Empower Blog


7 Ways to Save on Auto Insurance

Jul 19, 2016

 

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Thanks to vacations and activities for your kids, it's easy to lose track of your finances and drain a hole in your bank account during the summer. A quick and easy way for you to save money is to reevaluate your Texas auto insurance policy. By looking at different savings options you can find yourself with some extra cash in your pocket the next time your premium is due!

Examine your Car - Do you own an older car that isn't worth much? Make sure you're not overpaying for comprehensive coverage on a car that isn't worth the price to replace it. If you have an extra old vehicle just sitting around in your driveway or one that you rarely drive, you can pay for a liability only insurance policy and save money.

Check your Car's Safety Features - If you drive a smaller car that thrives on safety or a car with added safety features like extra airbags or an anti-theft system, you can find a lower insurance premium.

How Much Do you Drive? - Is your commute to work short and you don't drive much during your free time? Lower mileage vehicles are much cheaper to cover - by reporting your low mileage habits you can save some money on your insurance policy.

Take a Defensive Driving Class- Insurance customers who have taken a defensive driving course can qualify for extra discounts on their policy and are smiled upon by insurance companies for taking safe driving seriously.

Be a Smart & Safe Driver - Don't speed, avoid tickets, be alert and watch out for dangerous situations. By avoiding moving violations and accidents you can automatically save on your policy. Safe drivers cost the company less and they pass those savings directly onto their customers.

Ask about Discounts - Insurance companies offer discounts for things that you do in your everyday life; owning a home, living in a safe neighborhood, getting good grades, having a good credit score. Make sure you ask your agent to explore every possible option for current discounts you can take advantage of.

Shop Around For Insurance Deals! - Talk to your independent agent today so they can shop your rate around and find you the best deal. This is a quick and easy process and you will find that by looking at your options you can save money. Just give us a call to make sure that your auto insurance policy is up to date and you've got the best rate and coverage possible!