While most people know how important it is to have good Auto Insurance in South Austin TX, that doesn’t mean they have to pay any more than necessary. Insurance premiums are based on numerous factors, some of which are out of a driver’s control. However, drivers can do several things to save money without sacrificing coverage. When shopping for a new auto insurance policy, consider following these tips.
Take a Safe Driving Course
Accidents and tickets on a driver’s record can substantially increase their insurance rates, particularly if they come close together. Thankfully, some insurers offer discounts to those who finish defensive or safe driving courses; as a bonus, such classes may even help a driver remove points from his or her license.
Raise the Deductible
A deductible is the share the driver pays before the insurance company’s coverage kicks in. For smaller accidents, it can make sense to pay for repairs instead of filing a claim. Raising the deductible by even a few hundred dollars can significantly lower the monthly premium, but it is important to ensure there’s enough cash available to repair damage in the event of an emergency.
Bundle Different Policies
Many insurers offer discounts for those who buy multiple policies on one account. If someone already has homeowner’s or life insurance, buying Auto Insurance in South Austin TX from the same company can result in big savings. Consult a local insurance agent for advice on bundling policies to save money.
Consult a Local Insurance Agent
While there are numerous helpful online insurance quote tools, an automated program cannot help with comparison shopping, and it can’t take a driver’s unique circumstances into consideration. An experienced agent who understands the insurance market can help a driver ensure that they get all the discounts for which they’re eligible.
As one of the most respected agents in the area, Patrick Court maintains a good working relationship with a variety of carriers. This allows him to offer auto policies that are tailored to customers’ needs and budgets. Visit the website to learn more about his commitment to clients, or call State Farm today to get a rate quote.
