Did your renewal premium decrease? That’s great but it doesn’t guarantee that you’re actually getting the best car insurance rate.
Get the Best Rates!
Remember that liability insurance protects your assets in case you are held liable for an injury or property damage. You cannot carry too much liability coverage. If you think you car won’t get stolen, think again. There are over 6,476 vehicle thefts each year in our state alone. More information here
Each insurance company has their own set of rating criteria, so the rates from one insurer may be significantly different from another. Insurance companies base their rates on many different factors, some of which are not under your control.
Compare Car Insurance Rates
It only takes about five minutes to get multiple estimates from different companies in your area. Prepare to pay more for physical damage coverage than liability coverage. Liability averages about $449, while physical damage insurance costs $456 for the average driver.
Keep in mind when getting a car insurance quote that the Texas state minimum liability limits are 30,000/60,000/25,000. However, you will want to buy more liability insurance than that.
Pay Less for Car Insurance
Liability insurance is a coverage that is very affordable and state minimum requirements are usually not enough insurance for most people.
A car insurance rate comparison can easily be done simply by searching online. People who buy insurance online are more likely to find lower rates because they can compare more rates more quickly.
Lower your Car Insurance with These Tips
Consider dropping physical damage coverage on older vehicles
Filing even a small claim could cause you to lose a discount on your policy
Drivers who tend to get speeding tickets and other violations pay higher premiums
Car insurance rate comparisons should be made every year. This helps you place your coverage with the lowest cost car insurance company.
Many consumers still prefer to use an insurance agent rather than buying insurance on the web. Local insurance agents can give you quotes from many companies approved to sell insurance, and they also provide you with professional advice and guidance. Visit this website