Over the many years of your driving life, your auto insurance rates can rise and fall like the chest of a sleeping dragon. They can be affected by your driving history, safety measures in your vehicle, driving education and by outside factors that you have no control over.
In recent years, the National Association of Insurance Commissioners (NAIC) has found the average premium following a downward trend destined to make some policyholders very happy. But the only policyholders that may actually benefit from this information are those who decide to check the price of auto insurance periodically. By getting auto quotes from a range of carriers annually or biannually, insurance policyholders can ensure that they always secure the absolute best deal for them.
What to Look for in Auto Quotes
When comparing auto insurance quotes, it's not just about looking for price decreases that individual insurers have made across the board for all policyholders, it's about finding out how changes to your own driving history may affect new rate quotes you receive. For example, good driver discounts can entitle a policyholder up to 20% in discounts if their driving record meets certain standards. While you may not have met those standards last year, you could meet them now and while your current insurance carrier will likely give you that discount, it could be an even greater discount through another insurer – something you won't know unless you get an auto quote.
Additionally, if you completed any driver safety training, invested in a new car with different safety features, or even just changed your parking situation or the distance you drive the vehicle each year you could find that you are eligible for certain discounts.
And what if you've recently purchased a home? You can now pull quotes to bundle both home and auto insurance policies and take advantage of those discounts, which will vary by insurer. Even just being able to pay your premium annually instead of monthly could result in discounts that are worth exploring through multiple carriers.
There are endless opportunities for saving money on your McAllen auto insurance. If you are ready to start getting quotes from multiple carriers to see just how much you can save, give us a call 888-296-0345.