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Car Insurance in Houston
Author David Schneider | Aug 28,2007
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It's simple to get a good deal on car insurance in Houston through a little online browsing. Insurance comparison Web sites can provide you with the level of coverage you need, and a manageable amount of quotes to choose from. Before you start searching for car insurance in Houston online, protect yourself by getting to know some insurance laws unique to Texas.
Car Insurance in Houston and Meeting State Requirements
Car insurance in Houston is subject to the state of Texas insurance standard. In order to legally drive, the Department of Motor Vehicles (DMV) requires residents to obtain car insurance in Houston that meets a minimum liability requirement expressed as 20/40/15. The figure represents $20,000 for an accident resulting in bodily injury to one person, $40,000 for more than one person and $15,000 for property damage.
The penalty for driving without car insurance in Houston can be up to $350 for the first offense. It only gets worse from there. Further violations can be surcharged and result in suspension of your license. Don't think you'll get off any easier if your vehicle is registered from another state. You're still required to meet Texas liability insurance standards. Even if your vehicle doesn't work, it still has to be insured.
Protect Yourself With Car Insurance in Houston
Satisfying the state minimum car insurance in Houston does not mean that you will be fully covered in an accident. It may be necessary to purchase more car insurance in Houston to ensure financial protection. If you took out a loan to purchase your vehicle, the lending institution will likely require that you additionally purchase collision and comprehensive insurance.
If you're considered a high-risk driver, there's still a way to get car insurance in Houston. The Texas Automobile Insurance Plan Association (TAIPA) has a program for drivers rejected by insurance companies from at least two agencies. More information can be found at the TAIPA Web site, or at the Texas Department of Insurance.
Finding the Best Car Insurance in Houston
Once you've found a good deal on car insurance in Houston, make sure to double check with the comparison Web site regarding the financial strength of the company. The Texas Department can be another good resource for verifying an agency's license. You can also find out about the company's history of filed insurance complaints. |
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