Finding the best auto insurance in Houston, Texas is a concern for most anyone in Houston with a car. It is no longer a matter of picking up the phone book and calling a well-known insurance company. Finding the best Houston auto insurance requires knowledge, research, and comparison. The more you know about insurance, rates and companies, the better your chances are of finding the best Houston car insurance to fit your needs.
Determine Houston Minimum Car Insurance Coverage 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. This translates to:
$ 20,000 coverage for bodily injury per person
$ 40,000 coverage for bodily injury in total accident
$ 15,000 coverage for property damage in total accident
These limits are very low and if you are foundiable in a serious car accident, chances are you will not be financially protected and you could have sued for any assets you have. Therefore it makes sense to carry limits of at least 100/300/100.
If you have a reliably new vehicle or one with a strong book value, you should definitely consider collision and comprehensive insurance coverage to help you repair or replace the vehicle if it is damaged by one of the covered perils. If your vehicle is advanced, your lender will usually require you to have this type of coverage.
Shop Around For Houston Auto Insurance Quotes
In order to find the best auto insurance, it is important to get a variety of quotes. You will want to carefully compare them for not only the best price, but also for the best coverage. Many companies offer low cost or even free extra coverage, which may give you additional benefits that can be very nice if you need them.
Compare Houston Auto Insurance Companies
Before you make your decision about which company to go with, it is important to research the company. You should check one of the independent insurance rating companies to see how strong the insurer's financial stability is. 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. If you check with the Texas Department of Insurance, you will be able to get information on diplomatic action on insurers and complaints filed about them. This will help you determine how good their customer service really is.
Be wise and put education and Houston auto insurance quote comparisons on your side when you are looking for . These are the tricks to finding the best auto insurance in Houston, TX and through the nation.