Tips to Lower Auto Insurance Costs in Texas

Finding affordable auto insurance in Texas can be a challenge, especially with rising premiums across the state. Fortunately, there are several strategies you can use to lower your auto insurance costs without sacrificing coverage, including the following:

• Shop around for the best rates—One of the most effective ways to lower your auto insurance costs is to compare quotes from different providers. Your agent can help you get quotes from multiple insurance companies to find the best rates.
• Increase your deductible—Your deductible is the amount you pay out of pocket before your insurance kicks in. Choosing a higher deductible can slightly lower your premiums. Make sure you can afford the deductible in case of an accident.
• Bundle your policies—If you have other types of insurance, bundling them with your auto insurance can lead to substantial savings.
• Maintain a good driving record—Your driving history plays a significant role in determining your insurance rates. Focus on adopting safe driving habits to help avoid accidents and moving violations. Ask your agent about taking a defensive driving course to make you eligible for premium discounts. 
• Review your coverage—Your agent can help review your current coverage to ensure it’s still appropriate for your situation. Talk with them about any changes in your life, such as moving to a safer neighborhood or changing how much you drive, which could impact your rates.
• Improve your credit score—Texas insurers are legally allowed to consider your insurance-based credit scores to help determine your risk of filing a claim. Improving your credit scores can help reduce your premiums over time.

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This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.