Gathering Garland, Texas insurance quotes isn't as exciting as spending an afternoon at Firewheel Golf Park or Hawaiian Falls Waterpark, but you'll probably let out an exalting squeal once you see how much you can save on coverage by comparison shopping. Experts agree that shopping for insurance quotes is the best way to save, but if you know what discounts are available you can save even more money.
Scale Down Your Car Coverage
Vehicle insurance in The Lone Star State isn't the cheapest in the nation, but it isn't the most expensive either. According to the Insurance Information Institute, Texans paid an average of $808 for auto insurance in 2007; the U.S. average was $795. If your premium falls in line or is above this average, it would be wise to talk to your Garland insurance agent if there are discounts you might qualify for. For instance, if you are employed in Dallas and have cut back your drive time by taking the DART, you could qualify for discounts for lowering your annual mileage. You'll score lower Garland insurance quotes if your vehicle is equipped with an anti-theft device or tracking device; if you are a senior citizen; if you take a driver's safety course, or if you have improved your credit score.
Insurance institutions like knowing their investments are being protected. Therefore, let your agent know if you install a home security system, storm shutters or deadbolt locks. He would be pleased to know you're safeguarding your home from thieves and harsh weather conditions and will discount your premium. If your house is in close proximity to a fire station or fire hydrant you will acquire savings as well.
Sheltering Families' Futures: Life Insurance
According to the U.S. Census Bureau, families made up 76 percent of the households in Garland city. That being said, if you fall into this category and you're without life insurance, it's about time to look into this valuable coverage. A life insurance death benefit could save your family from financial hardship if you were to die. According to LIMRA International's 2010 Facts About Life press release, three in 10 households with children under 18 say they would have trouble keeping up with expenses after several months if a primary wage-earner died today. The younger and healthier you are the lower your life insurance premium will be. Your hobbies, habits and occupation are also determining factors for Garland insurance quotes designed for life coverage. Needless to say, if you are a policeman who smokes and likes to skydive on your days off, you'll likely pay more for life insurance.
Getting Garland Insurance is Simple
Combine all of your insurances together with the same provider and you'll garner even more savings. Find out just how much you would be paying for these important coverages by comparison shopping. Calling individual insurance companies can get you results, but talking with representatives using high-pressure sales tactics might not sound appealing. Rather than going about it on your own, let NetQuote do the legwork for you. By filling out a single form you can get several Garland insurance quotes to compare during your leisure time. NetQuote is fast, efficient and free!