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All vehicle owners in the state of Texas are required to acquire auto insurance coverage. Auto insurance is not an option in Texas, it’s mandatory. The major concern people have while buying insurance is the high premiums they have to pay for it. But owning a vehicle in Texas means you have to fulfill your financial obligations of being given the privilege to drive on public roads.
Now, since car insurance is mandatory you’ll want to find ways in which you can get adequate coverage, but also save on car insurance payments. Below you will find the top 9 ways to save money on car insurance:
- Look for common auto insurance discounts
Car insurance companies often offer good discounts. You may be surprised when you will learn how many discounts are there for your taking. Just be sure to ASK for any running offers or discount schemes when you approach an insurance company or an agent. Get all the discounts you are qualified for and save big dollars on your policy. - Multi-policy auto insurance discounts in Texas
The concept of a “multi-policy” can really help you in saving money on car insurance. If you choose one insurance company and get your home, boat, auto or umbrella insurance from them, then you could receive a multi-policy discount. In some cases, multi-policy discount can save you up to 20% off the total policy premium. - Discounts for getting all your vehicles insured by one insurer
You can get a multi-car discount from an insurer too. However, it depends on how many and the types of vehicles you own. - Lower premiums for being a safe driver
If you have driven as a responsible citizen and have followed all the laws and regulations, then you would not have any violation on your record for the past three years. This makes you a safe driver and with no tickets or accidents, you can qualify for a safe driver’s discount of up to 5% off your premium. - Spruce up your vehicle’s security
Load up your car with anti-theft devices. This will not only give you peace of mind but will also better your chances of a discount in your insurance premium. Insurers will lower the risk factor of your car being stolen and your comprehensive premium of the policy will get reduced too. This option comes more into play in high auto theft locations. - Be a good student
Insurance companies give special discounts to teenagers and college students with good grades. So being a smart student could save you 15% or more on your car insurance. This will come as a huge relief as insurance premiums for inexperienced and prone to be reckless youngsters are usually very high. - Being a senior citizen
If you are 65 years or older and have a clean driving record, then your premiums could be lowered. Also if your career is ‘insurance friendly’ (like a doctor or a manager), then you may also be given a discount in your premiums. - Increase your deductibles
Deductibles come in to play when you have collision and comprehensive coverage. By selecting higher deductibles, your monthly premiums will be lowered. A deductible in Texas is usually between zero to $2,000. You can choose any amount you are comfortable with, but high risk drivers usually drive cars with a lesser value, therefore a higher deductible makes good financial sense. - Your vehicle matters a lot
If you have a safe, low maintenance vehicle, it will cost less to insure, as they are believed to have less frequency of submitted claims. Insurance companies love safe vehicles, combined with safe drivers, it means more profit for them!
These are just a few simple steps to follow so that you can lower car insurance quotes in Texas. Follow them and do not forget to make detailed comparisons between the offers of competing insurers.
SR22Texas.org is the leading insurance comparison portal serving residents of Texas. Car insurance quotes from leading insurance companies are available on the site, are completely free and only take about 3 minutes. Just enter your zip code and begin saving money!
All vehicle owners in the state of Texas are required to acquire auto insurance coverage. Auto insurance is not an option in Texas, it’s mandatory. The major concern people have while buying insurance is the high premiums they have to pay for it. We have listed several easy ways to help you lower your car insurance premiums.
CALL US NOW (Mon-Fri, 8am – 5pm PST) 
for a FREE QUOTE or fill out this form:
