(800) 253-1482How to Get Discounts on Auto Insurance in Texas
Summary: Car insurance in Texas offers numerous discounts, including bundling your home and auto policies, affiliate discounts, good driver discounts, and much more. Even if you don't qualify for everything, it's important to compare auto insurance discounts to find the best savings for your coverage. Estimated Read Time: 6 mins
Table of Contents:
- Multi-Policy Discounts and Bundling in Texas
- Affiliate Discounts in Texas
- Low Mileage Auto Insurance in Texas
- Good Student Discounts in Texas
- Discount Auto Insurance for Seniors in Texas
- Defensive Driving Course Insurance Discounts in Texas
- Good Driver Discounts in Texas
- Auto Insurance Discounts for Safety Features in Texas
- Policy-Related Discounts in Texas
- Compare Car Insurance Discounts in Texas
Car insurance discounts in Texas come in all shapes and forms, providing many different opportunities for drivers to protect themselves while saving on premiums. Below, we’re exploring the many common auto insurance discounts drivers can compare to keep more money in their pockets.
Multi-Policy Discounts and Bundling in Texas
Bundling home and auto insurance simplifies coverage management and can significantly reduce premiums.
Depending on your needs, there are combinations with home, condo, or renters insurance, available for homeowners and renters alike to protect their vehicles, homes, and personal property.
Bundling typically consolidates coverage, making it easier to manage while unlocking additional savings.
Car insurance offering multi-policy discounts can simplify coverage for households with multiple vehicles while also maximizing savings.
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Affiliate Discounts in Texas
Affiliate discounts reduce car insurance premiums for members of certain groups or organizations.
These groups include professional associations, alumni networks, employers, and more.
Military personnel, federal employees, and credit union members frequently qualify for these auto insurance discounts.
Always check with your insurer to see if your group membership qualifies for a discount on auto insurance.
Low Mileage Auto Insurance in Texas
Car insurance costs in Texas have many factors, including how much you drive, and by driving fewer miles, you can save money for your coverage.
Low-mileage car insurance is for drivers who travel less frequently—typically a figure lower than 10,000 miles per year, though the range can vary depending on the carrier.
How much you save will also vary, with savings up to 20%.
Pay-per-mile insurance is also available and charges a base monthly rate plus a per-mile fee, making it cost-effective for infrequent drivers.
If you have a life change and find yourself driving more, be sure to shop around for low-mileage policies that can help reduce premiums.
Good Student Discounts in Texas
Good student discounts are available and help families keep full-time students who maintain a high GPA with savings of up to 20%. Students are often some of the most expensive demographics to insure making these discounts highly beneficial for drivers that qualify.
In Texas, completing a driver’s education course is a requirement for obtaining a learner’s permit and license and they last six hours whether or not they're taken online or in-person.
To maximize savings, it's important to check with your insurance company to ensure the driver’s education course meets their discount criteria.
Learn more about cheap car insurance for students in Texas by clicking the link.
Discount Auto Insurance for Seniors in Texas
Depending on age, health, and driving record, mature drivers may have trouble keeping their premiums down.
However, auto insurance for seniors in Texas can offer plenty of discounts and opportunities to lower your premium without sacrificing coverage.
With that being said, unlike some states, Texas does not have any discounts for seniors specifically mandated by the government.
Defensive Driving Course Insurance Discounts in Texas
Taking a defensive driving course voluntarily can help drivers save on car insurance, with many companies offering up to a 10% discount.
However, the availability, requirements, and how much you save are going to vary depending on where you live and who your carrier is.
Good Driver Discounts in Texas
Discounts on car insurance are available as carriers reward safe drivers with lower rates since they're less likely to file claims.
Avoiding DUIs, speeding tickets, and accidents can qualify you for discounts. While criteria vary by insurer, responsible driving helps keep your premiums low.
What Is No Claims Discount on Car Insurance?
In the UK, a no claims discount (NCD) or no claims bonus (NCB) rewards drivers for not filing claims within a set period. NCBs are a type of own damage (OD) discount.
Similarly, Texas offers good driver discounts for safe driving. The more claim-free years you have, the larger your discount becomes, lowering your car insurance premium.
Keep in mind that most insurance companies in the U.S. automatically factor this discount into your quote.
The exact amount you save varies depending on your carrier and you may need to provide proof to transfer your NCD to a new vehicle or policy.
Additionally, an NCD usually remains valid for a few years after your policy ends, offering continued benefits if you switch insurers or vehicles.
Telematics Discount
Many auto insurance companies offer telematics programs, which track your driving behavior through an app or a device plugged into your car.
If you drive safely, such as avoiding going over the speed limit or sharp, hard braking, you could see lower premiums.
However, you have to make sure you're driving safely, otherwise, your rates may increase.
Furthermore, because of the nature of urban driving, those living and commuting in cities may find it best to avoid telematics programs as stopping and going in traffic could be misconstrued as dangerous driving.
Auto Insurance Discounts for Safety Features in Texas
Insurance companies offer discounts on auto insurance for vehicles equipped with various safety features—anti-lock braking systems, airbags, electronic stability control, anti-theft devices, and more.
Additional safety technologies like lane departure warnings, automatic emergency braking, and rearview cameras can also qualify for savings.
Discounts vary by insurer, but these features are designed to reduce accident risks, ultimately lowering premiums for responsible drivers.
Be sure to check with your insurer to see which safety features can help reduce your rates.
Policy-Related Discounts in Texas
Policy-related car insurance discounts are easy to qualify for and are based on how you buy and pay for your policy.
One common option is the automatic payments discount, which helps avoid late fees by setting up automatic billing.
A paid-in-full discount offers savings if you pay your policy upfront. If you need to cancel, most insurers will refund the unused premium months.
Another option is the early shopper discount, which is available from some carriers when you get a quote for your auto insurance before your current policy expires.
Some insurers require quotes to be made a week in advance of your new policy’s start date.
Finally, the paperless discount is one of the easiest to qualify for by simply switching to electronic statements. It’s less paperwork to deal with and more cash in your pockets.
Compare Car Insurance Discounts in Texas
While you may not qualify for every auto insurance discount available, chances are, you’re going to find some that fit your personal situation.
Enrolling in these discounts is an important step in saving money, however, since every carrier offers their own version of these discounts, how do you know which one is right for you?
Discounted rates are great for drivers but the best tool you have available is simply comparing car insurance policies and choosing the carrier offering the best protection for your needs at the lowest possible price.
Our team works with top-rated insurance carriers offering car insurance discounts in Texas, along with bundles you can trust to maximize your savings.
Use our free, no-obligation tool below for a quote to compare car insurance discounts near you, or ask an agent today by calling the number above.
Related Read: How to Save on Your Auto Insurance in Texas
