Best Car Insurance Rates in Texas

Reader’s Question:

I am currently unemployed here in Texas. Although I have saved up enough to get by for now, I figured I would still need to cut down on expenses, including those on car insurance premiums. Can you give me some tips on getting the best car insurance rates?

Matt

Dallas, TX

There are a lot of ways you can save on your car insurance premiums. For starters, you can inform your auto insurance provider that you won’t be using your car as much since you are currently unemployed. By logic, less mileage would mean less probability of you getting involved in a road accident. You can also use your certificate of good driving as a bargaining chip to get discounts. A good driver means, by the way, a safety conscious driver. Auto insurers would certainly appreciate (and rightfully reward) safety conscious driver-clients. If you are mindful of road safety, the likelihood of you being involved in an accident would be far less than, say, teenagers who are still experimenting with booze and cars. And, of course, no accidents mean no claims – which is what your insurer really wants. You are sure to get the best car insurance rates this way.

Car insurance companies can also check with police records if you have been issued traffic violation tickets, or if you have SR22s. Assuming you were not flagged down by a police traffic patrol officer for drunk driving or speeding violations, it should be easy for you to convince the insurer that you are, in fact, a good driver. You can also take additional safety driving courses to help convince them. These courses are given through your local DMV office down there in Texas, so you might want to check with the local office for the course schedules. A certificate proving you went to a safety driving seminar would be enough to convince your car insurance provider that, indeed, safety is your utmost concern. Just by establishing that you are a safety conscious driver, I’m sure you can demand lower car insurance premiums.