Texas auto insurance rates have remained steady for most good drivers over the past few years.  However, young drivers in Texas remain a thorn in parents’ sides because of their likelihood of having major accidents.  Let’s face the facts; we all know that young drivers in Texas have a lot to deal with.  Whether they are driving a car in Dallas, a truck in Dallas, or a hybrid car in San Antonio; young drivers in Texas have extremely high rates on insurance.

In order to save as much money on your young driver, Txinsurancepro.com offers you these tips to help you save a little money on your Texas auto insurance policy.

1. Consider the type of car. We all want our young drivers to have safe cars, but we also don’t want to pay too much for the insurance.  Before you go out and buy that young driver a new car, make sure that you get a quote on the insurance costs.  Until young drivers get a little experience, you may save money on your insurance by purchasing them a car with liability only.
2. Education is Key. Before your young driver gets behind the wheel, educate him or her on the proper operation of a motor vehicle on Texas roads.  In fact if your young driver takes drivers education, he/she may even get a discount that could save you money on your auto insurance.
3. Good Grades = Better Rates. Make it a game.  Insurance companies reward their young scholars for maintaining a B average or better.  So, not only will those good grades get you into a good college, but good grades will also help your young driver save money on their insurance too.
4. Be Smart. Several companies have begun to offer discounts for education and monitoring programs.  Progressive insurance now has the MyRate program, Safeco now uses the Teensurance GPS locator program, and Liberty Mutual uses the TeenSmart education program.  Each program is distinctly different, but they all offer ways to lower the insurance for your little Texan.
5. Customize the Coverage. Always discuss ways to adjust the coverage for your teenage driver.  Simply getting a 2^nd policy or adjusting the comprehensive and collision on an older car can save you thousands each year.

When possible, combine all the discounts possible so that you don’t experience too much rate shock when a young drive is added to your Texas auto insurance policy.  A little homework and preparation can go a long way to saving you money on your car insurance in Texas.