Ways to Lower the Cost of Auto Insurance in Beaumont, TX

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The average cost of auto insurance in Beaumont, TX, is $1,467. This is lower than in most neighboring places such as Pine Forest, Rose City, Central Gardens, Lumberton, and Bevil Oaks. Residents of Beaumont should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Beaumont.

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Credit Score:

Having an “excellent” or “good” credit score will help car owners save on auto insurance in Beaumont, TX. As the table above indicates, the cost of auto insurance for a driver whose credit score is “exceptional” is as low as $1,259. This can go up to $2,393 if this score is “poor”.

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 Beaumont, TX, post-DUI, increases to $2,284. However, this also depends 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 Beaumont. Other violations that can have a long-term impact on auto insurance in Beaumont include driving with an expired license and running a red light. The former leads to an increase of $989, while the latter leads to an increase of $342.

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.

Anti-Theft Device:

Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower the cost of auto insurance. Savings from anti-theft devices can amount to $103, with a passive disabling device fetching the most amount of savings.

Multi-Car Insurance:

Car owners in Beaumont, 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 Beaumont, TX, is $2,494, while it would cost $4,988 for four cars. The savings on multi-car insurance in Beaumont also depends on the make and model of the vehicle.

Deductibles:

Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Beaumont on a low deductible ($500) is $1,452. It decreases to $1,227 when the deductible is higher ($1,000).