Establish basic questions as you explore the Cheapest Auto Insurance companies!
Here are a few tips to find the Cheapest Auto Insurance and still be 
assured your claims will be paid in the event of an accident. The first item of consideration is getting a copy of a “Consumer Bill of Rights” by ordering it from the Office Public Insurance counsel (OPIC) website. http://www.opic.state.tx.us
Next make sure the agents and company you select are properly licensed. You can find out a company’s complaint history, financial rating from an independent rating service, and license status by calling the Texas Department of Insurance (TDI) Consumer Help Line at 800-252-3439 or by visiting their website at http://www.tdi.state.tx.us Don’t make a decision based solely on price as you may find that if you do have an accident, you may not be properly insured.
Explore both Independent agents and single company agents. Independent agents typically represent several companies and give you multiple quotes at one time. A single company agent may offer a nice discount on your auto insurance if also buy your homeowners or renters insurance through them also at a much cheaper price.
Ask several companies for quotes and do not feel obligated as each will be glad you gave them an opportunity to service you. Make sure they are all quoting the same coverages. To help you gather information about companies the TDI publishes sample rate comparisons for auto insurance online at www.helpinsure.com and offer Shopping for Auto Insurance Company/Policy Comparison Worksheets that can be printed.
Be careful to answer all information sheets correctly as a simple mistake may result in an incorrect price quote and rejection of your application or cancellation of your policy.
Deductibles are the amount you have to pay out of pocket on your claim before the insurance company pays. The higher your deductible, the lower your premium, therefore choose the highest deductibles you can afford.
To find the cheapest auto insurance is really not that difficult if you follow these simple procedures. If you get turned down by one company, keep shopping and you will find that each auto insurance company has different criteria for accepting customers.
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