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Low Katy TX Insurance Rates – How to get best insurance rates in Katy Texas

In the current state of the economy, it is tempting to go without insurance.

This is a dangerous and foolish decision. Hoping that nobody side swipes your car while cruising down the street, breaks into your home while away at work or on vacation or that you will never get sick is not only unrealistic, it could be costly.

In Texas, as in most states, auto insurance is mandatory so if you reside in Katy, Houston, Fulshear, Brookshire, Round Rock or Sugar Land, you may not have the option. Homes get broken into and sooner or later, we all experience health problems.

If you are in the market for home, auto, health or business insurance in Texas, here are few ways to get the best insurance rates.

Raise your insurance deductible

Raising your auto insurance deductible from $200 to $500 or your homeowner policy deductible to $1000 from $500 could result in savings of 25% to 30% or more off your month premiums, says Frank Hursh, owner of Katy Texas Insurance Agency. The trick though is to make sure that you have enough savings to cover the deductible should the need arises.

Ask for insurance discounts

Most insurance policy holders do not take full advantage of the discounts they are entitled to. Are you a careful driver who drives less miles every year than the national average? Most insurance companies give discounts to drivers who drive lower distances. Also most insurance companies have discounts for older drivers who complete defensive driving courses.

There are discounts for teenagers with good grades in school, teenagers who complete defensive driving course, discounts for home ownership and discounts for cars with built-in safety features. Ask your agent if you qualify for these discounts.

Shop around for the lowest insurance quote

Another way to lower your insurance quote is to shop around. You can call a number of insurance companies, ask for their quotes and decide which quote is best for you. Or you can use the services of a local Katy insurance agent who will do all the work for you and get you the best quote with all the discounts you are entitled to. “That is what we do at Katy Texas Insurance,” said Frank Hursh. “ We do all the work, get the lowest prices, make sure you get the most discount and all you have to do is sign on the line and walk away happy,” he added.

Maintain good credit

Your credit history affects your insurance rate just like it affects most other financial transactions. Keep your credit in good standing. This will help lower the rates you receive from insurance companies.

Combine insurance policies for maximum discount

Combining your auto insurance and homeowner policies will help lower your monthly premium. Most insurance companies will offer better rates if you buy your auto, home, life and other insurance policies through them. Consult your insurance agent to see how much you could save by combining your policies.

In Katy, Fulshear, Brookshire, Sugar Land, Round Rock and Houston, Texas, your local insurance agency is the Katy Texas Insurance. Call 281.398.1010 or toll-free 1.877.952.1010 for help with your insurance needs. You can also complete this short form on this page for free consultation.