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Use Statewide Statistics to Your Advantage Every city and/or state has its own statistics about the highways, types of vehicles, accidents, etc. The state of Texas is no exception. Insurers use these statistics to determine which drivers and vehicles are of high risk, as well as neighborhoods where more accidents, theft, etc. often occur. Fortunately, you as a consumer have easy access to these statistics as well and can use the information to leverage the cost of your car insurance. Consider this fact about San Antonio: 23.8 minutes is the average commute time to work for most San Antonio residents. If your travel time to work is below average or if you stay home most of the week, some providers will offer you a cheaper insurance rate. If you have a longer commute, this could cause your premium to be more. Another fact is the city of San Antonio reported about 6,724 auto thefts in 2007. Therefore, you should carefully consider where you park your car each night, preferably in a locked garage with alarm. Also, consider adding anti-theft devices that will deter theft day and night. If buying a new car, keep in mind that certain automobiles tend to be thief magnets. Insurance providers keep a list of such vehicles, and may charge more to insure high risk cars. A lessened risk of theft could mean cheaper car insurance rates for you! Other data that many consumers aren't aware of is information about how well automobiles are built to withstand certain types of crashes. Some vehicles fare better than others in test crashes, thus reducing the severity of injuries or risk of death. So it's likely that your insurance provider will offer a better rate if you purchase the automobile that is better equipped to handle impacts. Driver safety is a big issue with insurance companies. In San Antonio, there were 93 fatal crashes involving 238 people in 2007. Cars with safety features such as airbags, seatbelts and embedded cushioning have a greater appeal to insurance companies. Also, safe driver training can earn you a discount on your premium...even if you decide to complete the training later on after driving for years. It's a good idea to get your teenager involved in a driver safety course as well to prepare him for the road and enjoy a cheaper car insurance rate. Know the Laws in Texas In San Antonio, Texas local law enforcement has been given the ability to immediately verify whether or not an automobile is insured. This is the result of a program called TexasSure, which has been implemented by the State of Texas. This program is designed to crack down on fraudulent or false proof of insurance, as well as to catch those in the act who simply try to get by without car insurance. The minimum legal requirement in Texas is $25,000 for bodily injury liability


coverage per injured person and $50,000 total per accident. The minimum liability for property damage is $25,000. These are to increase to 30/60/25 in 2011. If you live in San Antonio and drive a vehicle, you must purchase at least the minimum liability amount required by the State of Texas. Most car owners purchase more coverage than the minimum to be on the safe side, but this can depend on the value of your vehicle and whether or not you still owe money to a lender. Equipped with these facts about auto insurance in San Antonio, TX you can now use online auto insurance rate comparisons to do further research on the different providers in your area. Look for stable companies that offer the best rate for the coverage you need. Taking time to research and compare now will save you hundreds per year in the future!

Find Low Cost Insurance Today! Compare Quotes on Car Insurance and Save over 500.00 a Year!

Article Source: http://EzineArticles.com/?expert=JC_Denton

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Unique Solutions For Cheaper Car Insurance in San Antonio, Texas  

Every city and/or state has its own statistics about the highways, types of vehicles, accidents, etc. The state of Texas is no exception. In...