Ways to Shop for, and Get, Low Car Insurance Rates | Charlie Clark Nissan Harlingen Blog

Nobody wants to spend more than we need to for car insurance, but it isn’t always obvious how to shop for, and get lower rates. Many insurance companies, large and small, are competing for your business, most of which have an overwhelming assortment of policy options, making it hard to compare policies and figure out who’s offering lower car insurance rates.

Everyone Claims They Have the Lowest Rates But Shop Around!

Some companies spend a lot of money on commercials to convince you that they offer the lowest car insurance rates. But no single insurer is the low-price leader for everyone. Take use of the comparison tools located on specific websites. These tools allow you to examine the costs of several providers so you can determine which option works best for your budget and needs.

Local and Regional Insurance Companies

Just four companies control more than half of the nation’s auto insurance business. But consider that smaller, regional insurers often have higher customer satisfaction ratings than the big names and may have lower car insurance rates.

Discounts? Just Ask!

Insurers provide car insurance discounts, which can mean lower insurance rates for customers who own a car with certain safety and anti-theft features, those who bundle their car insurance with other policies (such as homeowners), insure multiple cars on one policy, have a clean driving record, pay their premium up front, agree to e-receipts, and to those who are members of professional organizations or affiliate groups.

Ensure Your Credit Score is as High as Possible

Your credit score is a significant factor in the car insurance quotes you receive except for in a few states. Insurance companies say customers’ credit has been shown to correlate with their chances of filing claims. Improve your credit, and get lower insurance rates, by paying your bills on time and reducing your debt.

Older Car? Consider Skipping Comprehensive and Collision Coverage

Collision coverage pays to repair the damage to your vehicle from another car or an object. Comprehensive pays to repair vehicle damage from weather, animal crashes, floods, fire, vandalism, and car theft. But the maximum payout under either policy is limited by the value of the car if it’s totaled or stolen.

Higher Deductibles = Lower Monthly Premiums

If you buy comprehensive and collision coverage, you can save money by opting for higher deductibles. There is no deductible on liability insurance, which pays for the damage you cause others in an accident.

Consider Usage-Based or Pay-Per-Mile Insurance

If you’re a safe driver who doesn’t log many miles, consider a usage-based insurance program. By signing up for these programs, you let the insurer track your driving in exchange for possible discounts based on how much you drive, when you drive, and how well you drive.

Check Insurance Costs When Considering a New or Used Car

You probably already pay attention to factors such as fuel efficiency and repair costs when picking a car to buy, but you should also consider insurance premiums. Not every car or truck costs the same to insure. A quick phone call to your insurer can offer you up-front costs associated with the vehicle and how savings could be applied.

Once you’ve got your insurance information researched and are ready to step into a new vehicle, be sure to contact us at Charlie Clark Nissan in Texas. We have 11 new and used dealership locations to serve you. Call, click, or come by today to schedule your next test drive!

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