Comparing car insurance rates is easy for Texas drivers, because you have Pronto Insurance!

You wouldn’t walk into the dealership and pay sticker price on the first car you see, of course. You already know that in order to get a good deal on a new car, you need to shop around. Just the same, auto insurance experts recommend shopping around for car insurance quotes. This means comparing them to make sure you’re getting a good deal on a policy. How do you do this exactly?

Your auto insurance rates depend on your track record as a driver, as well as your age, your credit, your vehicle, and your location. For example, having a limited credit score or a poor driving history can raise your rates dramatically. Fair or not, these things matter. Texas car insurance companies weigh these attributes and the result is reflected in your premium.

Just like shopping for a new car, you need to be careful when comparing car insurance rates that you’re actually comparing the same thing. Let’s say you see a brand new Mercedes-Benz sedan at the new car lot. Would it be fair to compare it to an entry-level subcompact car and then say the subcompact car is better because it is cheaper? No way! The luxury car is more beautiful, faster, and has many more amenities. Would it be fair to compare it to a pickup truck? Definitely not, because they were not intended to do the same things. You would need to compare the new Mercedes-Benz to a new Audi or new BMW in order to make an accurate comparison. Keep this lesson in mind when comparing Texas car insurance quotes

Let’s say one company offers the cheapest monthly rate by far, but your deductible is several thousand dollars and doesn’t cover your vehicle in the event of a theft or total loss. Another company’s quote tells you that your monthly insurance bill will be $50 more than the first company. Without properly comparing them, you may say the first offer is better. Yet, if you look further you would discover that the second company is telling you your deductible is only $500 after an accident and your policy covers you if your car is stolen. All of a sudden, when properly comparing them, the second quote is the better choice. If you can learn so much by comparing two rates, think of how informed you’ll be when you compare three, four, or even more!

Insurance companies use your driving past as an indicator of how you will drive in the future. It can be difficult to find affordable car insurance if you have a less-than-great driving history. If this describes you, now is the time to get an online quote through Pronto Insurance. We make it easy to get great coverage, which means it is affordable and helps you in the event of a future accident or mistake. We’re here for Texas drivers!