You can’t be a genuine Texan if you haven’t visited The Alamo in San Antonio, Texas. It’s one of the most historic sites in the United States. Visiting the place where great men, such as Jim Bowie and Davy Crockett, once stood their ground against the Mexicans would be exhilarating to history buffs everywhere.
However, going on this trip would require getting the best car insurance in Texas. As the 7th most populous city in the country, San Antonio has its fair share of automobile accidents. According to a survey in 2015, the likelihood of having a car accident in San Antonio is 24.2%. That means two people sustain injuries every day, and one person dies every three days due to road accidents. That number is pretty high.
Although Texas is one of the states that lean toward cheaper car insurance costs, it’s no secret that the premiums have been increasing these past few years. As such, it’s useful to know how to lower your car insurance premiums.
1. Compare Prices
Don’t just settle on your first choice. Get at least three quotes from car insurance providers before making a decision. It’s best to choose a company that’s financially stable with a good customer satisfaction rating. It’ll also be useful to check with your state insurance department if they can provide information about the company you’re interested in or if there are any customer complaints worth noting.
Before buying a car, it’s good to check the auto insurance costs first. Most car insurance firms base the premiums on the car’s price, repair cost, overall safety record, and the likelihood of theft. You might get discounts if your car has features that minimize the possibility of injuries or theft.
2. Request Higher Deductibles
A deductible is the payment you make before insurance is applied. By asking for higher deductibles, you can minimize costs by as much as 40% on your monthly or annual premiums. You must have the exact amount set aside if you make a claim
3. Maintain a Good Credit Standing
The bigger the risk, the higher the insurance premium. Because most insurance companies base the price of auto insurance policies on your credit information, having a good credit rating can help lower the costs. A study conducted in 2003 concluded that people with good credit ratings filed fewer claims when compared to consumers with low credit ratings. As a result, the company sees it as less of a risk if they give a person with good credit an auto insurance policy.
4. Inquire About Low Mileage Discounts
Most insurance companies offer discounts for those people with low mileage and drive less than the average miles per year. If you don’t cover a lot of ground with your car, there’s less risk of you being in an accident and making a claim. It’s not the same for all companies, but as a general rule, 0 – 7,500 miles per year is considered low-mileage. The average in the United States is 12,000 miles annually.
If you were successful in choosing the best car insurance in Texas, it’s a good idea to go to the Big Bend National Park in West Texas next. The park is 801,163 acres of Chihuahuan Desert ecology that boasts 450 kinds of birds, 56 kinds of reptiles, and 75 types of mammals.
Now that you already have car insurance, start thinking about getting personal insurance as well. Traveling in the desert can be dangerous, especially when snakes are involved.