When you want to save money on auto insurance in Texas, one of the best things you can do is consider parking your car in the garage. Many insurance companies will ask if your vehicle is "garage kept" at your address. If it is, you can save money because your car is less likely to be damaged, stolen, or vandalized if it’s kept in the garage. Being parked on the street or even just in a driveway can be more risky. Your insurance will generally not be significantly different if your vehicle is in the garage, but there will be enough of a difference to be noticeable on your insurance premiums. If you find an insurance company that doesn’t ask whether you’re parking your car in the garage, you may want to look for other companies that give a discount for that.
One of the best ways to get information from several insurance companies at once is to work with an agent who represents multiple companies, instead of just working with an agent from only one company. Independent agents often provide more information for people who are looking for policies, and that can help insurance shoppers get their questions answered. If you have questions that aren’t covered by your agent, be sure to ask. Get answers that you need and want, so you can make an informed decision about your vehicle and your insurance coverage. Whether you park your car in the garage or not should not be so significant on your premium as to cause you to switch companies, but it is something to consider. If you’re buying a house, you may also want to look for one with a garage so you can get the "garage kept" discount.