How to Lower Car Insurance in San Antonio

By the Mercury Team

Car insurance is a must-have, but that doesn’t mean you have to overpay for it, especially in a large city like San Antonio. If you’re wondering how to lower car insurance without sacrificing quality coverage, you’re in the right place. In this guide, we’ll walk you through practical tips to cut costs while striking the perfect balance of affordability and protection.

Why Auto Insurance Costs Vary in San Antonio

The average annual cost for auto insurance in San Antonio is 19% higher than the national average. Why? Aside from personal factors like your driving history, credit score, and the type of car you drive, there are some unique local factors at play, including:

Traffic and accidents

San Antonio is a big city with busy highways like I-35 and Loop 410. This means the risk of fender benders or more serious collisions is higher, which insurers account for when setting rates. According to the most recent data from the Texas Department of Transportation, San Antonio had the state’s second-highest number of accidents in 2023 (40,000+).

Weather

San Antonio is no stranger to hailstorms and other severe weather, which can cause serious damage to vehicles. Insurance companies see this as a higher risk for claims, especially since many drivers in the area may opt for comprehensive coverage to protect against hail damage. While that’s a smart move, it can also bump up your insurance costs.

Repair costs

Car repair costs in San Antonio have been climbing. Parts are more expensive—some have gone up by as much as 20%—and ongoing supply chain issues and worker strikes are causing delays. On top of that, there aren’t enough skilled auto technicians to meet the demand, which drives up labor costs. All of this means insurers are paying more for claims, which gets passed on to you through higher premiums.

Despite these challenges, there are practical steps you can take to combat these rising costs and find more affordable coverage.

1. Compare Rates and Discounts

Lowering your car insurance costs starts with shopping around and checking out all the discounts you might qualify for. Rates can vary widely between providers, even for the same level of coverage, so it’s worth taking the time to get multiple quotes. Start by comparing online tools, but don’t hesitate to reach out to local agents. They have insights into discounts or regional factors that online calculators might miss.

Explore Multi-Policy Discounts

Many companies, including Mercury, offer discounts when you bundle your auto and home insurance under the same provider. This approach simplifies your coverage, reduces your paperwork, and, most importantly, can result in significant savings.

But bundling isn’t the only discount you can take advantage of. Many insurers offer discounts for being a good student, paying your premium in full, and going green with paperless billing, among other benefits. It’s worth asking your insurance provider about all the discounts you may qualify for since they could add up to big savings.

2. Opt for Higher Deductibles

Choosing a higher deductible is one of the easiest ways to lower your car insurance bill. The deductible is the amount you pay before your insurance kicks in, and insurers often reward you with lower premiums if you agree to take on more of that initial cost.

For example, let’s say your current deductible is $500, and you’re paying $150 per month for insurance. By increasing your deductible to $1,000, your monthly premium could drop to $120, saving you $360 a year.

Before you go this route, make sure you’ve got enough savings to cover the higher deductible if something does happen. If you’re a careful driver and have a financial cushion, this can be a simple way to free up some extra cash each month while still staying protected.

3. Maintain a Clean Driving Record

Keeping your driving record spotless is one of the most effective ways to lower your car insurance rates. Insurance companies reward safe drivers because they’re less likely to file claims. That means avoiding tickets, accidents, and other violations can save you money over time.

If you’re looking to improve your habits or ensure you’re staying on track, there are plenty of tools to help. Apps like MercuryGO can monitor things like your speed, braking, and mileage. They provide feedback to help you become a safer driver, and some even offer discounts for participating.

4. Evaluate Your Coverage Needs

Whether it’s dropping unnecessary coverage or adding the right protections, fine-tuning your auto policy can go a long way.

Drop Unnecessary Coverage

If you’re driving an older vehicle that’s not worth much anymore, it might be time to rethink comprehensive or collision coverage. For example, if your car’s value is $2,000 but your deductible is $1,000, it may not make sense to keep paying for coverage that wouldn’t provide much of a payout after an accident. In these cases, sticking with liability coverage could save you money without sacrificing essential protection.

That said, it’s important to weigh the risks. If you rely heavily on your car and can’t afford to replace it out-of-pocket, keeping some level of coverage might still be worth considering.

Add Coverage Wisely

While it’s tempting to stick with your state’s minimum coverage requirements to save money, it’s not always the smartest move. Minimum coverage often leaves you vulnerable to out-of-pocket costs if an accident happens. For instance, if you’re at fault in a crash that exceeds your policy limits, you could be stuck paying the difference.

Instead, consider tailored coverage options that provide better protection without breaking the bank. Mercury Insurance, for example, offers customized plans that let you add only what you need, so you’re not paying for extras you don’t want.

5. Take Advantage of Local Expertise

When it comes to car insurance, working with someone who understands your situation and local challenges can make everything easier. That’s where a local agent in San Antonio comes into play. They understand what it’s like being a San Antonio driver, from navigating busy highways like I-35 to dealing with hail storms that seem to come out of nowhere. This means they can help you figure out exactly what coverage you need (and what you don’t).

Mercury’s team in San Antonio is here to help you every step of the way. Whether it’s bundling your policies, adjusting coverage for hail damage, or just answering your questions, they’re ready to craft a plan that works for you.

Conclusion

Saving on car insurance in the Alamo City doesn’t have to be complicated. Follow the steps above, and you’ll be well on your way to lowering your premiums while staying protected on the road.

Looking for cheap car insurance in San Antonio, Texas? Mercury provides best-in-class coverage at an affordable rate. Speak with an agent today and customize a policy tailored to your needs.

Contact us today for a fast, free quote!