How to Save on Car Insurance in Mission, TX?

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The average cost of auto insurance in Mission, TX, is $1,553. This is much lower than the average cost of auto insurance in neighboring places such as La Homa, West Sharyland, Doffing, Palm View, and Alton. The amount of savings a driver can garner on auto insurance depends on numerous factors, some of which are explored below.

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Auto Insurance Requirements:

  • Texas law requires the following:

  • Liability Coverage- 30,000 of coverage for injuries per person.

  • Up to a total of $60,000 per accident

  • $25,000 of coverage for property damage

 

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.

Multi-Car Insurance:

Car owners in Mission, TX, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Mission, TX, is $2,702, while it would cost $5,404 for four cars. The amount of savings on multi-car insurance in Mission ranges from $404 to $808.

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Mission, TX, post-DUI, increases to $2,418. However, this is also dependent on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Mission. Other violations that can have a long-term impact on auto insurance in Mission include driving with an expired license and running a red light. The former leads to an increase of $1,047, while the latter leads to an increase of $362.