Insurance companies base your cost on a number of factors, including your past history of driving, your age and the type of vehicle you drive. If you’re a younger and unmarried driver with just one accident in the past, you might pay twice as much or even more as someone your same age who is married and has a clean driving record. While comparing rates can help you save, it often takes a lot of time to compare those rates. Before switching to another insurer, check out a few easy ways you can save on your Texas car insurance.
Bundle Your Insurance
Did you know that many of the top insurers now offer bundled packages that let you save anywhere from 10 percent to 50 percent or more? Check with your insurer about covering your home and your vehicle with the same package. You can also save when you bundle car insurance for multiple vehicles, a car and a motorcycle or even your car an recreational vehicle. If you’re a renter, you’ll find that some companies offer a discount when you purchase insurance to cover your vehicle and rental home or apartment.
Raise Your Deductible
Your deductible refers to the amount that you must pay before your insurance kicks in and covers the rest. If you’re in an accident, you’ll pay your deductible and your insurance will pay the remaining balance. When you have a lower deductible, you pay more every time you pay your premiums. Raising your deductible lets you pay less for insurance. While this will mean that you’ll pay more after an accident, it’s the best option for those with a clean driving record.
Take a Driving Course
Whether you live in a major city like Dallas or a smaller town in Texas, you face getting points on your license each time you are in an auto accident that you cause. Points can also accumulate because of the tickets you receive for speeding or driving with a broken headlight. The more points you receive, the more your insurance will cost. Most courts give you the option of taking a Texas defensive driving course in lieu of the points. Some insurers will also give you a discounted rate when you agree to take one of these classes. Taking a defensive driving course, raising your deductible and bundling your insurance policies can all help you save.
