Have you finally had enough of trying to scrape together enough money to pay auto insurance each month? You’re in the same situation as many other Texas drivers.
It’s an obvious assumption that car insurance companies don’t want you to look for cheaper rates. Drivers who shop around for a cheaper policy will most likely move their business because there is a significant possibility of finding a policy with better rates. A recent survey discovered that drivers who regularly compared price quotes saved over $3,450 over four years compared to drivers who didn’t regularly shop around.
If finding the lowest rates on auto insurance is your intention, then knowing how to find companies and compare car insurance can save time and money.
Steps to finding lower priced Lincoln Continental insurance in Laredo
If you want to save the most money, the best way to get cheaper auto insurance rates is to start comparing prices yearly from companies in Laredo. You can compare rates by following these steps.
- First, get an understanding of how your policy works and the changes you can make to prevent rate increases. Many rating factors that drive up the price such as at-fault accidents, careless driving, and a less-than-favorable credit history can be rectified by paying attention to minor details.
- Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like Progressive or Allstate, while agents who are independent can quote rates for many different companies.
- Third, compare the price quotes to your existing rates to see if switching to a new carrier will save money. If you find a lower rate, make sure there is no coverage gap between policies.
- Fourth, give notification to your agent or company to cancel your current car insurance policy. Submit payment along with a signed and completed policy application to the new insurer. Once received, keep the new certificate verifying coverage in an accessible location in your vehicle.
The key thing to remember is to try to compare the same liability limits and deductibles on every price quote and and to analyze as many companies as feasibly possible. Doing this provides a fair price comparison and many rates to choose from.
Due to the fact that there are so many companies to choose from that have lower-cost insurance for a Lincoln Continental in Laredo, it is hard for the average consumer to choose a more affordable auto insurance company.
It’s important to check auto insurance prices quite often since prices are usually higher with each renewal. Just because you had the best price on Lincoln Continental insurance in Laredo a couple years back there is a good chance you can find better rate quotes now. There are lots of tips to save on Continental insurance on the web, but in this article, you’re going to get some good information on how to find cheap auto insurance in Laredo.
Buying affordable car insurance in Laredo is really quite simple as long as you have a good starting point. If you have a policy now or just want cheaper coverage, take advantage of these tips to cut your premiums without reducing protection. Vehicle owners just have to learn the fastest way to compare prices online.
Companies offering affordable Lincoln Continental rate quotes in Laredo, TX
The auto insurance companies shown below offer price quotes in Texas. In order to find the best car insurance in Laredo, it’s a good idea that you visit several of them to get a more complete price comparison.
Why Your Insurance Prices might be higher
Many factors are used in the calculation when quoting car insurance. A few of the factors are predictable like an MVR report, although others are more transparent such as your marital status or your commute time.
Men are more aggressive – Over time, data shows that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. They both are responsible for auto accidents at a similar rate, but the males cause more damage. Men also receive more costly citations such as reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
Less chance of injury means lower car insurance rates – Vehicles with good safety scores tend to have lower insurance rates. Highly rated vehicles reduce the chance of injuries and any reduction in injury severity translates directly to fewer claims and cheaper rates on your policy. If your Lincoln is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
Performance impacts insurance costs – The make and model of the car or truck you are trying to find cheaper insurance for makes a significant difference in the rate you pay. The lowest base rates are generally reserved for economy passenger models, but that’s not the only thing that factors into the final price.
Add-on coverages push up prices – There are a ton of extra add-on coverages that you can get tricked into buying on your car insurance policy. Add-on coverages like coverage for rental cars, death and dismemberment, and term life insurance are examples of these. The coverages may be enticing at first, but your money might be better spent on other coverage so remove them from your policy.
Buy as much liability as you can afford – Your car insurance policy’s liability coverage is the coverage that protects you if ever a jury decides you are liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
Discount Laredo auto insurance quotes
Auto insurance can be pricey, but you might already qualify for some discounts that you may not even know about. Certain credits will be shown at the time you complete a quote, but a few need to be asked for before being credited.
- No Accidents – Insureds who avoid accidents and claims pay much less as opposed to insureds who have frequent claims or accidents.
- Low Mileage Discounts – Driving fewer miles may allow you to get cheaper auto insurance rates.
- Theft Deterrent Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Paperless Signup – Many companies will give a small break just for signing your application over the internet.
- Student in College – Youth drivers who live away from home at college and do not take a car to college may be insured at a cheaper rate.
A little note about advertised discounts, some credits don’t apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, you won’t be that lucky.
Popular auto insurance companies and some of their more popular discounts are included below.
- GEICO may have discounts that include multi-vehicle, anti-theft, federal employee, good student, air bags, driver training, and anti-lock brakes.
- MetLife policyholders can earn discounts including claim-free, accident-free, defensive driver, good student, good driver, and multi-policy.
- State Farm may include discounts for good driver, multiple autos, safe vehicle, multiple policy, and passive restraint.
- Progressive offers discounts including continuous coverage, homeowner, good student, online quote discount, multi-policy, online signing, and multi-vehicle.
- Mercury Insurance discounts include good driver, location of vehicle, anti-theft, professional/association, and age of vehicle.
- 21st Century includes discounts for automatic seat belts, 55 and older, anti-lock brakes, driver training, early bird, and good student.
- Allstate has savings for early signing, FullPay discount, safe driver, EZ pay plan discount, anti-lock brakes, and resident student.
If you are trying to find the cheapest Lincoln Continental rate quotes, ask each company or agent how many discounts you can get. All car insurance discounts may not apply to policies in your state. To find insurance companies that offer discounts in Laredo, follow this link.
Car insurance quotes from local neighborhood Laredo car insurance agents
A small number of people still prefer to buy from a licensed agent and that is a personal choice. Agents can help determine the best coverages and help file insurance claims. The best thing about comparing car insurance online is you may find the lowest rates and still choose a local agent.
To help locate an agent, after submitting this simple form, your information is emailed to companies in Laredo who will gladly provide quotes for your car insurance coverage. It’s much easier because you don’t need to leave your house since price quotes are sent directly to you. In the event you want to compare rates from a specific insurance company, you just need to go to their quote page and fill out their quote form.
Finding a good insurer requires you to look at more than just a cheap price. Any agent in Laredo should be forthright in answering these questions:
- How long has their agency been in business in Laredo?
- Do they offer claims assistance after hours?
- Do you need full coverage on every vehicle?
- Does the company allow you to choose your own collision repair facility?
- Has the agent ever had any license suspensions?
Is an exclusive or independent auto insurance agent right for you?
When searching for a local Laredo insurance agent, it helps to know the two types of agencies and how they differ in how they can insure your vehicles. Agents can either be exclusive or independent (non-exclusive). Either can sell affordable car insurance policies, but it’s a good idea to understand the difference in how they write coverage because it can factor into your agent selection.
Exclusive Agents
Agents of this type can only provide one company’s prices and examples are AAA, Allstate, and State Farm. These agents are not able to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are usually quite knowledgeable on the products they sell which helps overcome the inability to quote other rates.
Below is a short list of exclusive insurance agents in Laredo that are able to give comparison quotes.
Farmers Insurance – Ricardo Rodriguez
5411 McPherson Rd #101 – Laredo, TX 78041 – (956) 726-1906 – View Map
Allstate Insurance Agent: Powell-Watson Insurance Group
6301 Arena Blvd Ste A – Laredo, TX 78041 – (956) 764-4399 – View Map
Farmers Insurance – Manuel Benavides
4001 McPherson Rd #105 – Laredo, TX 78041 – (956) 725-5901 – View Map
Independent Car Insurance Agents
These type of agents are not limited to a single company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can just switch to a different company and the insured can keep the same agent.
When comparing car insurance prices, you will definitely want to include several independent insurance agents in order to compare the most rates.
Shown below are independent insurance agents in Laredo that are able to give comparison quotes.
J and E Insurance
1701 S Malinche Ave – Laredo, TX 78046 – (956) 791-1633 – View Map
Delgado Insurance Agency, LC
9902 McPherson Rd #6 – Laredo, TX 78045 – (956) 728-7377 – View Map
Pronto Insurance
1315 San Dario Ave – Laredo, TX 78040 – (956) 724-2110 – View Map
After getting answers to your satisfaction and an affordable coverage quote, you may have just found an insurance agent that is reputable and can properly service your car insurance policy. Keep in mind once you purchase a policy you can terminate your policy at any time so don’t think you’re contractually obligated to any specific agency indefinitely.
Best car insurance company in Laredo
Insuring your vehicle with the best insurer is difficult considering how many choices you have in Texas. The ranking information shown next can help you choose which coverage providers to look at when comparing rate quotes.
Top 10 Laredo Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Don’t assume everyone needs the same insurance coverage
Always keep in mind that when comparing insurance from an agent or online, there really is not a “best” method to buy coverage. Your situation is unique.
For example, these questions can aid in determining whether your personal situation might need professional guidance.
- When can my company non-renew my policy?
- What is an umbrella policy?
- Should I get collision insurance on every vehicle?
- Is a driver training discount available?
- What are good deductibles for a Lincoln Continental?
- What if I don’t agree with a claim settlement offer?
- Should I file a claim if it’s only slightly more than my deductible?
- Am I covered while delivering pizza?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Keep this in mind when shopping around
Cheap Lincoln Continental insurance in Laredo can be purchased both online as well as from insurance agents, so you need to shop Laredo auto insurance with both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and usually these regional carriers work with local independent agents.
As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. Your aim should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.
Drivers leave their current company for a number of reasons such as high prices, unfair underwriting practices, questionable increases in premium or delays in responding to claim requests. Regardless of your reason, finding the right insurance provider is pretty easy and you might even save some money in the process.
How to find the cheapest rates for Lincoln Continental insurance in Laredo
The most effective way to get low-cost Lincoln Continental insurance in Laredo is to compare quotes annually from providers who sell insurance in Texas.
- Step 1: Try to understand coverages and the measures you can take to prevent high rates. Many policy risk factors that drive up the price such as inattentive driving and an unacceptable credit score can be improved by making minor changes in your lifestyle.
- Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO and State Farm, while independent agents can provide prices from multiple insurance companies.
- Step 3: Compare the quotes to the premium of your current policy and determine if cheaper Continental coverage is available in Laredo. If you find better rates and make a switch, make sure there is no lapse in coverage.
A key point to remember is to compare the same amount of coverage on each quote request and and to get quotes from as many carriers as you can. Doing this enables a level playing field and the best rate selection.
Additional detailed information is located in the articles below:
- Learn About Car Insurance (GEICO)
- What Insurance is Cheapest for a Dodge Journey in Laredo? (FAQ)
- Who Has Cheap Laredo Car Insurance for Good Drivers? (FAQ)
- Who Has Affordable Auto Insurance Rates for 4×4 Vehicles in Laredo? (FAQ)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Winter Driving (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)