Buying Cars HER Way

Auto insurance is one of those required expenses that many people don’t pay much attention to once it’s purchased.  It just seems easier to renew your policy in 6 to 12 months, rather than shopping around for a better rate.  However, would saving 20 to 30% on your annual bill by shopping for cheaper car insurance making it worth your effort???  I think most people would say Yes!

Get 3-5 Auto Insurance Quotes

It’s best to compare 3 to 5 car insurance quotes before deciding to switch. Here’s a good place to start:

1.    21st Century Auto Insurance
2.    Esurance Auto Insurance
3.    GEICO
4.    Progressive Auto Insurance
5.    Allstate Auto Insurance
6.    State Farm Insurance
7.    Nationwide Auto Insurance
8.    American Family Insurance
9.    Hagerty Auto Insurance
10.    Liberty Mutual Auto Insurance

Tips For Savings

• Pay your premium up front
• Avoid duplicating medical coverage
• Do you Carpool? If so, you can reduce your mileage!
• Join an association or club (like AAA)
• Combine all of your insurance policies under one roof
• Have a Teen Driver? Seek Teen driver discounts!
• Ask about the following discounts:
  • defensive driving discounts
  • low mileage discounts
  • no accidents or moving violations
  • discounts for day time running lights
  • multiple airbags
  • anti-lock breaks
  • policy renewal discounts
  • and other safety features

The Texas Department of Insurance also provides the following tips can help you find the best deal for your money:

• Decide before shopping what coverages you need.
• Consider choosing a higher deductible. The deductible is the amount you must pay before the insurance company will pay. Higher deductibles will lower your premium, but you’ll have to pay more out of your own pocket if you have a claim.
• Get price quotes from several companies. Make sure the quotes are for the same coverages.
• When getting a price quote or applying for insurance, answer questions truthfully. Wrong information could result in an incorrect price quote or could lead to a denial or cancellation of coverage.
• Ask your agent if you qualify for any discounts the company offers.
• Consider factors other than price, including a company’s financial rating, complaint index, and license status. The financial rating indicates a company’s financial strength and stability, and the complaint index is an indication of its customer service. Buy only from licensed companies and agents. It is against the law to sell insurance without a license in Texas.

You can also download and use the Shopping for Auto Insurance Company/Policy Comparison Worksheet to help you gather information about companies and the policies they offer!

autoworksheet

May The Best Quote Win!