Find the Secrets to Saving Money on Houston Texas Auto Insurance

Are you intimidated by the wide range of auto insurance company choices in Houston? You’re not the only one! People have so many options that it can turn into a big hassle to find better rates.

You need to price shop coverage at least once a year because insurance rates go up and down regularly. Even if you think you had the lowest rates a year ago there may be better deals available now. You’ll find quite a bit of inaccurate information about auto insurance on the web, but by reading this article, you’re going to learn a bunch of ideas how to put money back in your pocket.

Comprehensive Auto Insurance Comparison in Houston, Texas

All major auto insurance companies such as Allstate, GEICO and Progressive quote prices on their websites. Getting quotes is pretty painless as you just type in the coverages you want as requested by the quote form. After the form is submitted, the system sends out for information on your driving record and credit history and quotes a price based on many factors.

Quoting online streamlines rate comparisons, but the process of having to visit different websites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible in order to get the lowest auto insurance rates.

The easy way to compare rates

A less time-consuming method to lower your auto insurance bill utilizes a single form to obtain quotes from several companies at one time. The form is fast, requires much less work on your part, and makes online quotes much more enjoyable. After sending the form, your coverage is rated and you are able to buy any one of the resulting price quotes.<img class="alignright" style="padding-top:15px" src="" alt="lower rates in Houston TX” />

If a lower price is quoted, you simply finish the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

If you want to fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you duplicate the limits and deductibles exactly as shown on your declarations page. Using the same limits helps guarantee you will receive an apples-to-apples comparison for similar insurance coverage.

You probably qualify for some discounts

Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. Certain discounts will be applied at quote time, but some must be asked about before being credited.

  • No Accidents – Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Sign Online – A few companies give back up to $50 simply for signing on their website.
  • Multi-car Discount – Insuring more than one vehicle with the same company may reduce the rate for each vehicle.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.

It’s important to note that most credits do not apply to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. Even though it may seem like you could get a free auto insurance policy, companies wouldn’t make money that way. Any amount of discount will reduce the amount you have to pay.

For a list of insurance companies offering auto insurance discounts in Houston, click here.

What coverages do I need?

When buying the best auto insurance coverage, there is no “best” method to buy coverage. Each situation is unique.

lower rates in Houston TX

For instance, these questions can aid in determining if you will benefit from professional help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much liability do I need to cover my assets?
  • How much liability coverage do I need in Texas?
  • Should I drop comprehensive coverage on older vehicles?
  • Does having multiple vehicles earn me a discount?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my nanny covered when driving my vehicle?
  • Does my insurance cover a custom paint job?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

More information about auto insurance

Additional information is located on the Texas Department of Insurance website located here. Visitors are able to find out industry alerts, file complaints about a company, and find out which companies have the most complaints.