We are getting a new vehicle. What should we do in order to save on our car insurance? Thank you.

Maricel

Houston, TX

Contact first your current Houston Texas car insurance provider and ask if they are giving you discounts if you renew your car insurance policy with them. Normally, it is cheaper to just get a new car insurance policy than renew your current insurance coverage. However certain Houston Texas car insurance companies offer discounts to entice their policy holders to renew their policies with them.

If there are no discounts in the offing, then shop for a new Houston Texas car insurance company that can provide you with cheaper rates. You can ask the insurance company holding your life and health insurance policies and ask if they can give you discounts once you get a vehicle insurance from them.

Shop around the Internet and compare rates and features of Houston car insurance companies. There are plenty of websites offering car insurance rates and the best part about it is that you can compare car insurance company rates within minutes. Once you picked the company offering the cheapest rate, call them up and inquire about the requirements you have to pass as well as the terms and conditions of the vehicle insurance policy you are interested in buying.

The two features that are the main ones when it comes to figuring out how big a factor for better or for worse your vehicle type will have in your car insurance premium are

• age, and
• safety

Newer cars cost more to insure, and older cars have a lot of problems, so it is best to get a car that is not new, but is no more than a decade old for best results. You should also make sure that the vehicle that you purchase has up to date safety features, and has extra air bags installed.

Even if you can’t get the need to have SR 22 car insurance dropped, defensive driving classes can still get you better SR 22 car insurance rates. Most car insurance companies offer a rate discount for people who take driving classes, sometimes for as much as ten percent.

These types of classes are available everywhere. For seniors, they can be gotten cheaply from the AARP. There is a traveling defensive driving course geared towards teenagers that is led by a race car driver. Defensive driving courses are given at community colleges and high schools, and you can get a course on DVD from your local video rental shop.

How do I remove my Texas SR22 auto insurance filing from my record?

Emily

Glad you asked.

Texas SR22 auto insurance is something that you have to file with whatever car insurance company that you are with for the three or five, or however many years you ended up with, that you are required by the state to show proof of auto insurance for your car. If you fail to file it during that period of time, or your car insurance policy gets cancelled or it doesn’t get renewed, then until you can get your SR22 filing for car insurance back, your license will be suspended. This is a hassle, especially since in most cases you are required to pay a reinstatement fee. All in all, the removal of your SR22 car insurance should be taken seriously and should not be something that you do until the required time period has ended, or you decide that you will not be driving until it does.

Now, when you remove the SR22 form from your insurance policy, your car insurance company has to file another form, which is called the SR26. The SR26 gets filed whether your period is over or not, but if you want to continue having insurance with a company and also want to have an SR26 filed, then you have to show them some kind of proof that you are no longer required to have it. If the SR26 form is filed and you do still have to have Texas SR22 auto insurance, then your license gets suspended.

Cheers,

Fashun Guadarrama.