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Texas Department of Insurance
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Ways to save money on car insurance


Shopping for auto insurance is like shopping for any major item. It's a good idea to shop around to find the policy that best meets your needs and budget.

  1. Ask about discounts

    Getting discounts is a great way to save. Ask your car insurance company if it offers discounts for:

    • Driving fewer miles.
    • Maintaining a good driving record.
    • Setting up automatic payments and going paperless.
    • Signing up for a driving monitoring program.
    • Certain occupations or group memberships.

    Your company should sign you up for the discounts you qualify for but ask to make sure they do.

  2. Look at your deductible

    A deductible is the amount you pay before the insurance company will pay a claim. Switching to a higher deductible can lower your insurance premium.

    But remember, a higher deductible means you’ll pay more out-of-pocket if you do have a claim. Think about how much you can afford to pay if your car is damaged.

  3. Review your coverage

    The various coverages in your policy add up to your total premium.

    • If you have collision coverage on an old car that's paid off, make sure the car’s value is worth more than what you’re paying for that coverage.
    • If you have gap coverage on your car, you can cancel it when you owe less than your what vehicle is worth.
    • Tell your insurance company if you’re working from home and no longer driving to work. They might offer a pay-per-mile policy that would save you money.
  4. Shop around

    Companies charge different rates and the company you’re with might have raised your rates. Companies want your business, and you often get discounts as a new customer. Start by getting sample rates at

    Check how much insurance costs before you buy a car. Some types of cars are more expensive to insure.

    Remember: A good price is only a bargain if you also get good service. Call the Texas Department of Insurance (TDI) Help Line at 800-252-3439 to check a company’s complaint record before buying a policy.



Questions? Call us at 800-252-3439.

Last updated: 5/15/2024