If you are a novice to online car insurance shopping, you can easily be overwhelmed because of the huge number of insurance providers that all promise the best rates for Saturn Astra insurance in San Antonio.
It's astonishing, but over 70% of Texas drivers kept their policy with the same company for at least the last four years, and just short of a majority have never compared rate quotes at all. U.S. drivers could save almost $850 each year just by getting comparison quotes, but they don't know the benefits if they switch to a new company.
It's a good idea to compare premium rates every six months because prices change frequently. Even if you think you had the lowest quotes on Saturn Astra insurance in San Antonio a couple years back you may be paying too much now. Ignore everything you know about car insurance because you're about to learn one of the best ways to save on car insurance.
How to compare free San Antonio Saturn Astra insurance quotes
When looking for inexpensive San Antonio auto insurance quotes, there are a couple ways to obtain and compare prices from auto insurance companies in your area. The fastest way to lower the rate you pay for Saturn Astra insurance is to use the internet to compare rates.
When quoting auto insurance, remember that more quotes will increase your chances of finding the best price. Some smaller insurers do not give online price quotes, so it's recommended that you also compare prices on coverage from those companies, too.
The companies shown below are our best choices to provide free quotes in San Antonio, TX. If the list has multiple companies, we recommend you click on several of them to find the most competitive car insurance rates.
Discounts for cheaper insurance rates
Insurance is expensive, but there could be significant discounts that many people don't even know exist. Some discounts apply automatically when you quote, but a few must be manually applied in order for you to get them. If you aren't receiving every discount available, you're just leaving money on the table.
- Military Rewards - Being on active duty in the military can result in better insurance rates.
- Multi-line Discount - Not all companies offer life insurance, but some may give you a discounted price on car insurance if you buy life insurance.
- No Claims - Insureds who avoid accidents and claims can save substantially compared to bad drivers.
- Save with a New Car - Insuring a new Astra can save you some money due to better safety requirements for new model year vehicles.
- Seat Belt Usage - Drivers who require all occupants to fasten their seat belts could save 15% off the medical payments premium.
- Online Discount - Some larger companies will give a small break simply for signing over the internet.
- Good Students Pay Less - Performing well in school may save as much as 25% on a San Antonio auto insurance quote. Most companies allow this discount until age 25.
- Payment Method - By making one initial payment rather than paying in monthly installments you can avoid the installment charge.
You can save money using discounts, but some credits don't apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, that's just not realistic.
Companies that may include some of the above discounts include:
When quoting, ask every prospective company the best way to save money. Depending on the company, some discounts might not be available to policyholders in your area. To choose insurance companies who offer online Saturn Astra insurance quotes in Texas, click here.
Get Cheap Insurance Prices by Understanding These Factors
Multiple criteria are considered when premium rates are determined. Some are pretty understandable like an MVR report, but other factors are less obvious such as whether you are married or your vehicle rating. Part of the insurance buying process is learning a few of the rating criteria that play a part in calculating your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that may result in lower premium levels.
Know your credit rating - Having a bad credit score is a large factor in calculating your insurance rates. If your credit leaves room for improvement, you could save money insuring your Saturn Astra if you clean up your credit. Insureds that have very good credit scores tend to be more responsible than drivers who have bad credit.
Add-on coverages push up costs - Policies have add-on coverages that can waste your money if you aren't careful. Things like vanishing deductibles, accidental death, and extra life insurance coverage are some examples. They may sound like good ideas when you first buy your policy, but your needs may have changed so eliminate them to save money.
Premiums for males may be higher - Statistics have proven women are more cautious behind the wheel. That doesn't necessarily mean that men are worse drivers. Men and women cause fender benders in similar percentages, but males tend to have higher claims. Men also statistically get ticketed for serious violations such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
Use one insurance company and save - Most larger companies will give discounts to clients who consolidate policies with them in the form of a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even though this discount sounds good, it's still a good idea to compare other San Antonio Astra insurance rates to make sure you are getting the best deal.
Employer stress can make you pay more - Careers such as lawyers, business owners, and financial analysts generally pay the highest average rates in part from stressful work requirements and incredibly demanding work hours. Other professions such as scientists, athletes and retirees get better rates.
Youthful drivers pay higher premiums - Older people are proven to be safer behind the wheel, statistically cause fewer accidents, and get fewer tickets. Young drivers tend to be inattentive when driving therefore insurance rates are much higher.
Safer occupants lowers rates - Vehicles that have high safety ratings can get you lower premiums. Vehicles engineered for safety protect occupants better and lower injury rates means less claims paid and thus lower rates.
Can a thief steal your car? - Buying a car with an alarm system can help lower your premiums. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft and help lower rates.
Compare prices but buy from a neighborhood San Antonio auto insurance agent
A small number of people still prefer to buy from a licensed agent and that is OK! The biggest benefit of price shopping on the web is that you can find lower prices and still have a local agent. And providing support for local agencies is important especially in San Antonio.
For easy comparison, once you complete this quick form, your insurance coverage information is emailed to companies in San Antonio who will give you quotes for your insurance coverage. There is no need to even leave your home because quoted prices will be sent to you directly. You can find the lowest rates without the usual hassles of price shopping. If you wish to get a comparison quote from a particular provider, you would need to navigate to their website and give them your coverage information.
San Antonio auto insurance agents come in two flavors
When finding a reputable agency, it's important to understand the different agency structures and how they can service your needs differently. Agents in San Antonio can either be independent or exclusive.
Independent Insurance Agents
Independent agencies are not limited to a single company and that is an advantage because they can write policies through lots of different companies and potentially find a lower price. If premiums increase, the agent simply finds a different carrier which makes it simple for you. If you are trying to find cheaper rates, we recommend you get rate quotes from a few independent agents to get the best comparison. Many write coverage with less well-known companies which may have better rates.
Shown below are independent agencies in San Antonio that can give you comparison quotes.
- Ellis Insurance Agency
15335 San Pedro Ave - San Antonio, TX 78232 - (210) 979-9000 - View Map
- Affordable Health Insurance Agency, LLC
7330 San Pedro Ave #150 - San Antonio, TX 78216 - (210) 738-3537 - View Map
- Garcia Insurance Agency
1255 SW Military Dr - San Antonio, TX 78221 - (210) 593-8935 - View Map
These type of agents generally can only insure with one company and some examples include State Farm, Allstate, or Farmers Insurance. They usually cannot shop your coverage around so if the price isn't competitive there isn't much they can do. They are well schooled on their company's products and that allows them to sell at a higher price point. Drivers often buy from the same agent for years mostly because of the brand legacy rather than low rates.
Below are San Antonio exclusive insurance agencies willing to provide price quotes.
- Lisa Ybarbo - State Farm Insurance Agent
803 Castroville Rd #128 - San Antonio, TX 78237 - (210) 434-2711 - View Map
- Enrique Enriquez - State Farm Insurance Agent
8359 Perrin Beitel Rd - San Antonio, TX 78218 - (210) 967-8669 - View Map
- Trent Rosenkranz - State Farm Insurance Agent
1840 S General McMullen Dr #109 - San Antonio, TX 78226 - (210) 433-9000 - View Map
Finding the right auto insurance agent shouldn't rely on just the bottom line cost. A good agent in San Antonio will have answers to these questions.
- How long have they been in business?
- Do they prorate repair cost based on vehicle mileage?
- Do they have designations such as AIC, CPCU, or CIC?
- Does the agent recommend any additional coverage?
- How much will you save each year by using a higher deductible?
- Are they involved in claim handling?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
A conclusion for your car insurance search
We just covered a lot of information how to get a better price on Saturn Astra insurance in San Antonio. It's most important to understand that the more price quotes you have, the better chance you'll have of finding affordable Saturn Astra insurance quotes. You may even be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies.
Some companies may not offer online rate quotes and these smaller providers provide coverage only through independent insurance agencies. More affordable car insurance in San Antonio is available on the web in addition to many San Antonio insurance agents, and you need to price shop both to have the best chance of lowering rates.
People switch companies for many reasons like extreme rates for teen drivers, not issuing a premium refund, poor customer service or even delays in paying claims. No matter why you want to switch, finding a new car insurance company can be pretty painless.
Additional information can be read on the following sites:
- State Car Insurance Guides (GEICO)
- What Car Insurance is Cheapest for a Nissan Versa in San Antonio? (FAQ)
- Who Has Cheap Car Insurance for Active Military in San Antonio? (FAQ)
- What Auto Insurance is Cheapest for Seniors in San Antonio? (FAQ)
- Who Has Cheap Auto Insurance Quotes for 19 Year Olds in San Antonio? (FAQ)
- Vehicle Insurance (Wikipedia)
- Airbag FAQ (iihs.org)
- Red Light Cameras (State Farm)
- Distracted Driving (Insurance Information Institute)