The Preliminary Things You Must Research to Get Cheap Auto Insurance in Houston, Texas
If you thought finding cheap auto insurance in Houston, TX was just a matter of picking up the phone book and calling a few well-know insurance companies, then you will be pleasantly surprised to find out in this article, that it requires knowledge, research, and comparison. The more you know about insurance rates and companies, the better your chances are of finding auto insurance in Houston to fit your needs.
Finding the best auto insurance in Houston, Texas is evidently a concern amongst many who own cars in this state. Just to give you a quick synopsis, let’s take a look at auto insurance minimum requirements. In the state of Texas, the requirement for car insurance is that the owner of the vehicle must carry liability coverage in the amounts of 20/40/15, which will translate to $20,000 coverage for bodily injury per person; $40,000 coverage for bodily injury in total per accident; $15,000 coverage for property damage in total per accident.
In reality, these limits are pretty low and if you’re ever found liable in a serious car accident, chances are you would not be financially protected and you could be sued for any of your personal assets to cover damages. Therefore it would make perfect sense to carry limits of at least 100/300/100.
Some insurers say that having a relatively new vehicle or one with a strong book value, is good enough reason to consider collision and comprehensive insurance coverage to help you repair or replace the vehicle if it is damaged in a crash. And if your vehicle is financed, your lender will usually require you to have this type of coverage anyway, so don’t you forget that for one minute. To find cheap auto insurance in Houston, TX, it is important to get a variety of quotes. You will want to carefully compare these prices for not only the best price, but also for the best coverage.
Many insurance companies offer low cost or will even throw in free extra coverage, to give you additional benefits that can be very nice if you need them. I wonder if you’ve realized that in the grand scheme of things it is very much advisable that before you make a decision about which company to go with, try running a quick research on the company. You should check one of the independent insurance rating companies to see how strong the insurer's financial stability is. Basically, a rating of "A" or better is what you are looking for.
It is also wise to check into the customer service history of the company. The Texas Department of Insurance will have important information on disciplinary action on insurers and complaints filed about them. This will help you determine how good their customer service really is. If you’re the kind of person that wants cheap auto insurance in Houston, TX, then the trick is to be wise and put education and Houston auto insurance quote comparisons on your side when you are looking for Texas car insurance.