Wish you could get out of an expensive auto insurance policy? Say no more because there are a lot of people in Houston just like you who feel imprisoned by their auto insurance policy. Vehicle owners have so many car insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, so many choices can make it hard to find the best rates.
Buying car insurance in Houston is easy if you know what you’re doing. Essentially every vehicle owner who is required by state law to have auto insurance most likely will be able to find better rates. But Texas drivers do need to know how big insurance companies market insurance on the web and apply this information to your search.
You may qualify for discounts
Some companies don’t always list every possible discount in an easy-to-find place, so the list below contains a few of the more well known as well as the least known savings tricks you should be using when you .
- Passive Restraints – Options like air bags or automatic seat belts can get savings of more than 20%.
- Student in College – Older children who are enrolled in higher education away from home and do not take a car to college may be insured at a cheaper rate.
- One Accident Forgiven – Not really a discount, but companies like Allstate and GEICO permit an accident without the usual rate increase so long as you are claim-free for a specific time period.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up could cut 10% or more off the medical payments premium.
- Houston Homeowners Pay Less – Owning your own home or condo can get you a discount due to the fact that maintaining a home is proof of financial responsibility.
- Discount for Life Insurance – Not all auto insurance companies offer life insurance, but some may give you a lower premium rate if you buy some life insurance in addition to your auto policy.
- Bundle and Save – If you have multiple policies and insure them with the same company you may save at least 10% off all policies.
- Multiple Cars – Having multiple cars with the same company qualifies for this discount.
- E-sign Discounts
Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
To see companies that offer many of these discounts in Houston, click this link.
There’s no such thing as the perfect auto insurance policy
When buying proper insurance coverage, there is no “best” method to buy coverage. Every situation is different so your insurance should reflect that For instance, these questions may help you determine whether you would benefit from professional advice.
- What can I do if my company denied a claim?
- Do I really need UM/UIM coverage?
- Is my Lexus RX 300 covered for smoke damage?
- How much underlying liability do I need for an umbrella policy?
- Will I lose any money if I cancel my policy before it expires?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Are all vehicle passengers covered by medical payments coverage?
- Are my tools covered if they get stolen from my vehicle?
- Do I need to file an SR-22 for a DUI in Texas?
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Learn more about auto insurance in Texas
More detailed Texas auto insurance information is available at the Texas Department of Insurance website. Texas drivers can read consumer alerts, learn about specific coverages, find out which companies have the most complaints, and view a list of available companies.
The following articles may also be useful.
- How to Get the Best Price from Houston, TX Auto Insurance Providers
- 10 Must-Know Tips When Comparing Houston, TX Auto Insurance
More comparisons equals lower rates
Cheaper auto insurance is definitely available both online and from local insurance agents, so you should compare both in order to have the best chance of saving money. Some companies don’t offer the ability to get quotes online and these regional carriers prefer to sell through local independent agencies.
As you , you should never reduce needed coverages to save money. In too many instances, an insured cut physical damage coverage only to discover later that they should have had better coverage. Your objective should be to purchase plenty of coverage at the best price while still protecting your assets.