Texas auto insurance companies have begun to offer more policy options for their customers.  Recently, Texas auto insurance companies only offered 6 month policies for their standard and preferred customers.  This is now changing for many Texas Insurance companies.

Now, many Texas Insurance companies including, Travelers, Safeco, Liberty Mutual, The Hartford and Kemper- a Unitrin Business; now offer their customers a choice of policy periods.  Along with offering a choice between 6 month and 12 month policies, companies like Kemper now offer a discount for choosing the 12 month policy over the 6 month policy.

Since Texas car insurance rates remain volatile due to increased accidents in places like Dallas, Houston, and San Antonio; having a one year policy shields customers from mid-year rate changes.  Therefore, by having a 1 year policy, customers experience fewer rate changes.  As a result, you can budget the same rates for at least 12 months.  Now, even if a person has a car accident, his rates will not change until the next year.

On top of offering 12 month policies, companies like Safeco even offer discounts for paying their insurance in full for the entire year.  As a consumer, when you’re looking for online quotes for your car insurance make sure you ask if the company has discounts for 1 year policies, and discounts for paying in full.  Those 2 questions could save you hundreds on your car insurance each year.