The change in Texas insurance laws on April 1, 2008 will probably have a lot of people looking for free Texas car insurance quotes to see if they can get a lower premium than they have with their current car insurance company. Minimum coverage required by law is changing to $25,000 per one injured person, $50,000 maximum per accident and $25,000 for vehicle damage.
Where To Get A Free Texas Car Insurance Quote
You could spend a lot of time going through the phone book and calling insurance companies, providing your information over and over again or you could simplify things by doing one of two things:
- Visit an independent broker or agent. They can pull up quotes from different companies and answer any questions that you have. Even better is you will only have to provide your information once. Independent brokers and agents are paid on commission by the insurance companies for selling policies so it’s not going to cost you any more or raise your premium.
- The Internet puts everything right at your fingertips. Once again, you will only have to give your information once to get quotes from several different companies. This will help you narrow down companies that you may want to do business with and as well as give you a change to put together a list of questions that you would have for a broker/agent or a representative from the insurance company.
Use our free Texas auto insurance quote finder to get the best of both worlds. Enter your information in just one time and then view free TX car insurance quotes from the top Texas health insurance brokers and agents that are local to your part of Texas.
Ways To Save Money On Your Texas Car Insurance Quote
Always answer all questions accurately that way you don’t get any surprises when it comes time to actually sign the insurance paperwork. You don’t wan to find out that your premium is nowhere near the quote that you were given.
There are many discounts and opportunities are available on your TX car insurance. Be sure to check into these to see if you qualify.
- A safe driver discount is available for drivers with no accidents or moving violations on their driving record.
- You can get a discount on your car insurance if you are 50 to 55 years old and can save a bit more if you take a defensive drivers course.
- Discounts are available if certain safety equipment is installed in your car such as anti-lock brakes, air bags, daylight running lights and automatic seatbelts.
- Installing anti-theft devices and GPS systems can lower your rates by protecting your vehicle from theft.
- Cars that are driven less than $7,000 a year can receive a discount.
- It’s not a discount, but your credit history has a lot to say about your rates. If you have a low credit score your rates are going to be higher.
- If you have homeowners insurance check with that company to see if they offer car insurance as well. Most insurance companies will give you discounts for having multiple policies with them.
- You can also save some money by putting all your vehicles on one policy instead of having a separate policy for each one.
- It is cheaper to put your teen driver on your policy instead of getting the teen driver a separate policy. The rates for the teenager will also be lower if he or she maintains a B average in school or has taken a drivers education course.
- Get a higher deductible. Raising your deductible from $500 to $1000 can save you money, but you don’t want to do this unless you are sure that you can cover $1000 if you are in an accident.
- If you have an older car it may not be cost effective to carry full comprehensive insurance on it. Check your policy at least once a year to make sure you don’t have to make changes. You want to have adequate insurance to meet both the requirements of the state as well as financially protect yourself. By the same token you don’t want to pay for more insurance than you need.
Compare Free Texas Car Insurance Quotes Now!
We have provided a free tool at the top of the page to get started comparing free TX auto insurance quotes from many different Texas insurance companies.
Why not save yourself a little time and money?
Get started comparing free Texas car insurance quotes now!