Auto Insurance: 8 Clever Ways Texans Can Bring Down Their Premiums

Car insurance premiums can be one of the most expensive parts of being a car owner. Auto insurance is required throughout most of the US, and Texas is no exception. In the event of an accident you cause, Texas law requires you to be able to pay for all of the damages incurred. For most Texans, taking out insurance is a simple and hassle-free way to ensure they meet this legal responsibility. 

It is important not to prioritize cost over quality when it comes to auto insurance. The best car insurance can protect you in a wide range of scenarios and can provide you with invaluable aid if you get injured in an accident yourself. Still, it makes good financial sense to do what you can to bring down premiums when possible. 

Buy The Right Vehicle

Some cars are cheaper to insure than others, so if you’re due an upgrade for your vehicle, consider looking at options that will cut back on your premiums. You can find plenty of lists online of the cars that are cheapest to insure, or you could check the quotes you get from price comparison sites to see the benefits yourself. Things that impact a car’s insurance costs include the cost of the car, how expensive it is to repair, and its safety record. 

Avoid Unnecessary Driving

The more you drive, the higher your insurance premiums will be. This is because the more time you spend on the roads, the higher the likelihood of you experiencing an accident. While cutting back may not be possible for many Texans, those based in major urban or suburban areas could cut back on driving and take public transport instead. You could also try walking or cycling more often and add a little health bonus to the money saved. 

Make Use Of Multi-Car Discounts

If you have multiple cars that need to be insured at once, you could benefit from a multi-car discount from your insurer. This is essentially bulk buying in insurance, and many providers offer it as a way to entice larger families or people with multiple cars to their business. Check out the quotes you get for insuring one car against insuring two or three to see what kind of savings you could make. 

Join The AARP

Some insurance providers offer discounts to members of certain groups. One great example of this for Texans is The Hartford, which provides car insurance Austin TX at a 10% discount for AARP members. Not only do The Hartford provide excellent value for money, but their AARP insurance has a range of benefits in coverage that could benefit any driver over 50. 

Shop Around For The Right Provider

Shopping around should be a staple for any smart financial choices you make. Many insurers will offer incentives for you to bring your business to them, such as discounts or freebies that come with the policy. Check regularly to see what kind of offers there are for the insurers you’re considering but be careful to think it through and not give in to impulse purchasing or pressure tactics. You could also talk to your current provider to see if they can match quotes you’ve received elsewhere. 

Pay In One Go

Paying your insurance premiums in one go is almost always cheaper than paying monthly. Unfortunately, this is one of the catch-22s of buying insurance, as people often opt for monthly payments because they can’t afford to pay for the policy outright. It might help to start saving as soon as you take out your new policy and try to pay in one go when the insurance renews. 

Increase Your Deductibles

The more you pay in deductibles, the lower your insurance premiums will be. Of course, the higher your deductibles, the more you will have to pay out of pocket if something does happen. You should think carefully before using this option, as you’ll normally see the benefit if you increase deductibles from $250 to $1,000. If you do this, it is vital that you have sufficient savings to cover the $1,000 deductible so that you aren’t left in debt or on the wrong side of Texan law. 

Take A Defensive Driving Course

Defensive driving courses can help you to become a better and safer driver, making you a lower risk in the eyes of your insurance provider. There are plenty of defensive driving courses available to help you manage emergency driving situations safely. You can even take these courses online, though you should check with your insurance provider to ensure that they accept the course you take. 


There are plenty of options available for Texans who want to bring down their car insurance premiums without sacrificing the quality of their coverage. You’ll need to be strategic about your insurance and take steps to make yourself a lower risk in the eyes of insurance providers. It is also crucial to shop around until you find a provider with the right benefits and value for money to make your insurance investment worthwhile.