Houston Car Insurance For First Time Driver
Q. I am only 17 and live in Houston and want to buy a new car next week, what do I have to pay for car insurance? I heard it will cost as much as the monthly car note?
Daniel in Houston
A. You’ve just bought your first new car and now you need to get car insurance for that vehicle. You’re not sure what to do and you want to make sure you get the most affordable rate. You don’t want your lack of knowledge to cause you to have to pay more for your car insurance than what you have to; especially since you need to put very expensive fuel in that car to keep it running.
Fortunately, lack of knowledge doesn’t have to get in your way. There are some basic things you should know about buying car insurance for the first time. They are not difficult and you’ll find that the difference between knowing these things and not knowing these things means more money you can keep in your pocket or use to put fuel in your car. It doesn’t matter how you choose to use that money.
Some discounts and tips for lower rates
1. Good grades for students
2. Good driving history – no prior accidents or tickets
3. Good credit history – you pay your bills on time ? Bad credit or slow pay history will increase your premiums
4. Member of a credit union or bank and in some cases fraternal organizations like Rotary, Lions Club, VFW etc.
5. Military personnel
6. Raise your deductible amount to as high as you can – this alone can reduce your payments drastically
7. Combine other insurance together with the same company like home and auto
8. Pay in advance, some carriers will lower your rate if you pay a year in advance
9. Buy online – companies like Progressive are offering discounts to customers who buy online rather than via an agent
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