Low Cost Auto Insurance in Houston

Houston, Texas, is a vibrant and eclectic city, and a great place to live. Unfortunately, tremendous traffic and congestion have also made this city’s car insurance rates rise in recent years. However, if you are looking for low-cost car insurance in Houston, there are several ways you can find a policy that will be affordable for you.

Houston is one of the largest cities in the United States, and home to more Fortune 500 companies than any city except New York. Because of the tremendous influx of industry and people to this city, Houston has the highest insurance rates in the state of Texas.

The good news is that Texas insurance rates overall are well below the national average, especially in major cities. A Houston resident can expect to pay an average of $1750 per year, which is $300 per year more than the rest of the residents of the state.

Of course, this average price has nothing to do with your individual rates, which are determined by a variety of factors.
People who get the best rates will typically fall into one of several categories. First, those who use multiple-car discounts to ensure more than one vehicle will enjoy lower average costs than those with a single vehicle. Those with good driving records, meaning no tickets or accidents, will have lower costs. Finally, those who live outside the metro area and drive limited distances will pay less than those who live and work downtown.

Your car also affects your rates. As you are shopping for a car, consider that sedans cost less to ensure than sports cars, larger cars cost more than smaller vehicles, and older cars are cheaper to insure than new cars. You can get a quote on your proposed purchase to compare the rates.

Shopping for affordable insurance involves several steps. First, determine how much insurance you actually need. Texas requires basic policy limits of $30,000 per person and $25,000 for property damage, effective January 1, 2011. You probably need to set your limits higher than the minimum, in order to fully protect yourself in the event of a lawsuit. You should also determine if you need only basic coverage or if you should take out a comprehensive policy. Comprehensive insurance covers you if your car is stolen, vandalized, or damaged in an event other than an accident. Older cars which will cost little to replace probably do not need comprehensive coverage, but you can always find a quote and determine if the cost is worth the extra coverage.

Once you know what coverage you need, it is time to shop for rates. Remember that price is not the only determining factor in choosing a policy; you also want to buy from a reliable company with good customer service. The cheapest insurance is not always the best value. Read reviews about the company and see what their customers say about their experiences in filing claims.

Finally, talk to the agencies from which you wish to purchase, either by phone or by visiting their offices. It is possible to do business completely online, but most people like to have some face-to-face contact when they have questions.

TexasSure is a new program which requires insurance companies to report the status of your insurance coverage, so that law enforcement officials have this information immediately in case of an accident or traffic stop. It is very important to make sure that your car is covered at all times, as the fines for failure to have insurance are expensive.

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