With a big city like Houston, car insurance can be a bit more expensive then other parts of the state. However there are ways you can save.
Take advantage of discounts. Most insurance companies offer a variety of money-saving discounts. If you have home insurance, insuring your car with the same company could save you five percent or more on your premiums. Other discounts include good student (important if you have a teenage or young driver in the house), low mileage, senior driver, anti-lock brake system (ABS), anti-theft device and much more.
Comparison shop. Texas auto insurance rates have seen some decreases, and now is a good time to see if you can lower your rate. The Insurance Information Institute recommends at least three different quotes. This is easy to do online. You can visit individual company sites and request a quote from each, or even more convenient is a comparison site.
A comparison site doesn’t represent a single company, and you only need to enter your information once. Then, you’ll get several quotes back from agents or companies that do business where you live in Houston.
Whichever way you choose, make sure to provide the same information about deductibles and coverages to get the most accurate comparison. If you already have a policy, you can have it in front of you when you shop for quotes.
Keep in mind, for informational purposes, that Texas requires a minimum of coverages for Bodily Injury and Property Damage. These minimums are:
Bodily Injury: Minimum $20,000 per person and $40,000 if two or more people are injured per accident.
Property Damage: Minimum of $15,000 per accident.
These are just the minimum requirements and it’s often advised to get more than the minimums to give you better financial protection. You could be financially responsible for any costs that are above your insurance policy limits.
Other ways to save include increasing your deductibles (this can lower your premium quite a bit) and keeping a good credit score and driving record.
