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Texas Car Insurance Discounts

Fortunately for anyone buying car insurance in Texas, there are a myriad of ways to get a discount on your insurance premiums. Unfortunately, some insurance companies will not tell you about all of your discounts and will only apply them to your policy if you do your research and ask about them. In order to get the best price on your vehicle's insurance, then, it is important to do your own research and find out what discounts might be available. Then, you can ask your insurance company, agent, or broker to see if they offer these discounts and if you qualify.

Car Insurance Discounts Available in Texas

One of the best ways to get a discount on your car insurance in Texas is to have and maintain a clean driving record. While different insurance companies will calculate this discount differently, most of them will give you a certain percentage discount on your rates for keeping your record free of accidents and moving violations for a certain amount of time. Some companies have a tiered system for calculating this, so the longer you keep your record clean, the more money you will save.

Another good way to get a discount on your car insurance is to keep your monthly or yearly mileage low. Since you won't be on the road as much, you won't have as much of an opportunity to get into accidents with other cars and so many automobile insurance companies will offer you a discount. Some companies actually offer pay-as-you-go insurance plans, where you pay based on your mileage. If you maintain a very low overall mileage on your car and plan to do so for a period of time, this can be cheaper than traditional car insurance.

In Texas, automobile insurance discounts for taking a defensive driving course are also common. Most new or fairly new drivers are eligible for these discounts, as well as adults over age 65, but some companies will give a discount to any driver who has taken one of these courses withing a particular amount of time. Be sure to find out exactly how much the discount will save you before you take the course, as these courses can be expensive and sometimes will not save you more than the course itself costs.

Most TX car insurance companies will also offer you a discount based on different features of your car. If you have certain safety features, like airbags or anti-lock brakes, you may be eligible for this sort of a discount. Sometimes, the discount will be greater the more of these features your vehicle has.

In addition, some automobile insurance companies in the state will give you a discount for anti-theft features on your vehicle, like having a car alarm or installing a LoJack device. Since your car is less likely to be stolen when it has these features, the insurance company is less likely to have to pay to replace it and so may offer you a discount.

Citizens of Texas are also in luck, because Texas is one of the few states that has adopted the policy of giving a discount on car insurance to people who drive hybrid vehicles. In order to encourage the responsible use of resources and give incentive for purchasing the somewhat more expensive vehicles that are more energy efficient, Texas drivers will see their rates go down if they purchase one of these vehicles.

Depending on the car insurance company, there may be discounts available based on your specific profession. Some TX vehicle insurance companies have chosen to offer discounts to people in professions that give back to society, like to teachers, active members of the armed forces, and law enforcement professionals. These discounts vary widely by company, so if you qualify it may be worth it for you to shop around to find a company that offers the best discount for your particular profession.

In addition, some car insurance companies in the state have working relationships with different groups, like large companies, professional associations, or hobbyist groups, where members of that groups automatically qualify for a particular discount when they purchase car insurance through the company. The different organizations you belong to will have the best information on these discounts. Call them to find out if there are any discounts they have arranged that you might qualify for.

You may be eligible for a different sort of automobile insurance discount in Texas if you have several different kinds of insurance policies with the same company. Depending on the insurance company, you can combine life, homeowners', renters', and sometimes even health insurance with your car insurance and save money on both policies. Note that this is usually only a good deal if you were planning to purchase both kinds of insurance policy anyway. Otherwise, you are just paying for insurance you don't want or need.

Your insurance company might also give you a discount if you put more than one vehicle and/or driver on the same insurance policy. Because you are giving them more of your business this way, they will sometimes reward you with a discount.

Finally, some vehicle insurance companies in TX will assess discounts for both renewing a policy or being a long-term policyholder and for paying your policy's premiums in full, rather than month by month. Both of these ensure the company of your business for a longer period of time.

How to Get Your Car Insurance Discounts

Once you have a good idea about what car insurance discounts are available to Texans that you or your family might qualify for, be sure to ask your insurance company about them. Note that not all insurance companies will offer every discount, but it's always worth asking. You never know how much money you could save.

If you find that your vehicle insurance company in TX does not offer a discount that you think would be particularly beneficial to you and your family, it might be time to find a new insurance company, one that does offer the particular discount. Before you switch insurance, though, make sure that your overall rates will be lower for the same coverage, otherwise the switch might not make sense financially.

Whether you switch car insurance companies or not, be sure to keep track of which discounts you should be getting and by what percentage your premiums should be reduced for each discount. While many automobile insurance companies do not delineate each discount on your bill, you can track your bills to compare prices and make sure the company is applying all of the discounts. Most companies are not being malicious or devious when they fail to apply a discount, but with so many policies out there, things do slip through the cracks. It's often up to you to follow through with them to make sure you're getting the best price possible on your car insurance.

While very few people qualify for all the possible discounts, most will qualify for at least one or two. Now that you know what discounts are available and how to pursue them with your car insurance company, you should be able to see at least a small reduction in your Texas vehicle insurance rates.


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