In Houston according to valuepenguin.com out of all the major cities in Texas,
Houston may have the most expensive rates in the state almost double of the smallest premium in the state. But here are a few tricks to lower your rate.
Sometimes major brands can actually charge more for car insurance and here is why. They only promote themselves and are not independent. They can only promote the products they offer and often times force you into getting a bundle to lower your rates. This can be okay for some but for others it can get pricey. Some ways to avoid overpaying is searching for alternative options or independent insurance agents. Independent insurance agents work by having more companies in their portfolio and are able to offer more rates and discounts. With more options they can find often times better rates. Here at Cheapest Auto Insurance in Houston we are also independent insurance agents and have been doing just that. Finding lower rates for our clients over the past 3 decades.
Your driving record is an obvious one but here are some ways to lower the effect of having a bad driving record. You can take online courses and complete a driver safety course and get a certificate upon completion which you can present to an agent to lower your rate. Also there are some local places you can go to in Houston to take driving classes as well. Like Monroy Driving School or Houston Driving School to name a couple places you can visit. The certificates last up to 3 years with most companies and over time those reduced rates add up! Even taking a course with a good driving record reduces rates most of the time. Talk to your agent for advice to see what course you should take.
Know what coverage’s you need for the road ahead. Often times some people may cover to much insurance coverage for their vehicle and never use what they’ve been paying for, for years. So make a checklist of things you may need your insurance for and then decide whether you need full coverage with high liability limits and so on. To legally drive in Texas all you need is liability insurance.
Check out an article we wrote on the minimum you need to hit the road in Texas.
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