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Texas Department of Insurance
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Ask for discounts to lower your auto insurance premium amount

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Getting discounts is a great way to save on your auto insurance. Your company should sign you up for the discounts you qualify for, but it never hurts to ask about them and make sure. Companies don’t always offer the same discounts, but here are some common types you might get.

  1. Good driver discount

    Companies see good drivers as less of a risk. You can probably get this discount if you haven’t filed an insurance claim and have a good driving record.

  2. Safe car discount

    Cars with more anti-theft devices are less likely to be stolen, which is good for you and your company. If you have anti-theft devices or add them after you buy a policy, tell your company.

  3. Multi-car discount

    If you have more than one car on your policy, you’ll probably get a discount. You also might get a discount for having other policies with the same company, like a home or renters policy.

  4. Low-mileage discount

    If you don’t drive much, your chances of staying accident-free are better. Let your company know if you work from home or only drive for pleasure.

  5. Good student discount

    If you have high school or college students who get good grades, let your company know. Companies often reward good students with a discount.

  6. Final tip

    If you’re not happy with the price of your insurance, shop for a better rate. It’s a good idea to shop at least every three years. You often get the best rates when you’re willing to switch companies. Start by getting sample rates at HelpInsure.com.

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Last updated: 4/7/2022