Do you know how much the average motorist spends on car insurance throughout his or her lifetime? Some $84,000, according to an online article from Motor Trend magazine, dating back to February 2011. Since we can only assume that premium prices in Houston haven’t seen much of decrease since, we thought it would be a good idea to bring you five essential tips regarding saving on Houston car insurance. You may or may not be able to lower your other bill expenses, but car insurance is definitely something that can be tweaked and improved, where costs are concerned. Read on to learn how.
#1 Check out premium discount conditions
A lot of motorists in Houston don’t know that insurers are striving to keep their clients – or increase their client base – and, in order to do this, they offer plenty of discounts for the savvy car insurance shopper. There are plenty of situations in which you can qualify for a premium discount, such as having low mileage per year, having had an anti-theft alarm installed, or being a loyal customer to a particular insurer.
#2 Make sure the coverage reflects the number of drivers
How many people drive your car on a regular basis? Perhaps there were two of you when you first took out the insurance policy. Maybe there was a teenaged child on your insurance, who has since moved away to college. A lower number of drivers also means a lower annual mileage number, which, in turn, can spell out saving on car insurance in Houston.
#3 Make sure you have good credit scores
Not many Houston car insurance policy holders know this, but a good credit score can often equate saving on car insurance in Houston. It makes sense when you think about it: good credit ratings mean you are a responsible person, who is less likely to be driving recklessly.
#4 Find the car insurance that fits
Another thing you will want to look into, if you’re on the market for saving on car insurance in Houston, is whether or not your current policy still reflects your lifestyle and living arrangements. Are you still driving the same care you were driving when you took out the coverage? Is your annual mileage the same? Have you recently purchased a house? All these situations (and plenty more) need to be accurately reflected by the car insurance premium you’re paying in Houston.
#5 Comparisons are essential for saving on car insurance in Houston
Since Texas laws require all motorists to have valid car insurance when out on public roads, there’s no way you can simply avoid this cost. But you can certainly do some window shopping for saving on car insurance in Houston. On average, car insurance premiums cost about $850 per year, but don’t assume that this is what you will be paying, as the variation margins are ample, from one provider to the next. Official data released by the Texas Department of Insurance state that the highest premium is $1,795, while the lowest yearly quote in the same state stands at a mere $316! So be sure to ask for as many Houston car insurance quotes as you can, before settling for one particular Texas auto insurer.