Gadgets that Can Lower Your Texas Auto Insurance Rates

Have you already tried the standard ways of lowering your Texas auto insurance rates like choosing a high deductible and insuring all your vehicles and your home with the same company? Do you still need to trim more money off the cost of your Texas auto insurance? Here are 5 tools and gadgets that can lower your Texas auto insurance rates.

1. Anti-theft system: The car alarm, ignored by most people on the street when it goes off but very important to insurance companies. You can score an automatic discount when you have an anti-theft system installed in your car. If your car doesn’t come with a factory installed anti-theft system it’s worth the cost of putting one in because you can get great savings on your Texas auto insurance if you have one.


2. GPS tracking device: LoJack, or any GPS tracking device like it can save you a bundle on your car insurance. Because cars that are stolen but have a GPS tracking device have a very high recovery rate Texas auto insurance companies will reward you with substantial discounts for installing one in your vehicle.


3. Triple A or car club memberships: These aren’t really gadgets but you can still save a lot of money by enrolling in AAA or another car club that you can call on if you need roadside assistance or if something happens to your car. Installing a system like OnStar or buying a car that a digital system like OnStar can also get you great discounts on auto insurance.


4. Safety gear: If your car has anti-lock brakes, automatic seat belts, air bags and other optional safety equipment you could end up with big discounts on your Texas auto insurance so when you’re buying a new car always get the optional safety equipment. It might cost you more at the time but in the end you’ll make up for that cost with savings on the cost of your insurance.


5. Cut off switches: When you’re buying a new car always get a car that has automatic cut off of the ignition or the fuel when the car is hotwired or other suspicious activity is taking place. Texas auto insurance companies will usually give discounts to drivers who have these gadgets on their vehicles, especially if the vehicle is in the high theft risk category, because these gadgets significantly cut down the chances of someone stealing your car.

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• Gadgets that Can Lower Your Texas Auto Insurance Rates - Jul 14, 2008 - 2:08:33 AM