--- title: Start the New Year Right With Home and Auto Insurance Savings description: TMA Insurance Trust as made it quick and easy to find out how much you can save on Auto and Home Insurance in this new year. image: https://www.tmait.org/hubfs/January%202022/January_2022_Auto_Insurance.png --- - [800-880-8181](tel:800-880-8181) - [CONTACT US](https://www.tmait.org/contact) - [SELF-SERVICE PORTAL](https://tmait.aebsys.com/#/) [![](https://www.tmait.org/hs-fs/hubfs/TMA%20Insurance%20March%202019/Image/logo.png?width=197&name=logo.png)](https://www.tmait.org/) Topics All Accident Insurance Accidental Death and Dismemberment Auto & Home Insurance Auto Insurance Business of Medicine Business Overhead Expense Insurance Comparing Insurance Providers COVID-19 FAQs Critical Illness Insurance Dental Insurance Disability Insurance Employed Physicians Family Featured Financial Advice Group Benefits Group Coverage Health Insurance Homeowners Insurance HSA Independent Contractor Independent Physician Individual Coverage Insurance For Good Insurance for Women Insurance Review Key Person Insurance Life Events Life Insurance Locum Tenens Medevac Insurance Medical Insurance Medical Practice Medicare Medicare Part D Medicare Supplement Medigap Nearing Retirement Office Overhead Expense Insurance Open Enrollment Personal Umbrella Insurance Pet Insurance Practice Management Practice Managers Practice Owners Prescription Drug Coverage Renters Insurance Residents Retired Physicians Retirement Short Term Disability Short-Term Medical Insurance Supplemental Hospital Indemnity Insurance Term Life Insurance Travel Insurance Vision Insurance Women Physicians Young Physicans Young Physicians ![](https://www.tmait.org/hubfs/January%202022/January_2022_Auto_Insurance.png) [Homeowners Insurance](https://www.tmait.org/blog/topic/homeowners-insurance) # Start the New Year Right With Home and Auto Insurance Savings 10 December 2022 For most of us, the holidays are a joyous, yet expensive time of year. By the time January begins, we’re ready for a fresh start, and welcome the idea of saving money instead of spending. For physicians in Texas, these savings could be easy! May we suggest getting a quote through TMA Insurance Trust on your home and auto insurance, and finding out how much you can save? ## Has Your Auto Insurance Rate Changed? There are many factors that may cause your insurance provider to change their rates. You probably are aware of some of these: being a safe driver, having a good credit score, and living in a safe neighborhood may help to lower your auto insurance premiums. But there are more factors that might affect the price you pay for your auto insurance. Some of these factors could be: - **Your age.** Auto insurance rates lower as people reach middle age, and increase after age 70. - **Your driving record and claims history.** Your auto insurance premium will likely be higher if you’ve had accidents or gotten tickets. - **Where you park your car.** Insurance rates may be higher if you live in a city; this is because, statistically, there are more accidents and auto theft in urban areas. - **The type of car you own.** If you own a luxury, high-performance, or sports car, your collision and comprehensive rates will be greater. - **Your auto usage.** Your premium may be higher if you drive your car to and from work, or use it for business. - **Your credit score.** Some companies view your credit score, then adjust your rate accordingly. Your home insurance premium may vary because of other factors, including: - **Your home’s age and condition.** Because older homes may be more likely to malfunction, insurance companies may charge more for premiums. - **The value of your home.** Houses with higher replacement costs naturally have higher premiums. - **Construction materials.** Premiums may be higher for houses built completely of wood. They’re lower for brick or stone houses. - **Your home’s location.** Premiums may be higher in areas that have more storms or crime. - **Availability of local fire protection.** Premiums may be lower for houses that are close to a fire station. - **Your claims history.** Your premiums may be higher if you’ve had claims in the past. Some of these changes could happen at any time, making the rate you would be quoted change on a monthly basis (or even daily!). Are you paying a higher rate than you should? [![Have questions about your insurance needs? We're here to help - click here or call today](https://no-cache.hubspot.com/cta/default/400074/c4f02e1a-fca9-4f97-8a1d-4cccb42c931a.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/c4f02e1a-fca9-4f97-8a1d-4cccb42c931a)[***877-755-9576***](tel:877-755-9576) ## Are You Passing By an Insurance Discount? There are other personal factors that may affect your home and auto insurance rates. Perhaps in the last few months you’ve experienced some of these personal circumstances which may allow you to pay less for your auto and home insurance. Consider the following questions: - Has your car lost some value due to depreciation, but your insurance rate has held steady or increased? - Are you receiving a homeowners discount if you live in a gated community or if you are part of a homeowners association? - Are you over age 55 and retired, while residing in and insuring your permanent residence? - Are you sure that you have received all discounts available to you (including your TMA member discount?) - Did you obtain your homeowners and auto insurance through the same carrier? - Could you save by switching carriers? The message is clear: there are many factors that could change what you are paying for your auto and homeowners insurance. But to realize savings, you must investigate and ask for a new quote. Isn’t it worth the small investment of time to find out if you could save on your premiums? ## New Year, New Potential Savings for You TMA Insurance Trust has made the shopping process easier than ever. With just a few minutes at MyLifeProtected, available through the TMA Insurance Trust website, you can compare your current premium to the best rates in your area and get a quote - without having to speak with an agent. If you do want personal assistance, you can contact an agent to develop a quote for you by calling [877-755-9576](tel:877-755-9576). Whatever your personal preference, TMA Insurance Trust has made it quick and easy to find out how much you can save in this new year. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/400074/63baf138-352a-403c-8667-1df85c271f3a.png)](https://cta-redirect.hubspot.com/cta/redirect/400074/63baf138-352a-403c-8667-1df85c271f3a) For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with special savings on a range of the highest-rated plans in the industry. ** [ Homeowners Insurance ](https://www.tmait.org/blog/topic/homeowners-insurance) [, Auto & Home Insurance ](https://www.tmait.org/blog/topic/auto-home-insurance) ** [Auto Insurance](https://www.tmait.org/blog/topic/auto-insurance) [**Previous Entries](https://www.tmait.org/blog/last-chance-to-control-costs-and-get-better-group-coverage-for-2023) [Next Entries**](https://www.tmait.org/blog/brighter-teeth-reduced-health-risks-lower-costs-dental-insurance-makes-sense) ## Recommended Posts ### [Resolve to Save More on Auto and Home Insurance](https://www.tmait.org/blog/resolve-to-save-more-on-auto-and-home-insurance) ### [Winterize Your Coverage: Review Your Auto and Home Insurance](https://www.tmait.org/blog/winterize-your-coverage-review-your-auto-and-home-insurance) ### [New Year, New Savings: Lower Your Auto & Home Insurance Costs](https://www.tmait.org/blog/new-year-new-savings-lower-your-auto-home-insurance-costs) ### [Navigating Storms: Secure Savings on Your Home and Auto Insurance](https://www.tmait.org/blog/navigating-storms-secure-savings-on-your-home-and-auto-insurance) ### [New Year, New Savings - 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