If saving the most money is your goal, then the best way to find more affordable car insurance rates is to regularly compare quotes from insurers that insure vehicles in Plano. You can shop around by following these steps.
- Step 1: Try to comprehend individual coverages and the factors you can control to prevent high rates. Many rating factors that result in higher rates like inattentive driving and an imperfect credit rating can be eliminated by being financially responsible and driving safely. Continue reading for more information to keep prices down and find overlooked discounts.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO and State Farm, while agents who are independent can give you price quotes from multiple insurance companies.
- Step 3: Compare the new rate quotes to the price on your current policy to see if a cheaper price is available. If you find better rates, make sure there is no lapse in coverage.
- Step 4: Tell your current agent or company of your intent to cancel your existing policy and submit a down payment along with a signed application to your new company or agent. Be sure to keep your new proof of insurance certificate in your glove compartment.
The critical component of shopping around is that you use the same deductibles and limits on every quote request and and to get price quotes from as many car insurance companies as possible. This guarantees a fair rate comparison and and a good selection of different prices.
It’s an obvious statement that car insurance companies don’t want policyholders to shop around. Drivers who shop around once a year will presumably buy a new policy because they have a good chance of finding a lower-priced company. A study discovered that consumers who regularly compared price quotes saved $70 a month compared to other drivers who never shopped around for cheaper prices.
If finding the cheapest price on insurance is your intention, then having an understanding of how to get price quotes and compare insurance coverage can save money and time.
The best way to compare insurance rates in your area is to take advantage of the fact car insurance companies participate in online systems to compare their rates. To get started, all you need to do is give them some information like an estimate of your credit level, if you are currently licensed, driver ages, and distance driven. Your rating data is instantly submitted to insurance carriers in your area and you should receive rate quotes quickly.
To compare cheaper Buick Park Avenue insurance rates now, click here and complete the quick form.
The providers in the list below have been selected to offer free quotes in Plano, TX. To find cheap auto insurance in Plano, we recommend you compare several of them to get the most competitive price.
Discount Plano car insurance rates
Companies don’t always publicize every discount they offer in an easy-to-find place, so we took the time to find a few of the more common and the harder-to-find ways to save on car insurance.
- Buy New and Save – Insuring a new Park Avenue may earn a small discount because new vehicles have to meet stringent safety requirements.
- Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% with a few car insurance companies.
- Braking Control Discount – Vehicles with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
- Bundle and Save – If you have multiple policies with one company you may earn as much as 10 to 15 percent.
- Early Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
- Discount for Good Grades – Excelling in school can save 20 to 25%. The good student discount can last well after school through age 25.
- Sign Online – A few larger online companies give back up to $50 get Plano auto insurance on their website.
- Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies allow you one accident before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.
It’s important to understand that most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you could get a free car insurance policy, that’s just not realistic.
A list of companies and their offered discounts are outlined below.
- Progressive policyholders can earn discounts including good student, multi-policy, homeowner, continuous coverage, and online signing.
- MetLife may have discounts that include claim-free, good driver, multi-policy, good student, and accident-free.
- Mercury Insurance has savings for ease of repair, anti-theft, multi-policy, age of vehicle, and good student.
- Nationwide offers discounts for easy pay, multi-policy, accident-free, defensive driving, business or organization, and Farm Bureau membership.
- GEICO offers premium reductions for seat belt use, military active duty, anti-lock brakes, air bags, daytime running lights, multi-vehicle, and good student.
- AAA may offer discounts for good driver, multi-policy, multi-car, education and occupation, good student, AAA membership discount, and anti-theft.
Check with all the companies the best way to save money. Depending on the company, some discounts might not apply in every state.
Auto insurance does more than just repair your car
Even though it’s not necessarily cheap to insure a Buick in Plano, insurance may be required for several reasons.
- Almost all states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability insurance if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Park Avenue, more than likely the lender will require that you carry insurance to guarantee loan repayment. If coverage lapses or is canceled, the lender will be forced to insure your Buick at a much higher rate and force you to reimburse them much more than you were paying before.
- Insurance safeguards both your car and your assets. It also can pay for medical expenses incurred in an accident. Liability coverage, the one required by state law, will also pay to defend you if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of carrying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. But the average driver in Texas is overpaying more than $700 annually so it’s very important to do a rate comparison each time the policy renews to help ensure money is not being wasted.
Different people need different insurance coverages
Always remember that when buying a policy, there really is not a “perfect” insurance plan. Your needs are unique to you so your insurance needs to address that.
These are some specific questions may help highlight whether you would benefit from professional advice.
- Does my policy cover me when driving someone else’s vehicle?
- Are my friends covered when driving my car?
- What is the difference between personal and commercial auto insurance policies?
- How much liability coverage do I need in Texas?
- Am I covered when pulling a rental trailer?
- How do I insure my teen driver?
If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.
Compare rate quotes but work with a neighborhood Plano auto insurance agent
Some consumers would rather sit down with an agent and that can be a smart move One of the great benefits of price shopping on the web is that drivers can save money and get cheaper car insurance rates and still have a local agent.
To find an agent, once you fill out this simple form, the coverage information is immediately sent to companies in Plano that can give you free Plano auto insurance quotes for your coverage. You never need to search for any insurance agencies because prices are sent directly to your email. You can find the lowest rates and a licensed agent to work with. If you wish to get a price quote for a specific company, don’t hesitate to find their quoting web page to submit a rate quote request.
Picking an insurer should include more criteria than just the bottom line cost. Agents should be asked these questions:
- Where would your vehicle be repaired?
- Do they offer accident forgiveness?
- How experienced are they in personal risk management?
- How would your car be valued if totaled?
- Does the agency support the community they serve?
- Is the agent CPCU or CIC certified?
- Will you get a loaner vehicle if you car is being repaired?