Cheap Car Insurance in Houston Texas

 

February 9 2009 by author in Auto Insurance |Comments Off

Reader’s Question:

I’ll be moving to a new state. Now, I live in Nevada, but I’ll be off to Texas in a few weeks. Please help me get cheap car insurance in Houston, where I’ll be working very soon.

Carrie

North Las Vegas, NV

I think you have first to get hold of information as to what Texas requires for car insurance coverage. Last time I checked, a 25/50/25 coverage is mandatory. That means your car insurance policy should be able to cover Bodily Injury Liability of about $ 25,000 per person and up to $ 50,000 per accident (in case you cause someone injury on the road), and finally Property Damage of about $ 25,000. It’s probably best to go shopping for cheap car insurance in Houston and find a reliable company whose services you find satisfactory. Just remember: cheap is good, but what good would that be if it takes you a lifetime to file a claim?

Another is you have to inform your car insurance company in Nevada of your plan. I had a friend once who just stopped paying his premiums because he figured it would be canceled sooner or later. What he failed to realize was that it would go on record. So, now it seems as though he was running away from his financial responsibilities. Bad payers are charged more for premium by other car insurance companies especially if this failure to pay has resulted in cancellation.

Besides, Carrie, car insurance companies are required by the state to submit an update of accounts every month. The state must be able to keep track of the upgrades in policies as well as terminations. If you take your car out of state or sell it and hence you intend to switch insurance policies, the state must be informed. The registration name of the vehicle as well as other details must match those in the car insurance policy.
One of the best ways to lower your annual premiums is to have a higher deductible amount.. Like a $1,000, is what I carry personally.

Now, if you are a claim free and safe driver like I am, you could be saving a ton of money each year on your premiums.  People fail to realize that the deductible amount is only paid when they file a claim and their insurance company pays that claim.

Ask for discounts, you never know what you might be able to get and how much you can save by asking.  Some popular discounts can be given for:

1. Military personnel

2. Good grade students

3. Union membership and bank member affiliations

4. Safe drivers with no claims in last 7 years

5. Defensive driving school attendance

6. Clean credit history – used by many carriers to determine payment risk

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