Ways to Lower the Cost of Car Insurance in Tomball, TX

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The average cost of car insurance in Tomball, TX is $2,024. This is slightly more expensive than neighboring places like Magnolia, Northwest Harris, and Pinehurst but less expensive than locations like Woodlands and  Stagecoach. Car owners in Tomball, TX can save more on car insurance by understanding various factors that affect the cost of insurance. 

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Multi-vehicle Insurance: 

Drivers who own multiple cars in Tomhill, TX, can make use of a multi-vehicle insurance policy and save more by insuring their vehicles with the same auto insurance company. Insurers offer various discounts on multi-car insurance policies. Bundling is another way of increasing your savings. 

The cost of insuring two cars under a multi-car insurance policy in Tomball, TX, is $3,562 which can help you save $486. Moreover, insuring three cars under a multi-car insurance policy costs $5,343 which will give a total savings of $729. The savings on multi-car insurance in Tomball also depends on the make and model of the car.

Defensive Driving Discount: 

According to the Texas Department of Insurance, auto insurance companies may give a discount on car insurance to drivers who complete the Defensive Driving course. This training course is designed for improving the safety and driving skills of an individual. Different insurance companies have different parameters for deciding the qualifier of defensive driving discount but stats suggest that companies reserve it primarily for young drivers or people above the age of 50. 

Most insurance providers happily reward safe drivers with discounted rates. Below are the details of some auto insurance companies providing a Defensive Driving discount in Texas.

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Credit Scores: 
Having an “excellent” or “good” credit score will also help car owners save on auto insurance in Tomball, TX. Several auto insurance companies provide discounts to the car owner that have a higher positive credit score.  Car insurance companies use the Credit Score of car drivers to determine suitable car insurance rates.

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.