It's possible to find cheap Texas car insurance and other ways to lower your insurance costs, without a lot of effort. Here are some of the things to think about when looking for a quote.
Don't just contact one company and then go with their quote. Car insurance rates in Texas can vary quite a bit from one company to the next. You should get several quotes to compare against as this could save you hundreds. The Insurance Information Institute recommends getting at least three.
This doesn't have to be a time-consuming activity either, especially if you go online. You can visit the Web sites of different companies that do business in the state and enter information in their online forms. Make sure you enter the same information about coverages and deductibles and drivers or you may not get an accurate comparison.
Because of this, many people find it easier to visit a comparison Web site. These sites don't represent a single company, but do have a single online form. You just enter your information once and get several different quotes back from agents and companies that do business in your area.
Of course you can also pick up the phone book and start calling agents.
There are other ways you can lower your costs. If you increase your deductibles, that can make your premium quite a bit lower. Of course, you want to feel secure that you can come up with the necessary deductible if you need to. Maybe take the savings you made on increasing the deductibles and put them in a "rainy-day" account.
Most car insurance companies offer a variety of money-saving discounts. Make sure you take advantage of as many of these as you can. For example, you can insure both your home and auto with the same company and receive a discount. There are discounts for good student drivers, senior drivers, anti-lock brake systems (ABS), anti-theft devices and low mileage.
And work to keep a good credit rating and clean driving record. Many insurance companies use credit as a way to determine risk, so people with good credit may pay less then people with bad credit.
Don't just contact one company and then go with their quote. Car insurance rates in Texas can vary quite a bit from one company to the next. You should get several quotes to compare against as this could save you hundreds. The Insurance Information Institute recommends getting at least three.
This doesn't have to be a time-consuming activity either, especially if you go online. You can visit the Web sites of different companies that do business in the state and enter information in their online forms. Make sure you enter the same information about coverages and deductibles and drivers or you may not get an accurate comparison.
Because of this, many people find it easier to visit a comparison Web site. These sites don't represent a single company, but do have a single online form. You just enter your information once and get several different quotes back from agents and companies that do business in your area.
Of course you can also pick up the phone book and start calling agents.
There are other ways you can lower your costs. If you increase your deductibles, that can make your premium quite a bit lower. Of course, you want to feel secure that you can come up with the necessary deductible if you need to. Maybe take the savings you made on increasing the deductibles and put them in a "rainy-day" account.
Most car insurance companies offer a variety of money-saving discounts. Make sure you take advantage of as many of these as you can. For example, you can insure both your home and auto with the same company and receive a discount. There are discounts for good student drivers, senior drivers, anti-lock brake systems (ABS), anti-theft devices and low mileage.
And work to keep a good credit rating and clean driving record. Many insurance companies use credit as a way to determine risk, so people with good credit may pay less then people with bad credit.