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With gas prices creeping up to $5.00 a gallon, saving money on your Texas auto insurance is more important than ever.  Here are a few simple things that Texas drivers can do to save money on their insurance premiums and offset the increasing cost of driving a vehicle in today’s tough economy.

1. Increase the Amount of Your Deductible

A deductible is the amount of money you must pay before your insurance coverage takes effect.  The lower the amount of your deductible, the higher your premium.  Here’s where you can save: increasing your $250 deductible to $500 will save you 30% on your premium each year.  If you increase it to $1000, you can save more than 40%.

2. Analyze your Insurance Policy

Are you paying for collision insurance on an older vehicle that’s worth less than the deductible?  What about comprehensive insurance, which covers things like vehicle theft, accident damage and vandalism – all of these components of your insurance policy add up to a hefty premium on a vehicle that may not be worth the coverage. If the annual cost of collision and comprehensive coverage is more than 10% of your car’s value, you may want to drop it.

3. Discounts may be Available – Just Ask

Many Texas insurance carriers offer “safe driver discount” to drivers who complete an approved Texas Defensive Driving Course, or for installing anti-theft and safety devices on their vehicles and having multiple policies – known as a “multi-line” discount – with the same company.  Something as simple as setting up electronic withdrawal of your monthly premium can even earn you a discount.

4. Compare Quotes at Least Once per Year

Use an online insurance quote tool to compare Texas insurance rates at least once every 12 months.  It only takes a few minutes and it could save you hundreds of dollars on your insurance.

“Does it come in silver,” or “what’s the mileage?”… These are typically the types of questions we ask when purchasing a new vehicle.  But start asking “what does it cost to insure?”  Your insurance company will tell you exactly what the vehicle you’re considering will cost to insure and it may change your mind