Free Guide to Spending Less for Garland Texas Car Insurance Online

Tired of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as many other drivers in Texas. Having so many choices of insurance companies, it is hard for the average consumer to find the lowest price car insurance company.

You probably qualify for some discounts

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but a few must be manually applied in order for you to get them. If you aren’t receiving every discount available, you are throwing money away.

  • Save over 55 – Older drivers may be able to get reduced rates.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Air Bag Discount – Cars that have air bags may earn rate discounts of more than 20%.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than less cautious drivers.
  • Driver Safety – Taking a driver safety course could save 5% or more if your company offers it.
  • Auto/Life Discount – Larger companies have lower rates if you buy life insurance from them.
  • Save with a New Car – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% with a few car insurance companies.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will reduce your overall premium however.

To see a list of companies with the best car insurance discounts in Garland, follow this link.

How your Garland rates are determined

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for car insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower car insurance prices.

Listed below are some of the factors used by your company to calculate prices.

  • Car features impact rates – Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Liability coverage is cheap – Your policy’s liability coverage will protect you when a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • High numbers of claims are not good – Auto insurance companies in Texas award discounts to insureds who are claim-free. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is designed for major claims that would cause financial hardship.
  • Your age impacts your rates – Teenage drivers in Texas are statistically proven to be less responsible behind the wheel so they pay higher car insurance rates. Having to add a teen driver to your car insurance policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and get fewer tickets.
  • Little extras can really add up – There are many additional coverages that you can get tricked into buying when buying car insurance. Coverages like personal injury protection, accidental death and motor club memberships are some examples. These may sound like a good investment at first, but if you don’t need them get rid of them and save.
  • Poor credit can mean higher rates – A driver’s credit history is a big factor in your rate calculation. If your credit rating is not that good, you could potentially save money when insuring your by improving your rating. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit scores.
  • Your stress level may be raising your rates – Occupations like judges, social workers and stock brokers have the highest rates in part from high stress and lengthy work days. On the other hand, occupations such as farmers, students and the unemployed get better rates.
  • Poor driving leads to higher costs – Careful drivers receive lower rates compared to drivers with tickets. Only having one ticket can boost insurance rates twenty percent or more. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.

Local Garland agents and car insurance

Some consumers would rather visit with an insurance agent and that is OK! Insurance agents are trained to spot inefficiencies and help you file claims. The best thing about getting online price quotes is the fact that you can find the lowest rates but also keep your business local. And providing support for local businesses is important particularly in Garland.

Upon completion of this simple form, your coverage information is submitted to local insurance agents who will compete for your coverage. You don’t have to leave your computer due to the fact that quote results will go straight to your inbox. It doesn’t get any easier!

What types of insurance agencies are in Garland?

If you’re trying to find local Garland agents, there are a couple of types of agencies to choose from. Insurance agencies in Garland are classified as either independent or captive. Both write coverage properly, but it’s good to learn how they differ since it can impact your agent money concept

Independent Agents (or Brokers)

Independent agencies are not employed by any specific company so they can insure your vehicles amongst many companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent.

When searching for an agent, we recommend you get quotes from at least one independent agent for maximum quote selection.

Below are independent agents in Garland that are able to give rate quotes.

Sherry Hobbs Agency – 1925 Westcreek Dr – Garland, TX 75042 – (972) 470-9870
Ashley Insurance – 345 W Centerville Rd – Garland, TX 75041 – (972) 271-3042
Tomlinson Agency – 346 Oaks Trl # 209 – Garland, TX 75043 – (972) 203-9368
John Wallace Agency – 3933 Amy Ave – Garland, TX 75043 – (972) 240-8904
Danback Insurance – 2940 Broadway Blvd – Garland, TX 75041 – (972) 926-4343

Captive Insurance Agents

This type of agents write business for a single company and examples are Allstate, State Farm and Farmers Insurance. They are unable to give you multiple price quotes so they have to upsell other benefits. Captive agents are well schooled on the products they sell and that can be a competitive advantage.

Shown below are Garland captive insurance agents willing to provide price quote information.

State Farm Insurance – 1225 Belt Line Rd # 1 – Garland, TX 75040 – (972) 495-3636
Farmers Insurance Group – 3502 Metairie Ct – Garland, TX 75040 – (972) 671-2933
Allstate Insurance – 1750 Northwest Hwy # 240 – Garland, TX 75041 – (972) 686-4450

For a full directory of captive insurance agents in Garland, view this link.

Selecting an auto insurance agent needs to be determined by more than just a cheap price. Some important questions to ask are:

Garland TX car insurance

  • What will you get paid if your car is a total loss? How is that amount determined?
  • Can they give you a list of client referrals?
  • What insurance companies do they work with?
  • Do they carry Errors and Omissions coverage?
  • Are they full-time agents?
  • Do the coverages you’re quoting properly cover your vehicle?

Upon receiving good answers to all your questions and an affordable coverage quote, chances are good that you have found an insurance agent that can insure your vehicles.

Learn more about Texas car insurance

Additional car insurance information is located on the website for the Texas Department of Insurance through this link. Texas consumers can find disaster information, read enforcement actions against agents and companies, and read consumer alerts.

More related Garland car insurance information:

Keep this in mind

The cheapest car insurance can be found online and also from your neighborhood Garland agents, so you should be comparing quotes from both to have the best selection. Some insurance providers may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

In this article, we covered many tips how you can shop for car insurance online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the best price on car insurance is with a small mutual company. These companies often have lower prices on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.

When trying to cut insurance costs, you should never reduce needed coverages to save money. In many instances, an insured cut collision coverage only to find out they didn’t purchase enough coverage. Your focus should be to buy enough coverage at the best price, not the least amount of coverage.