Car Insurance in Waskom - 10 Discounts You Might be Losing Out On

Expensive car insurance can empty your savings account and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to tighten up your finances.

With so many insurance companies to choose from, it can be challenging to locate the best provider.

It's important to shop coverage around on a regular basis since rates are constantly changing. Even if you got the lowest rates a year ago a different company probably has better rates today. Starting now, ignore everything you know about car insurance because we're going to show you the tricks you need to know to find better rates and still maintain coverage.

How much can you save with these ten discounts?

Car insurance is not cheap, buy you may qualify for discounts that many people don't even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested prior to getting the savings.

  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Accident Waiver - Some insurance companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Early Signing - Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
  • Low Mileage - Driving fewer miles can earn better rates on cars that stay parked.
  • Seat Belts Save more than Lives - Drivers who require all occupants to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Government Employees - Active or retired federal employment can save as much as 8% with certain companies.
  • Multi-policy Discount - If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Auto/Life Discount - Some companies give a break if you buy a life insurance policy as well.

It's important to note that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, you're out of luck. But any discount will help reduce the amount you have to pay.

Waskom car insurance quote

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

Companies like Allstate and Progressive constantly bombard you with television and radio advertisements. All the ads make the same claim that you can save if you switch your coverage to them. But how can every company make the same claim?

All companies have a preferred profile for the type of customer that earns them a profit. For example, a preferred risk could be between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. Any new insured who matches those parameters gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile will be charged a more expensive rate which leads to business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. This is how insurance companies can make those claims.

That is why drivers should get quotes from several different companies. It's just too difficult to predict which insurance companies will have the lowest rates.

More information can be found on the website for the Texas Department of Insurance located here. Consumers can read consumer alerts, learn about insurance regulations, find out industry alerts, and file complaints about a company.

Also read more on BankRate.com's Car Insurance: When not to Skimp and this Waskom agent directory.

The best insurance company isn't always the cheapest

While you're price shopping online, don't be tempted to skimp on coverage in order to save money. Too many times, drivers have reduced uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Lower-priced car insurance can be found from both online companies as well as from independent agents in Waskom, so you should be comparing quotes from both to have the best rate selection. Some companies don't offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

You just learned many ideas to reduce car insurance prices online. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the lowest priced car insurance comes from some of the lesser-known companies. Regional companies often have lower prices on specific markets compared to the large companies like .