Nobody I know likes having to buy car insurance, especially when they are paying too much.
Lots of insurance companies contend for your insurance dollar, and it can be difficult to compare rates to get the cheapest price
It’s a great practice to compare prices occasionally since rates fluctuate regularly. Even if you got the best deal a couple years back you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about car insurance online, so I’m going to show you some guaranteed methods to slash your car insurance rates.
If you have car insurance now, you will most likely be able to save some money using these methods. Choosing the best insurance company for you in Grand Prairie is easy if you know what you’re doing. Nevertheless, Texas consumers benefit from understanding the methods companies use to market on the web and apply this information to your search.
Discounts can save BIG
Car insurance companies don’t always advertise every discount very clearly, so we researched some of the more common and the more hidden discounts you could be receiving.
- Memberships – Belonging to a civic or occupational organization could trigger savings when buying car insurance.
- Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiring. It’s a savings of about 10%.
- Save with a New Car – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
- Discounts for Safe Drivers – Safe drivers may save up to 50% more than less cautious drivers.
- Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
- Distant Student – Children who are attending college and do not have a car may be able to be covered for less.
Consumers should know that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free car insurance policy, it doesn’t quite work that way.
To see a list of providers with the best car insurance discounts in Texas, click here to view.
How to Compare Grand Prairie Car Insurance Rates
Effectively comparing car insurance prices is a ton of work if you don’t know the most efficient way. You can spend your afternoon discussing policy coverages with insurance agencies in Grand Prairie, or you can stay home and use the web to get prices fast.
Most of the larger companies belong to a marketplace where prospective buyers enter their policy data once, and each participating company provides a quote determined by their information. This saves time by eliminating quotation requests for every car insurance company.
To get comparison pricing now click here (opens in new window).
The only downside to doing it this way is you can’t choose which providers you want pricing from. If you prefer to choose specific providers to request quotes from, we have a listing of car insurance companies in Texas. View list of Texas insurance companies.
Whichever method you choose, compare apples-to-apples coverage information on every quote. If the quotes have differing limits then you won’t be able to determine the lowest rate in Grand Prairie. Slightly different limits can make a big difference in price. And when comparison shopping, having more price comparisons gives you a better chance of getting the best offered rates.
When should I use an insurance agent?
When it comes to choosing proper insurance coverage, there really is not a single plan that fits everyone. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether you will benefit from professional help.
- Are all vehicle passengers covered by medical payments coverage?
- Exactly who is provided coverage by my policy?
- Do I have coverage when pulling a U-Haul trailer?
- Are my friends covered when driving my vehicle?
- Do I have coverage when using my vehicle for my home business?
- When does my teenage driver need to be added to my policy?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.
One last thing
As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
We covered some good ideas how to shop for car insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the most savings is with a lesser-known regional company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, Geico and Nationwide.
The cheapest car insurance is possible online as well as from independent agents in Grand Prairie, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.