Texas Car Insurance – Reducing Insurance Cost by Installing Devices

You can’t reduce your Texas car insurance cost by merely driving safely and taking shorter trips or driving your car less often to reduce your mileage. This takes some time as you need to prove it to the company first. With today’s trend that quickly gets closer, a lot of insurance providers in Texas will greatly slash your insurance premiums when you are willing to install innovations in your vehicle, so you can prove you’re a low-risk driver and to know how much you drive every month. While a lot of drivers in Texas are taking advantage on opportunities to have some savings, there are some willing to do everything to prove they are safe drivers.

If you are working at home on other days or take public transport for work, it can help a lot to save money both on gas and on car insurance. Safe driver usually depends on the age and experience of the driver that is covered by the insurance policy. Teen drivers are on top of the list that must consider proving they’re safe and responsible drivers since they automatically face pricey rate due to their perceived “high-risk status”.

Below are a few of programs you can apply to cut back your Texas auto insurance:

DriveWise Program of Allstate

Allstate’s DriveWise program involves installation of a device that will record how many times you exceeded 80mph, aggressive acceleration, sudden braking and more. Your premiums could greatly affect by this program.

Snapshot Program of Progressive

In this program, you need to plug in the device on the vehicle’s diagnostic port, under the steering wheel and the dash. The data will be sent by the gadget for 30 days and right after, Progressive will inform you on the number of  miles driven, your driving habits etc and you’ll also know if you are eligible for their discount or not.

Low-mileage Discount Plan of GMAC

In this car insurance plan, they can check the car’s technical problems remotely and send how many miles driven by the subscribers. You can qualify for the discount if you drive less than 15,000 miles per year, but there will be no penalty if you go beyond it. This service could also contact 911 in the event of accident or emergency.