Tightwads Tips for Saving on Wilson Auto Insurance

Having to pay for overpriced auto insurance can empty your checking account and put the squeeze on your family's finances. Comparison shopping is a smart way to help make ends meet. Consumers have many to pick from, and though it is a good thing to have a choice, it can be more difficult to compare rates.

The purpose of this article is to help you learn how car insurance quotes work. If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. Texas consumers only need to know the most efficient way to find the lowest price on the web.

Free Quotes for Auto Insurance in Wilson, Texas

There are multiple methods to compare auto insurance quotes, but one way is easier and takes less work. You could spend your day driving to agents in Wilson, or you could save time and use online quotes to get prices fast.

All the larger companies belong to an insurance system that enables customers to only type in their quote data once, and each company provides a quote. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only downside to comparing rates this way is you can't choose which companies to get quotes from. So if you want to choose individual companies for rate comparison, we put together a list of auto insurance companies in Texas. Click here to view list.

Which method you use is up to you, but make darn sure you compare identical quote information on every quote you get. If you compare mixed coverages it will be impossible to determine which rate is truly the best in Wilson.

compare Wilson auto insurance rates

You have some control over your rates

It's important that you understand some of the elements that play a part in calculating auto insurance rates. Knowing what impacts premium levels enables informed choices that will entitle you to better auto insurance rates.

Shown below are some of the factors auto insurance companies consider when setting prices.

  • Special features that cut premiums - Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Older drivers save more - Teenage drivers in Texas have a tendency to be careless and easily distracted when driving so they pay higher auto insurance rates. If you've ever had to add a young driver to your auto insurance policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel.
  • Increase deductibles and save - Your deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, damage from fire, and rolling your vehicle. The more money you are required to pay out-of-pocket, the bigger discount you will receive.
  • Pleasure use saves money - The higher the mileage driven in a year's time the higher your rate. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Vehicles that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your auto insurance declarations sheet shows the correct usage for each vehicle, because it can save money.
  • Where you reside plays a part - Residing in a small town can save you money when buying auto insurance. City drivers have to deal with traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.

Don't pay full price with these discounts

Insuring your fleet can be pricey, but there could be available discounts that you may not know about. Certain discounts will be applied when you quote, but some must be manually applied prior to getting the savings. If you're not getting every credit you deserve, you're just leaving money on the table.

  • Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Senior Discount - Older drivers may receive better auto insurance rates.
  • Multiple Cars - Having all your vehicles on one policy may reduce the rate for each vehicle.
  • New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Multiple Policy Discount - When you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Safety Course Discount - Taking a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Good Student Discount - Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. Just because it seems like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will bring down your premiums.

For a list of insurance companies with discount auto insurance rates in Texas, follow this link.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's needs are different and a cookie cutter policy won't apply. Here are some questions about coverages that may help you determine whether or not you might need an agent's assistance.

  • What can I do if my company won't pay a claim?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • Who is covered when they drive my vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I have combined single limit or split liability limits?

If you don't know the answers to these questions, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier It's fast, free and can help protect your family.

Additional information is available on the website for the Texas Department of Insurance located here. Texas drivers can view a list of available companies, read enforcement actions against agents and companies, report car insurance fraud, and file complaints about an insurance agent or broker.

Other useful links include this page for auto insurance prices in Texas and this list of insurance agents in Wilson, TX.

Wilson auto insurance comparison

Best coverage at the best price

When shopping online for auto insurance, make sure you don't reduce needed coverages to save money. There have been many situations where drivers have reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at a price you can afford while still protecting your assets.

The cheapest auto insurance can be sourced on the web and also from your neighborhood Wilson agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies may not provide online quoting and these smaller companies work with independent agents.