Reader’s Question:

I know that car insurance here in Houston is one of the most expensive. If it is ever gonna be a possibility, how can I get cheap car insurance?

George

Houston, TX

The rates for car insurance in Houston are more high-priced than nearly all cities in the state of Texas. We can blame it to the heavy traffic and a high theft rate. To keep your car insurance premiums as cheap as it could be, follow some simple steps:

–Maintain a blemish-free driving record and if you ever get a ticket, it may be discharged if you complete a defensive driving course.

–Put your other insurances such as homeowners and health with the same insurance company so that you can get discount, thus lowering your car insurance premiums.

–Vehicles have their own insurance ratings so make sure that the one that you drive has a low rating. Vehicle dealers could give a manual for insurance ratings.

–You may not know it but a number of insurers offer large discount by keeping continual car insurance.

– Be certain that you could have all the discounts that you can get. You may work with a car insurance agent to go over the different kinds of insurance. This may involve having a car alarm, having more than one car under your policy, having completed a safer driver course, etc.

–In case you have an older model vehicle, take into account only having auto liability insurance.

–Thinks about getting higher deductible on your collision insurance if you can manage to pay for it in case you file a claim.

–Shop various car insurance providers when it is time to renew your policy to ensure you would have better car insurance rates.
One of the best ways to lower your annual premiums is to have a higher deductible amount.. Like a $1,000, is what I carry personally.

Now, if you are a claim free and safe driver like I am, you could be saving a ton of money each year on your premiums.  People fail to realize that the deductible amount is only paid when they file a claim and their insurance company pays that claim.

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