Q: How do I get the cheapest insurance in Houston TX for a new car?

A: For a new car, you need to do a few things. I think your quickest step towards getting the cheapest insurance in Houston TX is going to be raising the deductibles on your comprehensive and collision coverage. Since you have a new car, you’re probably required to have these as the prices can be high, and you might not have the money to pay out thousands of dollars when you get into an accident. But a low deductible is not the answer. Many people have the lowest, but if you raise it to just $1000 or $1500 instead of that, you could save hundreds of dollars right away. Start putting aside some of the money you’re saving into a deductible fund. Most people only have to file a claim once every five years, so just drive safe and you probably won’t need it for awhile.

With a new car, you also need to understand that the cheapest insurance in Houston TX goes to the best car. You need to have all of the necessaries installed, such as safety features and anti-theft devices. These will save you money on the highest portions of your car insurance, which is collision and comprehensive coverage.