There are a lot of things that can affect your car insurance costs that you can’t change. Your age, the kind of vehicle you own and your accident and moving violation history can all negatively impact your insurance rates in Houston. On the bright side, there are still a lot of things you can do to secure yourself a better insurance quote. If you want cheaper Car Insurance in Houston TX, here’s an easy 4-step plan to lower rates.
Work on Improving Your Credit
Before you begin shopping around for a better insurance rates, spend some time polishing up your credit report. Insurance agencies routinely use credit ratings to help them determine rates for their customers, and the worse your credit is, the higher your insurance premium will be. Luckily, if you improve your FICA score by as little as 50 points you’ll see an improvement on the price of your policy.
Take a Defensive Driving Course
Want an easy way to instantly qualify for a 10% discount on your car insurance? Take a defensive driving course before you start asking for new quotes. These road-safety classes are usually offered through your local DMV, and most insurance companies will offer a reduced rate if you’ve successfully completed one.
Shop Around
Now it’s time to shop around! Insurance rates fluctuate wildly from year to year and even quarter to quarter, so don’t assume the company you’ve always done business with will be able to offer you the best rates. Your best bet is to shop around and get quotes from several different companies. Don’t always assume the major national companies have the cheapest coverage. Often, smaller Insurance companies can offer rates that are more affordable.
Ask About Discounts
So, you’ve found an insurance company that’s offering you a great rate. Before you sign, ask about any discounts you may be eligible for to save even more. Some lesser-known discounts that are becoming more common include reduced rates for college students, new parents and professionals who work from home. Also inquire about military veteran discounts, senior citizen discounts and low-mileage discounts. These discounts may not be readily advertised by your insurance company, so don’t forget to ask.
With a solid plan, you can pay a lot less for your Car Insurance in Houston TX. Shop smart, improve your credit and take advantage of any discounts you’re eligible to receive. Click here for more details.
