Mercury Insurance Offers Advice for Texans Looking to Lower Their Auto Insurance Rates

Several Ways to Save in the Lone Star State

LOS ANGELES, Sept. 16, 2025 /PRNewswire/ -- It is no secret that the price of auto insurance in Texas has gone up over the past several years, along with everything else. Mercury Insurance (NYSE: MCY) has some advice for customers to keep auto insurance premiums down and to obtain savings on their household budget.

Some of the factors affecting insurance rates include an increased frequency and severity of weather events such as flood and hail. Rising repair costs, inflation and population growth also contribute to higher costs. 

"Mercury Insurance is here to offer advice to our customers at any time," said Tish Faulkner, Regional Vice President of Sales for Mercury Insurance. "We realize that households are trying to save wherever possible and we want to provide some timely tips."

Here are some ways Texas drivers can lower their insurance premiums:

Obtain Multiple Quotes: It is important to remember that insurance rates can vary considerably from insurer to insurer. Taking time to shop around can save you money in the long run.

Bundle Your Insurance Policies: Most insurance companies offer discounts for having multiple policies such as home, auto and umbrella.

Increase Your Deductible: For most drivers, raising the deductible on your policy will result in a lower premium.

Check Your Coverage: It is recommended that drivers review their policy and coverages at least once a year. As your vehicle ages or its value decreases, it might make sense to drop coverages such as collision or comprehensive.

Safe Driving Record: It is important to remember that tickets or accidents on your record often result in higher insurance premiums. Drivers with clean records pay lower rates.

Pay In Full Discount: Paying your auto insurance premium in full rather than in monthly installments can result in a lower premium.

"We strongly recommend having regular discussions with your Texas-based insurance agent," advised Faulkner. "Building a rapport with an expert can ensure you are carrying enough coverage and save you money."

About Mercury Insurance 

Headquartered in Los Angeles, Mercury Insurance (NYSE: MCY) is a multiple-line insurance carrier offering personal auto, homeowners, and renters insurance directly to consumers and through a network of independent agents in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury also writes business owners, business auto, landlord, commercial multi-peril and mechanical protection insurance in various states. 

Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200 employees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit www.MercuryInsurance.com or follow the company on X, Instagram or Facebook. 

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SOURCE Mercury Insurance