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Texas Department of Insurance
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April 2022

Want to save money on car insurance?

People routinely price-shop food, clothes, tech products, and other items.

It also pays to shop around for insurance. Companies charge different rates and the company you’re with might have raised rates. Insurance companies want your business, and you often get the best rates when you’re willing to switch companies.

Do companies have discounts to help lower the cost?
Yes! Some companies offer discounts if you have a good driving record. There are also discounts for having an alarm on your car, taking defensive driving or driver’s education courses, and having more than one car on a policy. Companies have a lot of discounts, so ask your agent what type of discounts they offer.

What about lowering my deductible? Would that save money?
A deductible is the amount you must pay before the insurance company will pay. A lower deductible generally means that you’ll have to pay more for the policy. You’ll want to think about how much you can afford to pay if your car is damaged.

Have a question about insurance? Call the Texas Department of Insurance at 800-252-3439 or visit