Texas Auto Insurance Discounts


Texans like to do everything in a big way. And so it is with their auto insurance needs. There are a number of discounts that can be used to bring your rates down. Check out these ways to save some big bucks next time you are in the market for more competitive auto insurance rates.

Texas drivers join California drivers as the first drivers to get a discount on their car insurance if they drive a hybrid or any other vehicle that uses alternative fuel. Consult your insurance carrier to see if they are offering these discounts.

When you combine your insurance needs into one company you will get instant savings. Having your car, renters, mobile home, homeowners, and life insurance all with one company will simplify your life as well as reduce your rates. Some companies will even give you a new customer discount to start your homeowners insurance with them.

Young drivers who have less than nine years of driving experience and still live at home with their parents may qualify for a discount if they complete an approved driver-training course. Keeping young drivers safe and teaching them the rules of the road is a valuable option. See if your insurance carrier offers this discount.

There are some companies that will give you up to a 20% discount if you pay your policy in full. The savings from not having to bill you in monthly or quarterly increments is passed along to you.

Some companies reward good drivers with discounts for going up to three years without any accidents or traffic infractions. They also offer discounts to their loyal customers who have utilized their services for a certain period of time.

Save on your collision coverage if your vehicle has an electronic stability control. And you can save on comprehensive coverage if your vehicle is equipped with anti-theft devices and anti lock brakes.

Good students are encouraged to maintain their good grades with lower for continued academic achievements. And these discounts are valid for students up to 25 years of age.

Factory installed air bags are usually a factor in reduced rates as are any additional safety features such as alarm systems or any other type retrieval device such as a LoJack.

If you are at least 50 years old you will receive discounts for the entire family if you are the oldest person in the household. Other drivers who are 65 year of age and older may qualify for discounted rates if they complete a state approved drivers education course.

Probably the easiest way to reduce your car insurance costs is to raise your deductible. You could save from 15% to 30% just by raising your deductible from $200 to $500.

Make sure that you take the time to shop around for the best rates. It is still the best way to pay less for your car insurance. Ask your insurance agent if any of these discounts are available through their company. You never know unless you ask.