Auto insurance companies dream of having citation- and accident-free clients and work hard to get and keep their business.Good drivers get better rates. Period.
If you have a clean driving record, your premiums ought to reflect your competence.
Do yours? How do you know?
Tri-Star Insurance Company will get you the best rates available in the Dallas/Ft. Worth/Plano area. Our business is to find the right fit for individual policyholders based upon their personal needs.
Ways Insurance Companies Offer Lower Rates
Each company is quirky when it comes to designing auto policies. That is why it is often so difficult to compare quotes from one company to the next.
Tri-Star Insurance agents do the comparing for you so you don’t have to.
We know what programs are offered by each of our companies. Some of them include the following:
Accident Forgiveness. This program varies from one company to the next, but following is the gist of it. An insurance company may allow drivers to have one at-fault accident without increasing the driver’s rates. Or, an insurance company may “forgive” a previous accident if a driver maintains a clean record over a period of time.
Safe Driver Discount Cards. This program is similar to a credit card “rewards” program. Good drivers are given purchasing cards that can be used for lodging, travel or leisure expenses.
Decreasing Deductibles. Each year that a driver goes without an accident, the insurance company lowers the collision and other than collision (comprehensive) deductibles. If you start out with a $1,000 deductible, for instance, and are accident-free for four years, your deductible will then be reduced to $600.
Clean Driving Records and Poor Credit Scores
You have never had a citation or an accident, yet your premium has jumped because of a recent consumer report.
What’s up with that?
More and more insurance companies rely on the use of a credit score to determine rates. The practice began following a study showing a strong correlation between low credit scores and automobile accidents.
The theory is that individuals that keep their financial records in order will also be responsible, skilled drivers.
However, there are plenty of individuals that suffer short-term financial mishaps who are also conscientious drivers.
If your credit score is less than sparkling, Tri-Star Insurance Company can help you. We are contracted with a variety of companies and we know which company will give you the best rates, despite your credit score.
What Other Factors Affect Premium In Plano, Texas?
Insurance companies use many variables when figuring auto rates to charge consumers. Take a look at the following list.
- Driver’s age
- Garaging location
- Driving record
- Type of vehicle
Basically, the more expensive the vehicle, the higher the insurance premium will be. If you are driving a sports car versus a family mini-van the insurance company knows that it will also cost more to either repair the damaged vehicle or to replace it.
Get started saving on your auto insurance today. All it takes is a phone call to our offices and we’ll get you the best policy for the best price available.
TriStar Insurance Professionals, based in Plano, TX, is a full-service insurance agency owned and operated by Roger Harkins. Specializing in consumer insurance programs inluding homeowners, auto, boat, and life insurance they also specialize in commercial insurance offerings for small to medium sized businesses. Low cost is always important, but far more critical in both the personal and business coverage arenas is making sure that there are no gaps in your coverage. Find out today simply by calling Roger Harkins or John Coyle at 469-464-5790 . The call and any quotes you request are always confidential and free!
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