How to Save on Car Insurance
It's not easy to find a great rate on car insurance. No matter what you do, there always seems to be something in your way. But don't give up hope! We're about to make saving as easy as A-B-C, and you'll have more time to spend on other important things in your life that matter a lot more than your premiums.
A) Check for discounts: It's no secret that different companies offer differing rates for their potential customers. Some offer discounts for drivers who take good grades in school, or for participating members of an underrepresented minority group. Though these discounts are available to everyone, we believe you should take advantage of them.
If you are a safe driver with good grades and a clean record, car insurance shouldn't be too hard for you to find. This is why your average premium for the best auto insurance rates in Texas can be less than $100 a month. We suspect that you already pay less than that per month for your cell phone or cable TV.
We're not saying that you should settle for anything less than the best rate on auto insurance. You should always go with what provides the best service and coverage at the lowest price! Be sure that what your company has to offer is worth more than what you have to pay out every month, though.
B) Buy a used car: If you are like most people, you want cars that are flashy and fast. But how much does a new car really cost? New cars depreciate in value right away, so even if you can afford to buy a brand-new model right now, you'll probably lose all of that money in the next couple of years.
Used cars are more affordable and less likely to cause problems over time. They're also less of a target for criminals. With used cars, you save money on your auto insurance by spending less on your vehicle in general! That makes it easier to pay your premium every month.
C) Drive responsibly: If you want to save on car insurance, you need to make the right choices behind the wheel. We know that many of our friends out there are distracted by their cell phones. Not us, of course! But we know many people who never look up from their screens when they get into a car.
This is a distraction that could lead to major problems. Your eyes should be easily visible in all mirrors, so keep those cell phones out of your hands while you're driving! Do not text and drive! Your auto insurance rates will go down if you do everything right every time you drive a car on public roads.
D) Forgo insurance at the time of purchase: If you're in the market for a new car, take advantage of this option to save on auto insurance. When you purchase a new vehicle, you are automatically insured by your local government. However, if you decide to cancel your insurance coverage within twelve months after your new car is purchased, that will cause a rise in your premium. As of this writing, Texas auto insurance companies still use this option.
E) Forgo coverage for any loan on the car: If you have an existing loan on a vehicle that provides for new car payments, consider dropping the policy so that it does not cover any damages to vehicles during those times when they're being repossessed. Texas auto insurance policies are set to preserve your coverage if your car is being repossessed by a lender.
F) Add your family members: This is a little-known fact that you can actually save on car insurance by adding family members to your policy! It's true that you're not protected any longer when they're in the car with you, but that is much less expensive than paying for insurance individually for each of them. You can all be covered under one policy and save money on auto insurance!
This option is especially nice if you have teenage or pre-teen children who have yet to be licensed. When they start to drive, you can always add their names under the parent section of the policy without having to pay for an additional premium.
G) Go with a full coverage policy: Those with comprehensive coverage pay less for auto insurance because they're protected against all kinds of accidents. You may be able to cut your insurance rates by up to twenty percent if you go with a comprehensive plan. You may want to consider making some of these adjustments so that you can get a better deal on your premiums.
H) Get multiple quotes: This is the tried-and-true method for getting an affordable auto insurance rate in Texas. You can try this at any time and get multiple rates at once, but it's best if you do this when you are already making a decision about which company to go with. You are not obligated to sign with any particular car insurance company after you ask them for quotes, so you might as well check around and see what they have to offer.
I) Go with a reliable company: There are many auto insurance companies out there, and not all of them are created equal. This is why you should do your research first to see what kind of reputation a company has in the market before giving them your business. If they don't have the best reputation for customer satisfaction, you might as well go with another one!
J) Consider going unlicensed: Getting a Texas license is just one option among many others that could save you money on car insurance. If you do not have a valid license at all times, it might make sense to leave it at home when you're heading out for an errand.
Conclusion
Hopefully, you will find the information above to be useful. You should now know all about the risks connected with having an auto insurance policy in Texas. The tips and tricks presented here are timeless, and they can help even if you have already purchased your policy!
We hope that our review has helped you learn everything there is to know about car insurance in Texas. To get a quote on your next Texas auto insurance policy, call us at 1-877-781-2887 today and experience the best coverage at the lowest rates today! You may also want to take a look at our article on how to get cheap car insurance quotes online.