Auto insurance discounts are price reductions for drivers who meet specific criteria, lowering premiums by demonstrating lower risk through safe driving (clean record, telematics), vehicle features (anti-theft), multi-policy bundling (car + home), low mileage, good student grades, or defensive driving courses, with some applying automatically and others requiring you to ask your Insurance Carrier or Agent.
Common Discount:
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- Safe/Good Driver: For accident-free/ticket-free records (often 3-5 years). For one Insurance Carrier your premium can be on an average 34% less that customers who have accidents or violations.
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- Paperless: You can get a paperless discount on Texas auto insurance from most major carriers, saving you money (often 3-10%) by opting for electronic bills and documents, a benefit also often combined with auto-pay for extra savings, making it an easy way to lower premiums with companies
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- Defensive Driving: Completing approved safety courses.
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- Multi-Vehicle: Save when you have more than one vehicle listed on your policy. You can add any car to your auto policy (belonging to a spouse, family member, or roommate), as long as it’s kept primarily at your address.
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- Muti-Policy: With same Carrier and some with same Agency!
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- Homeowners: Discount simply for being a homeowner.
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- Telematics/Usage-Based: Using apps/devices to track safe habits (braking, speed, time of day).
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- Automatic Payments: Setting up auto-pay with Credit Card or Checking
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- Paid In Full: Full premium upfront
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- Good Student: For teens with high GPAs (B average or better).
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- Student Away at School: If a student lives at college without a car.
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- Low Mileage: Driving fewer miles per year (e.g., under 7,500-10,000).
How to Get Them
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- Ask: You often need to ask your insurer about specific discounts, like the good student discount.
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- Check: Some, like airbag discounts, might be automatic, but always confirm with your company.
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- Shop: Discounts vary by insurer, so compare quotes annually.
Please note not that all discounts available are in the list above and some discounts are not available with your Insurance Carrier. We will do are best to update this list regularly. Please don’t hesitate to ask your insurance agent to check to see if you are taking advantage of all the discounts available to you from the carrier you are with. As always we are here to help you with any of your insurance needs at Hub Insurance Agency either online or by calling 361-756-5020.
Remember Discounts add up and this means you save more on your bottom line!