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Discounts and Surcharges

Discounts can help you save money on your premium. Discounts vary by company. Following is a list of some of the discounts commonly available in Texas:

  • defensive driving courses
  • driver education courses for young drivers
  • students with good grades
  • parent or family whose young driver is away at school without a car
  • airbags and automatic seatbelts
  • automatic daytime running lights
  •  antilock brakes
  • two or more cars on a policy
  • driver age and annual mileage driven
  • policy renewal with good claims and driving records
  • antitheft devices
  • a concurrent homeowners policy.
  • Discounts and Surcharges

If you have a poor driving record, you can expect to pay more for your insurance. Companies may add surcharges to your premium – some as high as 60 percent – for the following:

  • accidents (the more accidents, the higher the surcharge)
  • moving violations (speeding, etc.)
  • involuntary manslaughter
  • driving under the influence
  • criminally negligent driving
  • driving without a license or with a suspended license.
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