Discounts and Surcharges
Discounts can help you save money on your premium. Discounts vary by company. Following is a list of some of the discounts commonly available in Texas:
- defensive driving courses
- driver education courses for young drivers
- students with good grades
- parent or family whose young driver is away at school without a car
- airbags and automatic seatbelts
- automatic daytime running lights
- antilock brakes
- two or more cars on a policy
- driver age and annual mileage driven
- policy renewal with good claims and driving records
- antitheft devices
- a concurrent homeowners policy.
If you have a poor driving record, you can expect to pay more for your insurance. Companies may add surcharges to your premium – some as high as 60 percent – for the following:
- accidents (the more accidents, the higher the surcharge)
- moving violations (speeding, etc.)
- involuntary manslaughter
- driving under the influence
- criminally negligent driving
- driving without a license or with a suspended license.