San Antonio SkylineTexas is a big state, and San Antonio is one of its biggest cities. There are a lot of roads and a lot of cars across the Alamo City, and across the Lone Star State. Statista showed that there were over 15 million drivers in the state in 2014.

Insurance rates vary based on many statistics, but the number of drivers on the road can be one factor. With so many drivers, it can be expensive for providers to offer auto insurance — particularly in San Antonio, which is home to more than 1.4 million people. ValuePenguin said the average car insurance rate in Texas in 2016 was around $135/month.

Texas requires minimum levels of car insurance for drivers across the state. Since rates trend higher in the state, drivers want to save as much as they can when signing up for insurance.

As an independent insurance agency, Cheapest Auto Insurance can compare prices across companies to help you find the best rate. However, you should always know what to ask about when shopping for an affordable policy. Many car insurance companies offer discounts on rates when you sign up.

Keep these common discounts in mind, and be sure to ask us about them when you sign up:
  • Bundling Discounts: This is a discount for carrying car insurance and another policy with the same company. For instance, you might bundle your car and home insurance coverage to save on rates.
  • Payment Plan Discounts: Some companies offer discounts if you pay your entire rate at once. They might also provide savings if you pay in large increments, such as one payment every six months.
  • Automatic Payment Discounts: By enabling automatic payment, you allow your insurance company to automatically deduct policy payments from your bank account. You might get a discount for this practice. You won't have to write a check each month, either.
  • Early Enrollment/Renewal Discounts: If you need to change your policy, do it early. You could get discounts for notifying your company of changes more than 30 days in advance.
  • Prior Insurance Discounts: If you already have insurance, you might get discounts because you are a reliable customer who has always had coverage.
  • Previous Policyholder Discounts: You could qualify for discounts if you carry your insurance with the same company year over year.
  • Safe Driver Discounts: If you don't have an accident or traffic tickets on your driving record, you might be eligible for discounts. At the very least, your rates are likely to remain stable.
There are many other factors that could qualify you for discounts. Your age, marital status and education status may play a role in saving you money. You can also often qualify for discounts for the type of car you have, the length of your commute and other usage statistics.

Find out which discounts you might qualify for. Call Cheapest Auto Insurance at (210) 349-7826 for a free San Antonio auto insurance quote.

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