Learn Proven Ways to Save on Brownsville, TX Car Insurance

Nobody I know enjoys paying for car insurance, particularly when the price is too high. Many insurance companies vie to insure your vehicles, and it can be difficult to compare rates to find the absolute lowest rate

Consumers should take time to check car insurance prices before your policy renews since insurance rates change frequently. Just because you had the lowest price last year you can probably find a better price now. So ignore everything you know about car insurance because we’re going to show you the tricks you need to know to save on car insurance.

How to Get Cheap Car Insurance in Brownsville, Texas

There are a lot of ways to compare car insurance quotes, but there is one way that is easier and takes less work. You could spend the better part of a day talking about coverages with agents in Brownsville, or you can utilize online quotes to accomplish the same thing much quicker.

All the larger companies take part in a program that enables customers to submit one quote, and at least one company then gives them pricing based on that information. This saves time by eliminating repetitive form submissions to every company.

To submit your quote information now, click here to open in new window.

The single downside to using this type of system is you are unable to specify the insurers to receive prices from. So if you want to choose specific insurance companies to compare rates, we have a page of the cheapest car insurance companies in Texas. View list of Texas insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same quote information for each price quote. If you use unequal deductibles or liability limits it’s impossible to decipher which rate is best in Brownsville.

Drivers who switch save $485 a year? Really?

Consumers get pounded daily by advertisements for cheaper car insurance by companies like GEICO, State Farm and Progressive. All the companies have a common claim that you can save if you change to them.

How does each company make the same claim?

All the different companies can use profiling for the driver that earns them a profit. A good example of a profitable customer could possibly be a mature driver, a clean driving record, and has a short commute. A propective insured that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who are not a match for these standards will have to pay a more expensive rate which leads to the customer not buying. The ads say “people who switch” but not “drivers who get quotes” save that kind of money. This is how companies can state the savings. Because of the profiling, it’s extremely important to get as many comparisons as possible. Because you never know the company that will fit your personal profile best. save money image

Discounts are basically free money

Companies don’t always list every discount very well, so here is a list some of the best known and also the lesser-known ways to save on car insurance. If you don’t get every credit you qualify for, you are throwing money away.

Military Discounts – Being on active duty in the military can result in better rates.
Federal Employees – Employees or retirees of the government can save as much as 8% with select insurance companies.
Drive Less and Save – Fewer annual miles could qualify for a substantially lower rate.
Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
More Vehicles More Savings – Having multiple cars or trucks on the same car insurance policy qualifies for this discount.
One Accident Forgiven – Some insurance companies allow you one accident before your rates go up as long as you don’t have any claims prior to the accident.
Life Insurance – Larger companies have better rates if you take out life insurance.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

What about using a local agent?

Some people would prefer to buy from a local agent. Licensed agents can answer important questions and help submit paperwork. One of the great benefits of comparing rates online is you can get better rates and still choose a local agent.

To find an agent, once you fill out this simple form, your insurance data is immediately sent to participating agents in Brownsville who will give you bids for your insurance coverage. There is no need to leave your house since price quotes are sent directly to your email. How cool is that?!

Choosing an insurer requires more thought than just the price. Some important questions to ask are:

If your car is totalled, how to they determine the replacement cost?
What insurance company do they write the most business with?
How long have they worked with personal auto insurance coverage?
Are claims handled at the agent’s location?
How long has their agency been open in Brownsville?

Choose an insurance agent wisely

When researching a good insurance agency, there are two different types of agents to choose from. Agents are classified as either independent or captive. Either one can insure your vehicles, but it’s worth mentioning the differences since it may influence the selection process.

Captive Insurance Agents

Captive agents can only place business with one company like American Family, State Farm and Allstate. They are unable to compare other company’s rates so they have to upsell other benefits. Captive agencies are trained well on their company’s products which can be an advantage.

Below is a short list of captive insurance agencies in Brownsville who may provide you with price quote information.

Farmers Insurance Group – 1514 E Los Ebanos Blvd – Brownsville, TX 78520 – (956) 541-7033
Allstate Insurance – 2969 Southmost Rd # C – Brownsville, TX 78521 – (956) 544-6445

Independent Agents

Independent agencies do not work for one specific company but instead can place your coverage amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally and that require little work on your part. When shopping rates, we recommend you get quotes from at least one independent agent to ensure the widest selection of prices.

The following are Brownsville independent agencies that are able to give comparison quotes.

Statewide Auto Insurance – – Brownsville, TX 78520 – (956) 546-9001
Sanborn’s Mexico Insurance – 1945 N Expressway # 77 – Brownsville, TX 78520 – (956) 546-6644
Kay Conly Agency – 2401 Boca Chica Blvd – Brownsville, TX 78521 – (956) 542-0222
Nafta General Agency Inc – 2929 International Blvd – Brownsville, TX 78521 – (956) 546-8141
Ruben Garcia Agency – 434 Paredes Line Rd # B – Brownsville, TX 78521 – (956) 544-2464

To view a complete directory of insurance agents in Brownsville, click here to link.

Upon receiving satisfactory answers to your questions as well as a affordable price, chances are good that you have found an insurance agency that will properly service your car insurance policy.

More detailed Texas car insurance information is located at the Texas Department of Insurance website. Consumers can view agent and company licensing information, learn about specific coverages, report car insurance fraud, and read enforcement actions against agents and companies.

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The best insurance company isn’t always the cheapest

We just covered some good ideas how to reduce car insurance prices online. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

As you shop your coverage around, never sacrifice coverage to reduce premiums. There are too many instances where an insured cut collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at a price you can afford.