Find Proven Techniques to Save on Clovis, NM Auto Insurance
Feel like you’re a prisoner to high-priced auto insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse. Online insurance companies like State Farm and GEICO promote their brand names with catchy ads and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.
Lower rates by qualifying for discounts
Insuring your fleet can be pricey, but there could be available discounts that many people don’t even know exist. Most are applied when you get a quote, but a few must be specially asked for in order for you to get them. If they aren’t giving you every credit possible, you’re just leaving money on the table.
- Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
- Government Employees – Simply working for the federal government can save as much as 8% with certain companies.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
- Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
- Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
- Use Seat Belts – Drivers who require all occupants to use a seat belt can save 10% or more off the personal injury premium cost.
- New Car Discount – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
- Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.
- Fewer Miles Equal More Savings – Keeping the miles down could qualify for better rates on cars that stay parked.
As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will cut the amount you have to pay.
To see a list of insurance companies who offer auto insurance discounts in Clovis, follow this link.
Finding Auto Insurance Deals in Clovis, NM
Reducing your insurance rates is a fairly straight forward process. The only requirement is to take time comparing rates online from several insurance companies. This is very easy and can be done in several different ways.
- The best way to find low rates is to use a rate comparison form click here to open form in new window. This form eliminates the need for separate quotes to each individual auto insurance company. A single form will return quotes instantly.
- A less efficient way to get quotes online requires a visit to the website for each individual company and fill out their own quote form. For example, we’ll pretend you want to compare Progressive, Safeco and Allstate. You would have to go to every website and enter your information, which is why the first method is quicker. For a list of links to insurance companies in Clovis, click here.
It’s up to you which method you use, but make sure you use the exact same coverage limits for every company. If you have higher or lower deductibles you can’t possibly determine the lowest rate in Clovis.
The best insurance company isn’t always the cheapest
The cheapest auto insurance can be purchased online and with local Clovis insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not offer online price quotes and these small insurance companies work with independent agents.
We’ve covered many ideas to shop for auto insurance online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with a smaller regional carrier. These companies may only write in your state and offer lower rates compared to the large companies like GEICO and State Farm.