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Texas Department of Insurance
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January 11, 2024

Shopping and saving on Texas auto insurance


Your auto insurance is up for renewal and you want to lower your costs.

Here are some ways to reduce your premium:

  • Seek discounts. You may be missing available discounts. Ask your insurance company about discounts for having a student driver with good grades—or for drivers in your family being accident free. Discounts can also apply if you’re insuring your home with the same company.
  • Choose a higher deductible. You could reduce your premium by paying a higher deductible if you need to make a claim. Keep in mind this kind of price cut up front could mean you have to pay more out of pocket if you get into a wreck.
  • 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. And 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.

Hear more about shopping for auto insurance in the latest Texas Insurance Podcast.

Learn more