I can’t think of a single person who likes buying insurance, especially when the cost is too high.
A recent NerdWallet.com study revealed that a large majority of drivers kept buying from the same company for a minimum of four years, and almost 40% of drivers have never compared quotes from other companies. With the average premium in Texas being $2,700, drivers could save $1,766 each year just by comparing rates, but they just don’t want to compare rate quotes.
How to save money on Kia Stinger insurance in Laredo
Really, the only way to get more affordable auto insurance rates in Laredo is to make a habit of comparing prices annually from companies in Texas. You can compare prices by following these guidelines.
- First, get an understanding of how companies set rates and the steps you can take to prevent high rates. Many rating criteria that increase rates like traffic violations and a not-so-good credit score can be controlled by making minor driving habit or lifestyle changes.
- Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can provide prices from multiple companies.
- Third, compare the new rate quotes to your existing coverage to see if a cheaper price is available. If you find a lower rate quote and make a switch, ensure there is no coverage lapse between policies.
- Fourth, provide adequate notice to your current company of your decision to cancel your current car insurance policy. Submit payment and a signed application for the new policy. Immediately upon receiving it, safely store the certificate of insurance somewhere easily accessible.
A valuable tip to remember is that you use the same deductibles and limits on each quote request and and to get quotes from as many companies as feasibly possible. This provides an accurate price comparison and a better comparison of the market.
Insurance companies such as State Farm and GEICO promote their brand names with advertising and it can be hard to see past the corporate glitz and take the time to shop coverage around.
You should make it a habit to compare prices every six months since prices are constantly changing. Even if you think you had the lowest rates on Kia Stinger insurance in Laredo at your last renewal you can probably find a lower rate today. Block out anything you think you know about insurance because we’re going to demonstrate the tricks you need to know to properly buy coverages while reducing your premium.
If you have auto insurance now, you will definitely be able to get lower rates using the concepts covered in this article. Finding affordable auto insurance coverage in Laredo is much easier if you know where to start. Nevertheless, Texas consumers need to have an understanding of how companies determine prices and use it to find better rates.
These discounts can lower your insurance rates
Some insurers don’t always advertise the complete list of policy discounts in an easy-to-find place, so the following list contains some of the more common as well as the least known discounts you could be receiving when you buy Laredo car insurance online.
- Mature Driver Discount – Seniors could receive reduced rates.
- Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
- Early Signing – Some insurance companies reward drivers for renewing your policy prior to your current Stinger insurance policy expiring. This can save 10% or more.
- Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are less likely to be stolen and qualify for as much as a 10% discount.
- Homeowners Savings – Simply owning a home can save a few bucks due to the fact that maintaining a home requires a higher level of personal finance.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted insurance rate on car insurance if you buy life insurance.
- College Student Discount – Older children who live away from home to go to college and don’t have a car may be able to be covered for less.
One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Most only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears you can get free auto insurance, insurance companies aren’t that generous.
The best insurance companies and some of their more popular discounts are outlined below.
- American Family may include discounts for multi-vehicle, bundled insurance, early bird, accident-free, Steer into Savings, and good student.
- State Farm includes discounts for multiple policy, defensive driving training, anti-theft, good driver, and accident-free.
- 21st Century offers premium reductions for homeowners, good student, air bags, defensive driver, student driver, anti-lock brakes, and 55 and older.
- Travelers offers discounts including student away at school, good student, multi-car, continuous insurance, save driver, IntelliDrive, and hybrid/electric vehicle.
- GEICO may have discounts that include good student, multi-vehicle, defensive driver, seat belt use, air bags, and military active duty.
If you are trying to find affordable Kia Stinger insurance quotes, ask all the companies which credits you are entitled to. A few discounts might not be available to policyholders in your area.
When comparison shopping, comparing all the rates in your area helps locate the best price.
The companies shown below have been selected to offer quotes in Laredo, TX. To find the best car insurance in Laredo, we recommend you get prices from several of them to get the cheapest price.
When should I contact an agent?
Many drivers would prefer to sit down and talk to an agent and that can be a great decision One of the great benefits of comparing insurance online is you may find cheap rate quotes and still choose a local agent.
Upon completion of this quick form, your information is instantly submitted to participating agents in Laredo that can give you free Laredo car insurance quotes for your coverage. You won’t even need to drive around since price quotes are sent instantly to you. You’ll get the best rates without requiring a lot of work. If you need to get a rate quote from a specific company, feel free to go to their quote page and complete a quote there.
Picking the best insurance company requires more thought than just a cheap quote. These questions are important to ask:
- Do the agents have professional certifications like CPCU or CIC?
- Which companies do they recommend if they are an independent agency?
- When do they do a full risk review?
- Will the agent or a CSR service your policy?
- Does the company have a solid financial rating?
If you want a local insurance agency, you need to know there are two different agency structures and how they are distinctly different. Laredo agents are categorized either independent or exclusive.
Exclusive Agencies
Agents of this type can only provide pricing for a single company and examples are State Farm or Allstate. Exclusive agents cannot provide prices from multiple companies so always compare other rates. Exclusive agencies are usually well trained on their company’s products and that can be a competitive advantage.
Listed below is a list of exclusive agents in Laredo that are able to give price quote information.
Texas Farm Bureau Insurance – Melissa Arce
1505 Calle Del Norte Dr #210 – Laredo, TX 78041 – (956) 712-3276 – View Map
Allstate Insurance Agent: Jorge A Monsivais
414 Shiloh Dr Unit 1 – Laredo, TX 78045 – (956) 722-0087 – View Map
Allstate Insurance Agent: Mike Cortez
201 W Del Mar Blvd Ste 16 – Laredo, TX 78041 – (956) 723-6453 – View Map
Independent Agencies or Brokers
These agents do not work for one specific company and that is an advantage because they can write policies with an assortment of companies and potentially find a lower price. To move your coverage to a new company, your policy is moved internally and you don’t have to switch agencies.
If you need cheaper insurance rates, you need to compare prices from multiple independent agents so that you have a good selection of quotes to compare.
Below is a short list of independent agencies in Laredo that can give you price quotes.
Gonzalez H P Insurance Agency
1910 Corpus Christi St – Laredo, TX 78043 – (956) 725-5015 – View Map
J.J. MARTINEZ INSURANCE AGENCY
2101 Springfield Ave – Laredo, TX 78040 – (956) 723-7480 – View Map
Amco Insurance
505 Lafayette St – Laredo, TX 78041 – (956) 722-5300 – View Map
If you get satisfactory answers to your questions as well as inexpensive Kia Stinger insurance in Laredo quotes, you have narrowed it down to a car insurance agent that can be trusted to provide insurance coverage. It’s important to know that you are entitled to cancel your policy at any point so don’t think you are locked into the insurance policy for the full term.
Texas auto insurance companies
Insuring your vehicle with a highly-rated auto insurance provider can be a challenge considering how many companies provide coverage in Texas. The ranking information in the lists below may help you select which providers to look at comparing prices 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
Compare but don’t skimp
We just covered a lot of tips how to reduce Kia Stinger insurance prices online in Laredo. It’s most important to understand that the more companies you get rates for, the higher your chance of finding low cost Laredo car insurance quotes. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. They may often insure only within specific states and give better rates as compared to the big name companies such as Allstate and Progressive.
When shopping online for insurance, make sure you don’t reduce needed coverages to save money. There are too many instances where someone dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.
Steps to finding affordable quotes for Kia Stinger insurance in Laredo
The best way to get the cheapest Kia Stinger insurance in Laredo is to start comparing prices yearly from providers in Texas. Rate comparisons can be done by following these steps.
- First, try to learn a little about the different coverages in a policy and the factors you can control to prevent rate increases. Many rating criteria that result in higher rates like accidents, careless driving, and a negative credit rating can be remedied by making minor driving habit or lifestyle changes.
- Second, compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or State Farm, while agents who are independent can give you price quotes from multiple companies.
- Third, compare the quotes to your existing policy to see if cheaper Stinger coverage is available in Laredo. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.
- Fourth, tell your current company to cancel your current policy and submit a completed application and payment to the newly selected company. As soon as coverage is bound, place the new proof of insurance certificate in an easily accessible location.
A good tip to remember is to make sure you’re comparing the same coverage limits and deductibles on each quote and and to get price quotes from as many different companies as possible. This guarantees a fair price comparison and the best price quote selection.
To read more, feel free to browse the articles below:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest for Drivers Under 21 in Laredo? (FAQ)
- How Much is Auto Insurance for a GMC Sierra in Laredo? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers with a Bad Driving Record in Laredo? (FAQ)
- Who Has Cheap Laredo Car Insurance for Unemployed Drivers? (FAQ)
- Who Has Cheap Auto Insurance for Homeowners in Laredo? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Drunk Driving Statistics (Insurance Information Institute)
- Winter Driving (Insurance Information Institute)