Discounts and Ways to Lower Your Premium

Common Discounts Available for Texan Drivers

The following are a few discounts that most Texas Insurance Agents offer qualified customers:

Good Driver Discount: If you have a clean driving record (no tickets, accidents, etc.) you can qualify for a discount.
Multiple Policy Discount: If you have a car insurance policy with a company that you have another policy with (another auto insurance policy for a different car, or another line of insurance such as life insurance), you may receive a multiple policy discount.
Safety Discounts: Many lenders offer discounts to people whose vehicles have safety features such as anti-theft devices.
Students and Seniors: Many companies offer discounted rates to senior citizens and students.
Low Mileage Discounts: If you drive your car less than the average person, you may qualify for a discount. Ask your agent for details.

Shop Around. Different companies offer different rates and offer different discounts. You can begin your shopping process now. Get quotes from a number of reliable car insurance companies.
Maintain Your Credit Score. Mortgage lenders and credit card companies aren’t the only ones who keep an eye on your credit score anymore, many auto insurance companies now take it into consideration when determining your auto insurance rate as well. Pay your bills on time, and your credit score will stay in tip-top shape.
Examine Installment Fees. If your insurance company charges outrageous installment fees for people who are on a monthly payment plan, consider switching payment plans. If you can pay your installments up front or on an annual basis, do it.
Forget About Collision Coverage. If you have an older car, consider eliminating collision coverage from your policy. Add your comprehensive and collision coverage, multiply it by ten, and compare that figure to the value of your car. If the insurance price is more, forego it.