Comparing Cheap Weslaco Car Insurance

Are you tired of trying to scrape together enough money each month for car insurance? Your situation is no different than many other drivers in Texas.

You have multiple to buy insurance from, and although it's nice to be able to choose, having more makes it harder to compare rates.

Finding affordable coverage in Weslaco is easy if you know what you're doing. If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. But Texas car owners do need to know the way insurance companies market on the web and use this information to your advantage.

Why some people pay less for insurance in Weslaco

Consumers need to have an understanding of the factors that come into play when calculating your car insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that could result in big savings.

The list below includes a few of the "ingredients" companies use to determine premiums.

  • Safe vehicles cost less to insure - Vehicles with good safety scores get lower rates. Safe vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates.
  • A lapse in coverage is a bad thing - Not having insurance is illegal and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, but being ticketed for driving with no insurance might get you a license revocation or jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with the Texas DMV.
  • Rates may be higher depending on your occupation - Occupations such as lawyers, social workers and financial analysts tend to pay higher average rates due to stressful work requirements and lots of time spent at work. Conversely, occupations like farmers, engineers and the unemployed have the lowest average rates.
  • Teen drivers pay high rates - Young drivers in Texas tend to get distracted easily in a vehicle so they pay higher car insurance rates. Mature drivers are more responsible, file fewer claims and are safer drivers.
  • How's your driving record? - Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers get better rates than people who have multiple driving citations. Even a single ticket can increase rates by twenty percent. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Bundling policies can get discounts - The majority of insurance companies will award you with lower prices to policyholders who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to comparison shop to make sure you are getting the best deal. Consumers may find better rates by buying insurance from more than one company.
  • Liability coverage is peace of mind - The liability section of your policy will protect you if you are found to be at fault for damages from an accident. It provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Your car's features help determine rates - Driving a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.

car insurance in Weslaco

Cheap Weslaco Car Insurance Comparisons

The are a couple different ways to compare quotes and find the best price. One of the best ways to find the lowest rates is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to get the best comparison quotes is a comparison rater form click to view form in new window. This type of form eliminates the need for separate forms to each individual car insurance company. In just a few minutes this one form gets you coverage quotes from several companies.
  2. Another way to shop for car insurance online consists of going to the website for every company you want to comare and fill out their own quote form. For sake of this example, we'll assume you want rates from , and . To find out each rate you need to spend time on each company's site to enter your coverage information, which is why the first method is quicker.

    For a list of links to companies insuring cars in Weslaco, click here.
  3. The most time-consuming way of comparing rate quotes is driving to different Weslaco agent offices. The internet eliminates the need for an insurance agent unless you want the personal advice only provided by licensed Weslaco agents. It is possible to find lower rates online but buy from a local insurance agent and we'll talk about that later.

However you get your quotes, ensure you're using identical coverages for every quote you compare. If you enter different limits and deductibles on each one you can't possibly determine the best price in Weslaco. Slightly different insurance coverages can mean a large discrepancy in price. And when price shopping your coverage, more quotes helps locate lower pricing.

Policy discounts you shouldn't miss

Companies do not list all available discounts very clearly, so we break down some of the more common and also the lesser-known discounts you could be receiving.

  • Military Rewards - Being deployed with a military unit can result in better rates.
  • Seat Belt Usage - Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Employee of Federal Government - Employees or retirees of the government may qualify you for a discount depending on your company.
  • New Car Discount - Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Sign Early and Save - Some companies give discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • Auto/Home Discount - If you insure your home and vehicles with one company you will save approximately 10% to 15%.
  • Accident Free - Claim-free drivers can save substantially when compared with accident-prone drivers.
  • Organization Discounts - Belonging to a qualifying organization may earn a discount when buying car insurance.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.

Consumers should know that some of the credits will not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies don't profit that way.

To choose insurers with the best car insurance discounts in Texas, click here.

Save $429 a year? Really?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies have a common claim that you'll save big if you move to them. How does each company make the same claim? It's all in the numbers.

All the different companies can use profiling for the type of driver that makes them money. For example, a profitable customer could be a mature driver, is a homeowner, and has great credit. A customer that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards must pay higher prices and this can result in business going elsewhere. The ad wording is "customers who switch" but not "drivers who get quotes" save money. That's why companies can advertise the savings. This illustrates why you need to get a wide range of price quotes. Because you never know the company that will give you the biggest savings.

More detailed Texas car insurance information can be found at the Texas Department of Insurance website. Consumers can find disaster information, find a variety of consumer forms, read industry bulletins, and read enforcement actions against agents and companies.

Shop smart and save

Discount car insurance is definitely available from both online companies and with local Weslaco insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.