It’s safe to conclude that auto insurance companies want to prevent you from shopping around. People who get price comparisons are inclined to switch auto insurance companies because they have good chances of finding a cheaper policy. A study discovered that people who routinely shopped around saved over $3,500 over four years as compared to drivers who don’t make a habit of comparing rates.
If finding the cheapest price on auto insurance in Plano is your intention, then having a grasp of how to find and compare coverages can make the process more efficient.
If saving the most money is your goal, then the best way to get affordable car insurance rates is to start comparing prices regularly from insurers that insure vehicles in Plano. Drivers can shop around by following these steps.
Step 1: Try to learn a little about car insurance and the factors you can control to prevent expensive coverage. Many factors that increase rates such as traffic citations, accidents, and a negative credit rating can be remedied by improving your driving habits or financial responsibility.
Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple sources.
Step 3: Compare the new rate quotes to your existing policy to see if you can save by switching companies. If you find a better price and change companies, verify that coverage does not lapse between policies.
An important part of this process is to compare similar deductibles and liability limits on each quote request and and to get price quotes from as many different insurance providers as possible. Doing this guarantees an apples-to-apples comparison and a complete selection of prices.
If you have insurance now or are just looking to switch companies, you can follow these tips to find the best rates and possibly find even better coverage. Finding affordable auto insurance coverage in Plano is actually not that difficult if you follow our advice. Shoppers just need to understand the most efficient way to compare insurance rates online.
Quote Mercedes-Benz SLS AMG Insurance More Affordably
One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that go into determining your insurance rates. If you know what determines base rates, this allows you to make educated decisions that may reward you with lower insurance prices.
Drive a safer car and pay less – Safe vehicles tend to be cheaper to insure. Vehicles built for safety reduce injuries and fewer injuries translates directly to fewer claims and cheaper rates on your policy.
Gender matters – Over time, data shows women are more cautious behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Both sexes have fender benders in similar percentages, but the males get into accidents with more damage. Not only are claims higher, but men get ticketed for serious violations like driving under the influence (DUI).
Getting married can lower rates – Having a spouse may save some money on your policy. Marriage means you’re more mature and responsible and it’s proven that married drivers tend to file fewer claims.
Youthful drivers cost more – Older people are more responsible, are lower risk to insure, and are generally more financially stable. Young drivers have a tendency to be less responsible when driving and because of this, their insurance rates are much higher.
Claim-free discounts can add up – Auto insurance companies in Texas provide lower rates to drivers that do not abuse their auto insurance. If you tend to file frequent claims, you can look forward to higher premiums or even policy non-renewal. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
Liability insurance risk factors – The liability coverage on your policy kicks in in the event that a court rules you are at fault for an accident. It will provide you with a defense in court starting from day one. It is affordable coverage compared to comp and collision, so drivers should buy more than the minimum limits required by law.
Demanding employer may mean higher rates – Jobs like fire fighters, architects, and emergency personnel generally have higher average rates in part from intense work situations and lots of time spent away from family. Other professions such as professors, students and performers generally pay rates lower than average.
Finding more affordable Plano auto insurance rates is actually easier than you may think. You just have to take a couple of minutes to compare rates to find the company with the cheapest Mercedes-Benz SLS AMG rate quotes.
Comparing free rate quotes online is easy and it, replaces the need to actually drive to and from local Plano insurance agencies. The ability to get quotes online reduces the need to sit down with an agent unless you want the professional assistance of an agent trained in personal lines coverage. It is possible with some companies compare online quotes but have your policy serviced through an agent.
The companies shown below have been selected to offer comparison quotes in Texas. To get cheap auto insurance in TX, we recommend you visit two to three different companies to get the best price comparison.
Best reasons to buy car insurance in Texas
Despite the high cost, paying for car insurance is a good idea for several reasons.
- Most states have mandatory insurance requirements which means state laws require a minimum amount of liability insurance in order to drive the car. 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 Mercedes-Benz, it’s guaranteed your bank will require you to have full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Mercedes-Benz at a much higher rate and require you to pay much more than you were paying before.
- Insurance safeguards not only your Mercedes-Benz but also your financial assets. It will also reimburse you for all forms of medical expenses for yourself as well as anyone injured by you. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your Mercedes-Benz gets damaged, your car insurance policy will pay to repair the damage minus the deductible amount.
The benefits of having insurance more than cancel out the cost, particularly if you ever have a claim. An average driver in America overpays as much as $820 a year so compare rate quotes every year to make sure the price is not too high.
Slash your auto insurance rates with discounts
Insuring your fleet can be pricey, but there may be some discounts that you may not even know about. A few discounts will be applied when you quote, but a few need to be asked about before you get the savings. If you aren’t receiving every discount you qualify for, you could be getting lower rates.
- Paper-free Discount – Many larger companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
- Theft Prevention Discount – Cars that have factory anti-theft systems are stolen with less frequency so companies will give you a small discount.
- Save with a New Car – Insuring a new SLS AMG can save you some money because newer models have to meet stringent safety requirements.
- Memberships – Participating in qualifying clubs or civic groups may earn a discount on your policy.
- Seat Belt Usage – Drivers who require all vehicle occupants to buckle up can save a little on the premium charged for medical payments and/or PIP.
- Claim-Free Discount – Claim-free drivers pay less when compared to accident-prone drivers.
- College Student Discount – Kids living away from Plano attending college and do not take a car to college could get you a discount.
- Passive Restraint Discount – Factory air bags or automatic seat belts may get savings of 20 to 30 percent.
Remember that some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
To find companies who offer free Mercedes-Benz SLS AMG insurance quotes in Texas, click here to view.
Can’t I compare rates from local Plano insurance agencies?
Many people would prefer to sit down with an agent and doing so can bring peace of mind Good agents are highly skilled in risk management and help in the event of a claim. A nice benefit of comparing rates online is you can get cheap rate quotes and still choose a local agent. And supporting local agencies is important especially in Plano.
After completing this form (opens in new window), the coverage information is immediately sent to participating agents in Plano that can provide free Plano auto insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies since price quotes are sent to you. In the event you want to get a rate quote from one company in particular, you can always navigate to their website and submit a quote form there.
When looking for a local Plano insurance agency, it’s helpful to know the different types of agents and how they can write your policy. Insurance agencies in Plano are classified as either independent or exclusive. Both sell affordable car insurance policies, but it is important to understand how they are different since it may influence the type of agent you choose.
Independent Car Insurance Agencies or Brokers
Independent agencies often have many company appointments so they have the ability to put coverage through lots of different companies and find you cheaper rates. To transfer your coverage to a different company, the business is moved internally and the insured can keep the same agent. When comparing car insurance rates, you will definitely want to get quotes from at a minimum one independent agency so that you can do a thorough price comparison.
The following is a list of independent insurance agents in Plano that can possibly get you free car insurance rate quotes.
Plano, TX Car Insurance – The Gallovich Insurance Agency
1145 14th St #2117 – Plano, TX 75074 – (972) 398-0001 – View Map
Exclusive Insurance Agents
These type of agents can only provide pricing for a single company and some examples include Farmers Insurance and State Farm. They are unable to shop your coverage around so always compare other rates. They are well trained on their company’s products and that allows them to sell at a higher price point.
Listed below is a list of exclusive insurance agencies in Plano that are able to give rate quotes.
Finding the right car insurance agent requires more thought than just a cheap price quote. Some important questions to ask are:
- How much can you save by raising your physical damage deductibles?
- Is every driver in your family covered?
- What insurance companies do they work with in Plano?
- What is the agency’s Better Business Bureau rating?
- Do they feel the quoted coverages are adequate?
- Does the agency provide any after hours assistance?
- If your car is in the repair shop, do you have coverage for a rental car?
Once you have received acceptable answers and a good coverage price, you may have just found an insurance agency that will provide car insurance coverage. Just remember you have the power to cancel your coverage any time you want so don’t assume that you are permanently stuck with any specific agency for any length of time.
Be persistent and save
The cheapest Mercedes-Benz SLS AMG insurance in Plano is definitely available on the web and from local agencies, and you should compare rates from both to have the best selection. There are still a few companies who don’t offer online quoting and usually these smaller providers provide coverage only through independent insurance agents.
We just covered a lot of tips how to shop for Mercedes-Benz SLS AMG insurance online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even find the best price on car insurance is with a small mutual company. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate or State Farm.
When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. In many instances, consumers will sacrifice uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.
- Should I Buy a New or Used Car? (Allstate)
- Who Has Cheap Auto Insurance Quotes for Drivers Under 21 in Plano? (FAQ)
- Who Has Affordable Auto Insurance Rates for Single Moms in Plano? (FAQ)
- Red Light Cameras (State Farm)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Get the Right Protection (InsureUonline.org)