Car Insurance in Wharton, TX - 10 Tricks to Save Money

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us when we tell you you're not the only one. Numerous battle to insure your vehicles, so it can be very hard to choose a to find the lowest price

If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to find the best rates and still get good coverage. Finding the best rates in Wharton is quite easy. Texas drivers only need an understanding of the best way to buy car insurance over the internet.

Are you getting all your discounts?

Companies offering auto insurance do not list every discount in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known ways to save on car insurance. If they aren't giving you every credit possible, you're paying more than you need to.

Payment Method - If paying your policy premium upfront instead of paying each month you could save up to 5%.
Multiple Vehicles - Buying coverage for multiple vehicles on the same car insurance policy can get a discount on all vehicles.
Auto/Life Discount - Larger companies have lower rates if you buy life insurance from them.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
New Car Discount - Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
Claim Free - Drivers with accident-free driving histories can save substantially when compared to bad drivers.
No Charge for an Accident - A few companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
Discount for Good Grades - A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
Memberships - Belonging to certain professional organizations could trigger savings when shopping for car insurance.
Homeowners Discount - Simply owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.

It's important to understand that many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. Just because it seems like you could get a free car insurance policy, it doesn't quite work that way.

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

Comprehensive Wharton Car Insurance Comparison

Most companies such as State Farm, Allstate and GEICO quote price estimates directly from their websites. Getting quotes is quite simple as you simply type in the coverages you want as detailed in the form. Once you submit the form, their rating system will obtain credit information and your driving record and returns pricing information. Quoting online streamlines rate comparisons, but the time it takes to visit multiple sites and enter the same data into a form can get tiresome after awhile. But it's very important to perform this step if you are searching for the best price on car insurance.

There is an easier way!

The preferred way to lower your rates is to use a quote form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes price shopping online much more efficient. After sending your information, it is quoted and you can select any of the price quotes you receive. If you find a better price you simply finish the application and buy the new coverage. It takes 15 minutes at the most and can result in significant savings.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you currently have coverage, we recommend that you enter the limits and deductibles exactly as they are listed on your policy. This makes sure you will get a rate comparison based on the exact same insurance coverage.

How can State Farm, Allstate and GEICO save drivers who switch?

Consumers can't get away from ads that promise big savings from the likes of State Farm, Allstate and GEICO. They all make the same claim of big savings after switching your coverage to them.

How do they all make the same claim? It's all in the numbers.

Different companies are able to cherry pick for the type of customer that is profitable for them. For example, a driver they prefer could be between the ages of 40 and 55, has no driving citations, and has great credit. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably cut their rates substantially.

Drivers who are not a match for the "perfect" profile will be quoted a higher premium which leads to business going elsewhere. The ad wording is "customers who switch" not "everybody who quotes" save that much money. That's the way insurance companies can confidently advertise the savings. This emphasizes why drivers must get as many quotes as possible. It's just too difficult to predict which car insurance company will fit your personal profile best.

And the best car insurance company is...

Low-cost car insurance can be purchased from both online companies as well as from independent agents in Wharton, so you should be comparing quotes from both to have the best selection. There are still a few companies who don't offer the ability to get a quote online and these regional insurance providers work with independent agents.

When you buy insurance online, never reduce coverage to reduce premium. There have been many situations where someone sacrificed physical damage coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

More tips and info about car insurance can be found at the Texas Department of Insurance website. Consumers can view a list of available companies, report car insurance fraud, file complaints about an insurance agent or broker, and read consumer alerts.