4 Things to Consider When Choosing a Low Cost Auto Insurance in Texas

We all know how important a purchase good auto insurance is. However, it isn’t always easy to find a low cost auto insurance policy...


We all know how important a purchase good auto insurance is. However, it isn’t always easy to find a low cost auto insurance policy that also provides the coverage we need. That’s why Gainsco has pooled four critical factors you’d need to know about when buying a policy in Texas.

Our expert agents say this is what you should concentrate on:

Choose a Small Car Insurance Company

Instead of going for the largest insurance company you can find in your area, select a small one. Here are some reasons that make a smaller insurer a better choice:

  • You will usually end up paying lower premiums for good coverage policies. That’s because small car insurers don’t have huge overhead costs and spend less on marketing than the giants of the industry. It is also why they are a perfect choice for high-risk drivers!
  • You will get better customer service at a smaller regional company. They don’t have tens of millions of drivers to insure and serve
  • For owners of a high-powered sports car looking to insure their vehicle or those who have a classic car, a small insurer with specialty car insurance offers better protection


Run a Rate Check Annually

The Consumer Reports National Research Center reported only 10 percent of their subscribers compared the price they were paying for insurance year in year out. At the end of each year, it would serve you well to compare the rates offered by multiple insurers. You can do it online easily with the help of sites such as Insure.com, Answer Financial, etc. Even if you don’t get quotes from the companies immediately, their agents are always looking for new clients. They will get in touch with you!

Grab those discounts



There are so many kinds of discounts just waiting out there for you. Not taking advantage of those you qualify for is almost a crime! Browse through them, and you will see, for instance, insurance companies reward drivers who make short commutes. Then there are discounted rates for vehicles fitted with car alarms and other safety devices. The Insurance Information Institute recommends passing a defensive driving course and getting 10% off insurance for drivers over 55. Certain insurance companies also base your premiums on how many miles you drive annually. These discounts are called pay-as-you-drive and have a limit of 19,000 miles. 

Check out the lowest rates based on your attributes

When it comes to pricing, car insurance rates differ from state to state. However, most drivers miss out on another important factor that influences the premiums they pay. The price quoted to you by an insurer also considers the kind of driver you are. That means they weigh how much of a potential risk you are and quote accordingly. For instance, according to NerdWallet, one company offers drivers with one at fault crash the cheapest car insurance in Texas. But if you rank as a Good Driver, then that company may not be the one for you. Instead, you should look for the one that rewards your faultless driving record! The same theory would apply for Young Drivers vs. ones who are above 55.

Bonus: Comparative insurance shopping yields the best quotes

Don’t agree to purchase car insurance from an insurer before you have checked out quotes from at least three companies! Moreover, when you pick from both local and regional companies to compare, you will have a huge pool from which to select. The trick to save money and pay less for better coverage depends on how many comparisons you can make. Keep in mind though that each company uses a unique formula to calculate the rates they offer. Some will lean heavily on the type of car a customer drives while the major focus for another could be the annual mileage. So, when comparing two policies, make sure you enter the same requirements for both. Otherwise, you may think you are getting a deal with a less expensive policy initially. However, when the time comes, you discover you aren’t getting the kind of coverage you thought you were! 

You stand to save as much as 32% on auto insurance by comparing quotes from different companies. Don’t miss that chance! 

Author Bio:
About Michelle Joe: Michelle Joe is a blogger by choice. She loves to discover the world around her. She likes to share her discoveries, experiences, and express herself through her blogs. You can find her on twitter: @michellejoe524

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Vyas Infotech: 4 Things to Consider When Choosing a Low Cost Auto Insurance in Texas
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