Auto insurance savings in Texas

What is your Texas auto insurance discount?

It takes seconds to find out! Get quotes from local agents specializing in Texas Auto Insurance Discount Programs

How much can you save?

Our Insurance Provider Network

Available Texas Auto Insurance Discounts:

To help you find the best rates on auto insurance, we've compiled the top ten auto insurance discounts available in Texas. If you qualify for any of the discounts listed below, be sure to compare auto insurance quotes and find a policy that gives you the rate you deserve.

  1. Home and Car Discount
    Purchase your home or renter/condo insurance from your auto insurance company and receive a discount on both.
  2. Car and Life Discount
    Providers that also write life insurance polices will usually grant discounts if you bundle life and car insurance together.
  3. Anti-Lock Brake Discount
    Vehicles that stop faster and more efficiently are safer and, therefore, cheaper to insure.
  4. Anti-Theft Discount
    Devices like Allstar, Lojack, and Teletrac help prevent auto theft and help law enforcement officers recover stolen vehicles. This means better security and better rates
  5. Accident Free Discount
    It makes sense: if you have a proven accident-free record, you pay less.
  6. Defensive Driving Course Discount
    As a graduate from an accredited defensive driving course, you should receive a discount.
  7. Good Student Discount
    Keep your grades up and your rates down. Usually a 'B' average or better is required.
  8. Organization or Club Membership Discount
    Many club memberships qualify you for an auto insurance discount. MENSA, fraternities and sororities, AAA, and certain other memberships might reduce your overall costs.
  9. Paid in Full Discount
    Paying for your policy in full instead of breaking it up into incremental payments qualifies you for a discount.
  10. Senior Discount
    Some companies offer a reduction in cost of Personal Injury Protection (PIP) for older drivers.

*Please Note:
Not all discounts are available from every company for every person. This article is intended as a jumping off point for a conversation between you and your insurance agent.

Why Use Quotes For Texas

If you're shopping for auto insurance in Texas, Quotes For Texas is the best place to find cheap car insurance quotes. After you fill out our simple form, four local Texas insurance agents will contact you with their best rates. You can compare the policies and pick one that's right for you.

With Quotes For Texas you can:

  • Compare Texas Car Insurance Rates
  • Find a New, Cheaper Car Insurance Policy
  • Shop Online, Quickly and Easily
  • Save Money Right Now

State Minimum Insurance Levels

Every state's minimum insurance levels are slightly different, but all of them include these three basics components:

Individual Bodily Injury Liability (BIL):
This is the maximum amount that your insurance company will pay for an individual person injured in a car accident. National minimums range from $10,000 to $50,000.
Total Bodily Injury Liability:
This is the maximum amount that your insurance company will pay in total for every person injured in a car accident. National minimums range from $20,000 to $100,000.
Property Damage Liability (PDL):
This is the maximum amount that your insurance company will pay for property damage caused by a car accident. This includes all physical damage such as vehicle damage, damage to road signs and telephone poles, and any other non-medical expenses caused by a car accident. National minimums range from $5,000 to $25,000.

No matter what your state's minimum insurance levels are compared to the national average, it's important to consider purchasing more than the bare minimum. With so many cars on the road worth $50,000 or more, it doesn't take much for a car accident to produce tens of thousands of dollars in damage. The same goes for Bodily Injury Liability requirements.

It's definitely worth paying a few dollars more for higher coverage levels. Otherwise, you take the risk of finding out after an accident that you don't have enough insurance. Often, it doesn't cost much to bump state minimum levels up to a safer level like 100/200/100.