Find the Cheapest Wheeler Car Insurance

If you are a novice to online car insurance shopping, you may be overwhelmed because of the huge number of car insurance companies all offering big savings in Wheeler.

It's important to shop coverage around occasionally since rates are constantly changing. Just because you had the best price last year you will most likely find a better rate today. Ignore everything you know about car insurance because you're about to find out the proper way to buy cheaper car insurance.

How much can you save with discounts?

Companies that sell car insurance don't always advertise every available discount in a way that's easy to find, so we took the time to find both the well known and the harder-to-find car insurance savings. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Early Signing - Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Federal Employees - Active or retired federal employment can save as much as 8% with certain companies.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Defensive Driver - Completing a defensive driving course can save you 5% or more if you qualify.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like you can get free auto insurance, you won't be that lucky.

Texas car insurance

How much car insurance do I need?

When it comes to buying the right insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Every insured's situation is different.

For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage for damage caused while driving under the influence?
  • What happens if I owe more than my vehicle is worth?
  • Should I rate my vehicle as pleasure use or commute?
  • What is the difference between comprehensive and collision coverage?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

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

Consumers in Texas get pounded daily by advertisements for cheaper car insurance from the likes of State Farm and Allstate. All the ads say the same thing about savings if you switch your coverage to them.

How can each company claim to save you money? This is how they do it.

All companies have a certain "appetite" for the type of customer that earns them a profit. For example, a preferred risk might be a mature driver, owns a home, and has great credit. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to save when they switch companies.

Potential customers who don't meet the requirements will be charged a more expensive rate which usually ends up with the customer not buying. The ads state "drivers who switch" but not "drivers who get quotes" save that much money. That is how companies can truthfully advertise the savings. That is why you should get quotes from several different companies. It's just too difficult to predict which company will give you the biggest savings.

Even more information can be found at the Texas Department of Insurance website. Visitors are able to file complaints about a company, find out industry alerts, and download brochures.

Wheeler car insurance quote

And the best car insurance company is...

We just covered a lot of tips how to reduce car insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with a lesser-known regional company.

As you prepare to switch companies, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut physical damage coverage only to discover later that the small savings ended up costing them much more. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Consumers switch companies for any number of reasons including high prices, policy cancellation, poor customer service and even high rates after DUI convictions. It doesn't matter what your reason, switching car insurance companies is less work than it seems.