In Texas, auto owners review all options for lowering their insurance premiums. There are several discounts available to auto owners if they refrain from obtaining a traffic citation. The discounts could generate greater savings based on the choices made by the policyholder. A local insurer provides Auto Insurance in South Austin TX and explains all discounts available.
Clean Driving Records
Policyholders receive discounts on their auto insurance premiums by maintaining a clean driving record. Drivers who don’t commit moving violations and avoid accidents pay lower premiums overall. Select insurers provide additional discounts for each year that the driver isn’t involved in an accident.
The Total Number of Vehicles Added
Multi-car discounts also reduce the total value of the premiums. Whenever the policyholder adds two or more vehicles, the multi-car discount is available to them. It is possible to add other policies to an umbrella option that could include boats and recreational vehicles, too. The insurer will explain exactly what discounts are available and which vehicles generate the highest savings.
The Completion of Defensive Driving Courses
All drivers who complete a defensive driving course have access to an additional discount. The driving courses prepare the driver for a variety of circumstances that could lead to an accident. The discount is available each year whenever the policy is renewed. The policyholder and/or other drivers added to the policy have the option to complete further driving programs that provide discounts, too.
How the Policyholder Pays the Premiums
The policyholder has the option to pay their premiums each month, semi-annually, or annually. A discount is available to the policyholder if they choose semi-annually or annually. The annual premium payments provide the greatest discount. If they choose to use an automatic draft to pay the payments, further discounts could apply.
In Texas, auto owners start insurance policies to protect their investments. Auto insurance is available in a variety of coverage levels for each driver added to the policy. However, certain circumstances afford the policyholder with discounts if the drivers maintain safe driving records. Auto owners who want to purchase Auto Insurance in South Austin TX or learn more about discounts contact Patrick Court at State Farm today.
