Houston auto insurance is more expensive than insurance in most cities. That is because of heavy traffic and a high theft rate. Here are some things you can do to keep your rate as low as possible:

* Keep your driving record clean. If you get a ticket you may be able to get it dismissed by taking defensive driving or hiring an attorney.
* You will usually have a lower rate if you get your auto policy from the same company as your homeowners or renters policy.
* Select a vehicle that is rated low for insurance. Car dealers can provide a guide for insurance ratings. Moderately priced 4 door sedans typically have good rates.
* A defensive driving course will lower your rate.
* Maintain continuous insurance. Most companies give a big discount for this.
* Make sure you are rated with every other possible discount. Ask your agent to run through the list of discounts so you don’t miss any. This could include a vehicle alarm, multiple cars on a policy, EFT payment option, safe driver, and more.
* If you have an older car consider only getting liability coverage.
* Consider a higher deductible on your collision coverage if you could afford the loss in the event of a claim.
* Shop several companies at renewal time to be sure your rate is good.