The cheapest policy isn't always the best deal. The goal is to pay less for the protection you actually need. Here are the moves I'd suggest to any Texas driver.
Shop smart
- Compare at every renewal. Rates change, and the company that was cheapest last year may not be this year.
- Use an independent agent. One call can compare several carriers, including ones that specialize in drivers with tickets or no prior insurance.
- Don't let coverage lapse. A gap, even a short one, can raise your price for years. Set up automatic payments.
Adjust your coverage the right way
- Raise your deductible if you can afford to pay it after an accident. A higher deductible usually means a lower premium.
- Look at your car's value. On an older, paid-off car, collision coverage may cost more than it's worth. Ask your agent to run the numbers.
- Keep the coverages that protect you most. Cutting liability limits, PIP, or uninsured motorist coverage to save a few dollars can cost you far more later. See Texas minimum auto insurance explained.
Ask about discounts
- Bundle auto with renters or home insurance.
- Pay in full or use automatic payments and paperless billing, when the carrier offers a discount for it.
- Ask about safe driver, good student, defensive driving, and multi-car discounts. Available discounts vary by carrier.
Protect your record
- Drive clean. Tickets and at-fault accidents affect your rate for years. A clean record is the longest-lasting discount there is.
Want to know why prices moved so much in the first place? Read Why Texas car insurance rates changed.
General information only. Discounts and options vary by insurer. Talk to a licensed Texas agent about your situation.