your policy.
  • Mature drivers pay less - Teen drivers in Texas are known to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, tend to file fewer claims and are safer drivers.
  • Multi-policy discounts can save money - Many auto insurance companies will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to compare rates to make sure you are getting the best deal. You may still find a better deal by insuring with multiple companies.
  • Adjust deductibles and save - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be collision with another vehicle, damage caused by hail, or theft. Physical damage deductibles are how much you are required to spend in the event of a claim. The more money you're willing to pay, the less your auto insurance will be.
  • Don't skimp on liability - Liability coverage provides coverage if ever a court rules you are at fault for damages from an accident. It provides legal defense coverage starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Careful drivers pay lower rates - Your driving citation history has a big impact on rates. Just one speeding ticket can increase rates forty percent or more. Good drivers get better rates compared to drivers with tickets. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.

Is there truth in advertising?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all seem to make the same claim about savings after switching to them. But how can every company make almost identical claims? It's all in the numbers.

All companies are able to cherry pick for the type of driver that is profitable for them. An example of a desirable insured could possibly be a mature driver, has no tickets, and chooses high deductibles. A customer getting a price quote who matches those parameters gets the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will have to pay higher prices which leads to the driver buying from a lower-cost company. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. That's the way companies can truthfully state the savings. Because of the profiling, drivers must get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

The best insurance company isn't always the cheapest

When buying insurance coverage, do not reduce coverage to reduce premium. There are many occasions where an insured dropped comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best price.

The cheapest auto insurance can be bought online and with local Victoria insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

You just read many ideas to compare auto insurance prices online. The most important thing to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like .

auto insurance in Victoria

Even more information is available at the Texas Department of Insurance website. Texas consumers can learn about insurance regulations, discover disciplinary actions, read enforcement actions against agents and companies, and read consumer alerts.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Victoria.