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Affordable Auto Insurance in Texas - 4 Steps to Low Prices
Author: Jim Kibler
Read this and Save 50% or more on affordable car insurance in Texas by doing these four simple steps to save money.
Before you begin to shop for insurance make sure you understand the current car insurance requirements for the state of Texas.
Basic coverage is referred to as 25/50/25 coverage.
This means bodily injury limits of $25,000 per injured person a total of $50,000 per accident.
Property damage coverage of $25,000 per accident.
Keep in mind that the minimum requirements change often so make sure you go on the State of Texas website and check minimum requirements every time you buy new insurance or upgrade your existing automobile insurance policy.
In Texas you are not required to purchase uninsured or under insured drivers insurance. Some states do require this coverage.
If you are in the market for car insurance in the great state of Texas there are some things that you can do that will save you money and lower your rates and still make sure that you have good coverage for your car insurance even though the average cost in Texas is very close to the national average..
Simple steps that will save your money.
1. Raise the deductible on your insurance policy.
You can take advantage of this discount by raising the deductible your car insurance from $200 per accident all the way up to $1000 per accident you will save yourself at least 40% or maybe even more on your car insurance price.
Before you raise your deductible, make sure you have enough money on hand so that you will be able to pay any out-of-pocket expenses that might occur should you cause an accident.
I personally like the idea of buying insurance with a high deductible because I do not mind out-of-pocket expenses. What I want to avoid however, is any catastrophic damage to my finances which can easily occur if there is an accident, whether it is my fault or not.
When it comes auto insurance in the state of Texas, a tort system is in place which means that every time there is an automobile accident, someone must be found at fault and that person and their insurance company is liable for all expenses which occurred due to property damage or injury.
2. Maintain a good credit report score.
Most car insurance companies will check your credit score when you apply for car insurance. If your score is high your car insurance will be lower. If you have a low credit score make sure you pay all of your bills on time for at least three months before applying for car insurance. Many people do not realize that it takes at least three months to improve credit score. You might also want to check your credit score for errors and omissions which could have the effect of lowering your score
3. Go to a defensive driving school.
Insurance companies like to see this on your driving record and will reward you with lower premiums. If you do this you will lower your insurance rates another 10%.
4. Liability insurance.
If you will drop your comprehensive coverage and just get liability insurance on your car you will lower your price and the 20%. Keep in mind you can only do this if your car is paid for. If you have a car that is finance the finance companies will want comprehensive insurance on your car to protect their investment. They realize that many people will stop making the payments get their cars damaged in a good a longer drive it. I know you not like that but a lot of people are. I sold a lady car several years ago and she had accident on the way home and never made a payment. Good thing she had comprehensive insurance.
Affordable auto insurance in Texas is very possible if you apply these discounts to your application which are available to most people.
Jim Kibler has a extensive background in sales, financial increase and business and was an top producing insurance agent. Jim believes most people are paying much more money than necessary for insurance.
Get a much more complete FREE LIST of available discounts at Cheapest car insurance
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