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Learn What Drives Your Rate
It starts with you. An insurance company needs to know the basics to get started: your age, sex, marital status, driving record, and the details about the car you drive. Why so many questions? Auto insurance companies take these factors into account to offer discounts and coverage options that match your lifestyle.
Before you buy a policy, your company will verify driving record and claims history. Texas law also permits insurance companies to use an insurance credit score to underwrite and price your policy, but you can't be denied coverage solely on the basis of your credit history.
Where You Live Matters
Texas is #20. If you moved to Texas from out-of state, you may have been surprised by how much less - or more - you were paying for auto insurance. Texas ranks 20th on the list of average cost of insurance. Drivers in crowded urban areas like Dallas, Houston and San Antonio pay huge premiums, because the frequency of car crashes is greater than in the suburbs. And, car thefts are highest in the Southwest, so an anti-theft or tracking device can help.Protect Yourself and Your Passengers
Know what's required and what you need. Texas law requires the owner of a car or truck to buy insurance. But, it does not require you purchase insurance over the state minimum and that means that even a driver who buys insurance may not have enough coverage for injuries. Comprehensive and Collision coverages protect your investment in your daily transportation. Gap Coverage may be a good idea for a brand new car, unless you have guaranteed replacement cost from your insurer.$517 New Customer Savings: Jun. 2010
Drivers who reported savings after switching car insurance companies at insurance.com last month saved $517 a year. Savings vary by state.
You May Be Paying Too Much
Get better coverage at a lower rate. Even if you have more than the Texas state minimum, you might not have the right coverage. You could actually be paying for coverage you don't need. Or you might find a lower rate if you shop for quotes from multiple companies.
An annual policy check-up is the best way to find out if you're paying too much. Compare quotes and pick the policy that's best for you. Ready?
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