Free Guide to Paying Less for Waelder Auto Insurance Online

Have you had enough of not being able to afford each month for car insurance? You're in the same situation as many other drivers in Texas. Since consumers have many insurance companies to choose from, it is very difficult to pick the lowest price car insurance company.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, but there could be available discounts to help offset the cost. Some trigger automatically when you get a quote, but some must be manually applied before you will receive the discount. If you don't get every credit available, you're paying more than you need to.

No Accidents - Claim-free drivers can earn big discounts when compared to bad drivers.
Driver's Ed - Have your child successfully complete driver's ed class in high school.
Service Members Pay Less - Being on active duty in the military can result in better rates.
Good Students Pay Less - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.
One Accident Forgiven - Some insurance companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
Life Insurance - Companies who offer life insurance give a break if you buy auto and life insurance together.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most cut specific coverage prices like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

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

Compare the Market for Auto Insurance in Waelder

There are several ways you can shop for auto insurance and some are less labor-intensive and much quicker. You can waste a lot of time driving to insurance companies in Waelder, or you could use online quoting for quick rates.

Many insurance companies belong to an insurance system that allows shoppers to submit one quote, and each participating company returns a competitive quote. This saves time by eliminating repetitive form submissions for each company you want a rate for.

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

The only downside to doing it this way is you cannot specify which carriers to get quotes from. So if you want to select specific insurance companies to compare rates, we put together a list of companies who write auto insurance in Texas. View list of Texas insurance companies.

It's up to you which method you use, but double check that you are using apples-to-apples deductibles and coverage limits for each price quote. If you compare different values for each quote you can't possibly truly determine the lowest rate in Waelder.

You have some control over your rates

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that will entitle you to big savings.

The list below includes some of the factors auto insurance companies consider when setting prices.

Rates may be lower depending on your job - Careers like doctors, business owners and stock brokers tend to have the highest rates due to high stress levels and lots of time spent at work. On the other hand, occupations like farmers, students and the unemployed receive lower rates.
High numbers of claims are not good - If you are a frequent claim filer, you can definitely plan on higher rates. Companies in Texas award discounts to insureds who are claim-free. Insurance coverage is intended for major claims that would cause financial hardship.
High crash test scores lower rates - Vehicles with good safety scores can get you lower premiums. The safest vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
Cautious drivers pay less - A bad driving record has a big impact on rates. Careful drivers get better rates than people who have multiple driving citations. Even one moving violation can boost insurance rates by twenty percent. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
Pay less if you're married - Being married actually saves money on your policy. Having a significant other means you're more responsible and statistics show drivers who are married are more cautious.
Big city or small town - Being located in less populated areas can save you money when talking about auto insurance. Drivers who live in large cities have traffic congestion and much longer commute distances. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.
Please use or commuting - The more you drive every year the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars and trucks not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your auto insurance policy properly reflects the correct driver usage, because it can save money.

Save 15 percent in 15 minutes? Is it for real?

Consumers in Texas can't get away from ads for the lowest price auto insurance by Progressive, Allstate and GEICO. They all make an identical promise about savings if you move to their company.

But how can every company claim to save you money? It's all in the numbers.

All the different companies can use profiling for the driver that is profitable for them. An example of a driver they prefer might be between 25 and 40, has no tickets, and has a short commute. A customer getting a price quote who meets those qualifications gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don't meet this ideal profile will be quoted higher premiums and ends up with the customer not buying. The ads say "customers who switch" but not "drivers who get quotes" save that much. That's why companies can truthfully make the claims of big savings.

This emphasizes why drivers must get quotes from several different companies. It's impossible to know the company that will fit your personal profile best.

And the best car insurance company is...

We covered some good ideas how you can compare auto insurance prices online. The key concept to understand is the more price quotes you have, the better chance you'll have of finding lower rates. Consumers could even find that the most savings is with a small mutual company. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like .

As you shop your coverage around, don't be tempted to reduce coverage to reduce premium. There are too many instances where an insured dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

More Texas auto insurance information

Additional information is available on the website for the Texas Department of Insurance found here. Visitors are able to read industry bulletins, download brochures, find disaster information, and file complaints about a company.

Additional helpful sites include this online resource for auto insurance quotes in Texas and this list of insurance agents in Waelder.