You may have trouble finding cheap car insurance with an SR-22 in Texas. Insurance costs are always higher with an SR-22, but here’s how to keep them as low as you can.
Get Minimum Motor Vehicle Liability Insurance
Liability coverage with the minimum limits required, detailed below, will cost the least amount of money with any car insurance company.
Raise Your Deductible
If you still have collision/comprehensive coverage, raise your deductible to lower your premium.
Lower Your Limits
Lower limits mean a lower premium (but also less financial protection if you have a claim).
Some car insurance coverages are nice but not necessary, like roadside assistance, rental car reimbursement, and new-car replacement coverage.
Take a Driver Training Class
If you have a teen driver in your household, you can help them improve their driving skills (and possibly unlock an insurance discount) by taking a parent-taught driver education course. You’ll learn how to help your child get a license and drive safely. Courses occur both online and in your car. Find a course in either English or Spanish here: https://www.tdlr.texas.gov/dessearch.
Pay Per Mile
If you drive less than 7,500 per year on average, pay-per-mile insurance could save you money. Many companies offer test drives so you can compare rates to regular auto insurance policies.