If you own a car in Houston, you know that auto insurance is a large part of your overall transportation expenses. Luckily, you can save significantly on your car Insurance in Houston by following a few smart tips. If your current insurance expenses seem too high, keep reading to learn how to reduce your monthly rates and still get adequate coverage.
Find the Right Insurance Company
Not all insurance companies are created equal. Ideally, you want to work with a company that can provide you with an easy, affordable insurance policy that gives you enough coverage to feel secure while driving. Dillo Insurance is one company that offers great rates on Insurance in Houston. Because they deal exclusively with Texans, they are able to offer highly competitive rates. They even specialize in providing high-risk drivers an affordable Car Insurance Quote.
Raise Your Deductible
If you have the money in savings to cover out-of-pocket expenses in the event of an accident, raising your deductible is a highly effective way to lower your insurance costs. According to experts, raising your deductible by as little as $250 can lower your your premium significantly. Raise your deductible even higher, and you could lower your yearly insurance costs by up to 30%.
Pay Yearly
Most insurance agents offer a discount for customers who opt to pay their insurance annually instead of in monthly increments. This is because most companies charge hefty processing fees to set up a monthly payment plan. If you pay up front, you can save around 10% on your premium.
Ask About Discounts
Auto insurance is becoming a highly competitive industry, and companies are offering more discounts that ever before to entice new customers. Be sure to ask your agent if you qualify for any type of special discount. Depending on the insurance company, you could be eligible to receive discounted rates for an unblemished driving record, current or past military service or low yearly mileage. Installing an anti-theft device in your vehicle can also net you big savings. If you’re a student, new parent, or a senior citizen, you could also be eligible for special rates. Discount opportunities are everywhere, so don’t forget to ask!
Insurance is a necessary expense, but it doesn’t have to break the bank. If you follow the tips above, you should be able to negotiate a better insurance rate than what you’re currently paying.
