As a driver in Texas, you are eager for any means to help you save money on your auto insurance. You can’t get around having it, but getting the same coverage for less money is a definite win for the monthly budget. Texas auto insurance companies offer a massive menu of discounts to their customers, but most people don’t even know they exist. You can divide them into two main categories: discounts related to the car, and discounts related to the driver. In this post, we will talk about both of these and describe how you can take advantage of them.
Driver discounts are based on you, the customer. Most of them are related to driving itself. Just about every auto insurance carrier offers a safe driver discount if you have been accident-free for a certain period of time, typically 3 years. But there are also discounts that fewer people know about. For example, anyone who is still in school can usually get a discount for maintaining a high GPA. Completing driver’s ed courses above the state’s minimum requirements is often also worth a discount. Members of the armed forces and veterans frequently have their own discounts. Being a good customer is also worth discounts: paying on time, using automated billing, and so on can all entitle you to discounts. It’s a good idea to contact your auto insurance carrier or go online to their website so that you can get a complete list of the discounts they offer. You could qualify for some of them, but if you don’t tell the company that you qualify you won’t get the discount.
Most of the car-related discounts are based on safety features. Antilock brakes, airbags, daytime lighting, and anti-theft devices are all worth discounts. So many cars come with these features that it is a no-brainer to get them added to the policy as a discount. But there are also discounts that reward more advanced features: some companies have incentives for hybrid cars or electric cars, while others reward low mileage. car insurance Texas companies want your car to be as safe as possible, and a new car is a safer car because it is less likely to develop mechanical problems. The difficulty is that every carrier offers its own network of benefits, so each policy will be different.
There are two main times when you should do a lot of research about auto insurance discounts: when you are buying a new car and when you are getting a new policy. In both cases, you have the opportunity to make your insurance carrier and car match up to give you the best savings. Of course, finding the right car is more important than shopping for an auto insurance policy, but it pays to look for a carrier that offers the discounts that benefit you and your vehicle. By combining lots of different discounts, your potential savings on the monthly premium can actually become quite large. The single best discount you can get is usually worth around 30 percent off your bill, and most are closer to 10 percent. You can imagine that this really adds up. You have to be diligent and invest the time to learn about all the discounts available to you, but in the end, the savings make it well worth the effort.