Who wants to pay more for auto insurance than they have to? Not you! Not anyone! Yet, it can feel so difficult to find the coverage you need at a price you are happy with. Some insurance companies will give you the bare necessities for you to drive legally, which are bodily injury and property damage liability with the minimum limits, along with poor customer service and a claims process that makes you want to pull your hair out. This isn’t the only way to stay under budget! Rather than take a chance on a cheap car insurance company, follow a few tips recommended by industry experts:
Drive a sensible, safe vehicle.
Did you know that the kind of car you drive matters to your insurance company? The price and style of your vehicle will impact how much your rates will be. It’s much more affordable to cover a midsize sedan than a fire engine red corvette. The age of your car also matters, as older cars tend to be cheaper to insure because it will cost the insurance company less to replace if it is fully totaled.
Choose the right kind of coverage for your needs.
More coverage is more expensive; that just makes sense! If you drive an older car with high mileage, you can keep your premiums low by dropping collision or comprehensive coverage.
Increase your deductible.
Higher deductibles can significantly lower car insurance premiums, which means how much you pay each month to keep your insurance coverage active. It could mean more out-of-pocket expenses in the event of an accident, so be careful!
Keep your car somewhere safe.
Car insurance covers more than a wreck. A portion of your rates are determined by the area in which you live and park your car. This is because theft and vandalism are also covered, and a high-crime area or home with no garage make this more probable.
Be a safe driver.
This is the best way to ensure you get a great price on your car insurance. Your driving record goes a long way toward paying a price you are happy with. Insurance rates typically increase after an accident or moving violation, so be careful out there!
Pronto Insurance never makes Austin, TX drivers choose between great insurance and a fair price. We offer many ways to get low rates, including our Texas car insurance discounts. But what really makes us unique is the quality we offer beyond a low price. Our app makes it easy to pay your insurance and file a claim right from your phone. Whether you use the app, call on the phone, or send an email, our customer service is second to none. After all, what good is cheap insurance if you cannot actually get ahold of anyone to make a claim?
Whether you have a clean driving record or not, Pronto Insurance offers amazing prices. Look into how low-priced and high-value your Texas car insurance will be when you go through us. You can choose the auto insurance policies that suit your lifestyle, coverage needs, and budget!