Have you finally had enough of wondering where the money will come from to buy auto insurance? You are in the same boat as many other Texas consumers.
Shocking but true, nearly 70% of customers renewed their policy with the same company for at least four years, and almost half have never shopped around. Texas consumers could save themselves roughly $1,800 a year by just comparing quotes, but they don’t understand how simple it is to compare other rate quotes.
Big companies like Allstate, Liberty Mutual and State Farm all claim big savings with advertising and it is challenging if not impossible to ignore the promise of big savings and find the best price available.
It’s smart to compare rates on a regular basis because prices fluctuate regularly. Just because you found the best rates on Buick Century insurance in Laredo on your last policy the chances are good that you can find a lower rate quote today. Block out anything you think you know about auto insurance because I’m going to teach you the only way to properly buy coverages and cut your premium.
If you have a current auto insurance policy, you should be able to find better prices using this information. Locating the best insurance company for you in Laredo seems hard but is not really that difficult. But Texas vehicle owners must comprehend the methods companies use to determine prices.
Cheap companies for Buick Century insurance in Texas
The auto insurance companies shown below are ready to provide comparison quotes in Laredo, TX. If you want to find the best cheap car insurance in Texas, we suggest you get price quotes from several of them to get a more complete price comparison.
Car insurance discounts help lower rates for Buick Century insurance in Laredo
Some insurance providers do not list all possible discounts very well, so the list below contains some of the more common in addition to some of the lesser obvious credits available to bring down your rates.
- Sign Online – Some of the larger companies give back up to $50 get Laredo car insurance on their website.
- Student in College – Youth drivers who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
- Driver’s Ed – Cut your cost by having your teen driver participate in a local driver’s education class in school or through a local driver safety program.
- Military Deployment Discount – Having an actively deployed family member could qualify you for better premium rates.
- Early Signing – Some insurance companies provide a discount for buying a new policy before your current expiration date. It could save around 10% when you buy Laredo car insurance online.
- Homeowners Savings – Just being a homeowner may earn you a small savings because owning a home requires personal responsibility.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft so companies will give you a small discount.
- Low Mileage – Keeping the miles down on your Buick may allow you to get discounted car insurance rates on garaged vehicles.
- Accident Waiver – Not really a discount, but a handful of insurance companies permit an accident before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
It’s important to note that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, companies don’t profit that way. But any discount will positively reduce your overall premium however.
A list of car insurance companies and a selection of discounts are included below.
- State Farm offers discounts for student away at school, anti-theft, passive restraint, Steer Clear safe driver discount, and multiple policy.
- Nationwide may have discounts that include good student, business or organization, accident-free, anti-theft, easy pay, Farm Bureau membership, and defensive driving.
- GEICO has discounts for membership and employees, good student, anti-lock brakes, multi-policy, daytime running lights, and anti-theft.
- AAA may include discounts for AAA membership discount, anti-theft, good driver, education and occupation, multi-policy, good student, and pay-in-full.
- 21st Century includes discounts for student driver, anti-lock brakes, automatic seat belts, homeowners, air bags, and early bird.
- The Hartford offers premium reductions for anti-theft, good student, driver training, defensive driver, vehicle fuel type, and air bag.
When quoting, ask all the companies which discounts they offer. A few discounts may not apply to policies in your state. To view providers that offer some of these discounts in Texas, click here.
Informed Drivers Save Money
An important part of buying insurance is that you know the factors that help determine your premiums. If you have some idea of what determines base rates, this allows you to make educated decisions that could help you find lower car insurance prices. Lots of factors are taken into consideration when premium rates are determined. Some of the criteria are obvious such as your driving history, but some are less obvious like where you live or your financial responsibility.
- Safer the car lower the rate – Safe vehicles tend to be cheaper to insure. The safest vehicles reduce occupant injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If the Buick Century scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
- Lower physical damage deductibles cost more – Your deductibles state the amount of money the insured will be required to pay if a covered claim is submitted. Physical damage protection, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. A few examples of covered claims would be collision with another vehicle, damage caused by hail, and damage from wind. The more of the claim you have to pay, the less your car insurance will be.
- The type of vehicle you drive affects your prices – The performance level of the vehicle you are insuring makes a big difference in your rates. Small economy passenger vehicles usually have the lowest rates, but the cost you end up paying is determined by many additional factors.
- Liability protection limits are a factor – The liability section of your policy provides coverage if ever a court rules you are at fault for an accident. Liability provides legal defense to defend your case. It is affordable coverage when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
- Rates increase with policy add-ons – There are many extra bells and whistles that can waste your money if you aren’t diligent. Things like personal injury protection, towing, and additional equipment coverage may not be needed and are just wasting money. You may think they are a good idea when you first buy your policy, but if you have no use for them get rid of them and save.
When should I discuss my situation with an agent?
When choosing a policy, there isn’t really a “perfect” insurance plan. You are unique so your insurance should reflect that
These are some specific questions might point out whether or not you might need an agent’s assistance.
- When would I need additional glass coverage?
- Do I need motorclub coverage?
- Is my vehicle covered by my employer’s policy when using it for work?
- Am I covered if I break a side mirror?
- Are my friends covered when driving my car?
- Do I need replacement cost coverage on my Buick Century?
- Can I afford low physical damage deductibles?
- Why do I need rental car insurance?
- Is pleasure use cheaper than using my Buick Century to commute?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.
Can’t I compare rates from local Laredo auto insurance agents?
Some consumers would rather sit down with an agent and there is nothing wrong with that. One of the great benefits of getting free rate quotes online is that you can obtain lower rates but also keep your business local.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is emailed to companies in Laredo that give free quotes for your car insurance coverage. There is no reason to find an agent since rate quotes are delivered instantly to you. Get lower rates without the usual hassles of price shopping. If you want to quote rates from a specific insurance company, you can always navigate to their website and give them your coverage information.
Picking the best company is decision based upon more than just the quoted price. Here are some questions you might want to ask.
- How is replacement cost determined on your vehicle?
- Do they specialize in personal lines coverage in Laredo?
- Where are claims handled?
- Do they assist clients in filing claims?
- By raising physical damage deductibles, how much would you save?
- What insurance companies do they recommend if they are an independent agent?
- Will their companies depreciate repairs to your car based on the mileage?
Multiple types of auto insurance agents in Laredo
When searching for a local insurance agency, there are two types of agencies that you can choose from. Car insurance policy providers can be described as either exclusive or independent.
Exclusive Insurance Agencies
These agents are contracted to one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to place coverage with different providers so always compare other rates. Exclusive insurance agents are trained well on their company’s products which helps offset the inability to provide other markets.
Listed below is a list of exclusive agencies in Laredo willing to provide comparison quotes.
Kevin Romo – State Farm Insurance Agent
7917 McPherson Rd #208 – Laredo, TX 78045 – (956) 753-9337 – View Map
Farmers Insurance – Rene Benavides
8218 Casa Verde Rd, A-5 – Laredo, TX 78041 – (956) 723-9511 – View Map
Kike Trevino – State Farm Insurance
517 Shiloh Dr #4 – Laredo, TX 78045 – (956) 791-5453 – View Map
Independent Car Insurance Agencies
Independent agents are not employed by one company so they can write business with a variety of different insurance companies and find the cheapest rate. If your premiums go up, the agent simply finds a different carrier and you don’t have to switch agencies. When comparing rates, it’s a good idea to include price quotes from several independent insurance agents for maximum quote selection.
Listed below are independent insurance agencies in Laredo who can help you get comparison quotes.
Alphasure Affordable Insurance Services
1620 Chihuahua St – Laredo, TX 78043 – (956) 729-9500 – View Map
Medina Wright Insurance
1419 Clark Blvd – Laredo, TX 78040 – (956) 722-4618 – View Map
Benavides~Arellano Insurance
5901 McPherson Rd – Laredo, TX 78041 – (956) 723-0688 – View Map
Upon getting answers to your satisfaction to all your questions and an acceptable price quote, it’s possible that you found an auto insurance agent that is a good match to insure your vehicles.
Best auto insurance in Laredo
Ending up with a highly-rated insurance company can be challenging considering how many companies there are to choose from in Laredo. The company rank data in the lists below can help you analyze which auto insurers to look at comparing price quotes from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Car insurance savings summarized
When getting Laredo car insurance quotes online, never buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced collision coverage only to regret at claim time they didn’t purchase enough coverage. Your aim should be to buy enough coverage for the lowest cost but still have enough coverage for asset protection.
We’ve covered a lot of techniques to reduce Buick Century insurance auto insurance rates online in Laredo. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even find the best auto insurance rates are with some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.
Steps to saving on Buick Century insurance in Laredo
To save the most money, the best way to get affordable car insurance rates in Laredo is to compare prices annually from companies who provide auto insurance in Texas. You can compare rates by following these guidelines.
- Step 1: Try to understand what coverages are included in your policy and the changes you can make to drop your rates. Many risk factors that result in higher prices such as inattentive driving and an unacceptable credit score can be remedied by making minor driving habit or lifestyle changes.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for a wide range of companies. Begin your rate comparison
- Step 3: Compare the new rate quotes to your current policy premium to see if a cheaper price is available. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.
- Step 4: Give notification to your agent or company of your intent to cancel your current policy and submit a down payment and signed policy application for your new coverage. Be sure to place your new proof of insurance paperwork in your glove compartment.
One important bit of advice is to use identical limits and deductibles on every price quote and and to look at as many car insurance companies as possible. This helps ensure the most accurate price comparison and the best price selection.
For more information, feel free to browse the following helpful articles:
- Car Insurance: When not to Skimp (BankRate.com)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Learn About Car Insurance (GEICO)