Reader’s Question:

I am a new driver and I need to get car insurance here in Houston Texas. How much am I required to buy? How can you save a lot on car insurance.

Holly

Houston Texas

 

First , let’s consider the mandatory minimum Auto Insurance coverage in Texas.

Texas state mandates $20,000 for one person bodily injury up to $40,000 for a resulting bodily injury acquired by two or more persons in one accident, and $15,000 for the sustained property damaged in the event of an accident.

Any amount incurred by the accident that is over what the entailed cost the insurer has to pay, will be taken responsibility by the insured. It is then advisable to look into the policy and its corresponding coverage.

1. Maintain a good driving record. Avoid getting into an accident and fewer claims because this can cause your car insurance rates to increase.

2. Credit scores are now being considered when determining your car insurance rates.

3. Ask for discounts. It is important that you know what available discounts you may be eligible of to help you get affordable car insurance in Texas.

4. If you have an older car, consider dropping you physical damage coverage of collision and comprehensive.

5. Choose a higher deductible that you can afford.

6. Shop for better car insurance quotes. While some insurance companies offer discounts for loyal customer, it is possible that you can save more if you switch to an insurer that offer a better deal than what you are currently paying.

 

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