When it comes to comparing home, auto or life insurance rates, it’s important to start your research sooner than later. Insurance can be a challenging item to navigate alone. Purchasing car insurance one year can be cost-effective at that particular moment in time; but if it has been some time since you procured your policy, it may no longer be the best option in the years that follow.
So, When Should You Compare Your Insurance Rates?
We highly recommend comparing and re-checking your insurance rates once every three to five years for drivers that have a clean record. However, if you have less than perfect credit, have experienced a recent large increase, or would like to change your policy coverage options, then consider contacting a local agent to review your auto insurance plan at your next renewal.
Compare Car Insurance After an At-Fault Accident
If you’ve recently had a negligent accident, it could be beneficial to begin comparing your auto insurance costs upon your next renewal after your claim. Rates for auto insurance can increase after an at-fault fender bender, which can impact your policy rates for the next 5 years. Obtaining a comparison on your auto insurance rates soon after an accident might help you lower your costs, as not all insurance providers have the same rate surcharge for at-fault accidents.
Compare Auto Insurance by Age
Youthful drivers, which are those under the age of 25, and senior drivers, could pay a higher cost when it comes to car insurance coverage. This is due to the higher claims costs that carriers historically bear, for the drivers in these age groups. Consequently, the insurance cost of auto policies can be more costly for drivers that are within this demographic. Now, if you have a clean driving record, and consider yourself a careful driver, then we suggest you contact our agency so that one of our licensed insurance professionals can provide you with a free, no obligation comparison on your auto insurance costs.
Compare Car Insurance by Discounts Offered
Comparing your insurance rates every few years can enable you to target insurer carriers that provide many of the most popular auto insurance discounts, and this can help save on your costs. Now, there are several unique types of discounts insurance agencies can offer. As a result, while you are searching, we highly recommend looking for insurance companies that provide the following discounts:
- Discounts through policy bundles
- Discounts for defensive driving courses
- Discounts for Veterans and current Military
- Low annual miles driven discounts
What’s the best way to compare car insurance quotes online?
Comparing rates for auto insurance is not an elementary task, and in the state of Texas specifically, insurance policies can differ by company. The specific cost for deductibles, policy forms and unique policy features can vary. We understand that choosing the best auto insurance company and policy that will best meet your needs and budget can sometimes seem daunting, but we want you to know that you don’t have to do it alone.
At Roger Welch Agency, we take the time to review and compare auto insurance policy options from many of the top-rated insurance carriers in Texas. No matter your individual needs, concerns, or cost, our team of local insurance advisors can provide guidance on the best available policy for purchase, and at no obligation. It’s easy. Just reach out to our team for a free quote today.