Houston is one of the most populous cities in the United States. The city’s infrastructure supports millions of drivers on a daily basis. Having the right types and amounts of auto insurance is crucial for Houston drivers.
Auto insurance rates in densely populated areas like Houston may seem high, but when you choose Auto Insurance Discounters for your auto coverage, you’ll get the most value for your insurance dollar.
Why Choose Us?
In Texas, all residents must carry a minimum amount of auto insurance. However, for most drivers, that amount isn’t enough to provide adequate financial protection. Finding a policy that provides the coverage you need without paying a disproportional price can seem intimidating.
With help from Auto Insurance Discounters, you can eliminate the risk of paying too much for essential auto insurance policies. Our expert agents help you understand, compare and purchase auto insurance that fits with your lifestyle, budget and coverage needs.
Common Houston Car Insurance Questions
What Type of Car Insurance Do I Need in Houston?
Texas imposes mandatory minimum liability insurance amounts that each driver must carry. However, there are several additional policies that can help protect you financially.
Auto insurance provides support if you have an accident or other damage that involves your vehicle. Here are some of your auto insurance policy options:
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Liability coverage. Texas holds the driver who causes an accident financially responsible for any losses suffered by third parties, including other drivers and their passengers as well as pedestrians and property owners. The driver’s liability insurance pays for financial losses incurred by these third parties, up to the policy’s limit. Drivers may be held personally financially responsible for damages that exceed their policy’s limits.
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Collision coverage. This policy pays to repair or replace your car after a covered incident, which could include a collision with a stationary object or a wreck.
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Comprehensive coverage. This policy may cover repair or replacement costs if your car is damaged by various hazards, including theft, fire, vandalism, falling objects or hail.
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Uninsured/underinsured motorist coverage. If you are in an accident with an uninsured or underinsured driver and they are at fault, they may not have the ability to financially reimburse you for the costs of repairing or replacing your vehicle. Uninsured and underinsured motorist coverage may pick up the costs in this situation.
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Medical payments/personal injury protection (PIP). This coverage pays medical expenses and related costs for you and your passengers after an accident-related injury, no matter which driver is at fault.
How Much Does Car Insurance in Houston Cost?
Auto insurance costs vary from one driver to the next, but rates for Houston residents may be higher than in other parts of the country. But drivers with a history of consistent insurance coverage and a clean driving record may qualify for the greatest savings.
Our agents can help you adjust your coverage so you get the policies you need and the benefits you want while satisfying any requirements from your lender or leasing company. They can suggest ways to help save money on your auto insurance premiums, including raising your deductible.
Is Auto Insurance Required in Houston?
The state of Texas requires residents who drive to carry auto liability insurance. Auto Insurance Discounters will work with you to ensure that your policy complies with the state’s minimum mandatory liability coverage.
If you finance your vehicle or have a lease, you may be required to carry “full coverage” insurance, which typically includes comprehensive, collision and gap insurance.
If you choose to carry only the minimum required amount of liability coverage, your insurance may be less expensive than if you have more coverage. However, if you are in an accident and the damage to someone else’s property exceeds your policy’s limit, you could be responsible for paying the difference on your own.
For this reason, we typically recommend that you purchase more than the minimum amount of required liability insurance. A more robust policy pays for a more significant portion of your losses if you are in an accident or your vehicle is damaged.
How Often Do Car Insurance Rates Go Up in Houston?
Certain auto insurance companies raise rates each time a driver renews their policy. Others raise rates when a driver is issued a moving violation or is involved in an accident. Drivers without serious infractions on their records and who aren’t involved in accidents may see their rates decrease over time.
If you are experiencing price increases with your current auto insurance company, Auto Insurance Discounters may be able to help you find ways to save on coverage. We provide comprehensive policy reviews to help you understand your current coverage and ensure you are getting the most out of your policy.
Get the Auto Insurance You Need Today
Whether you live in Houston or the surrounding area, you need auto insurance that provides adequate financial protection. Driving in busy metropolitan areas presents a higher statistical risk of being in an accident, but with the right coverage, you can rest assured that your auto insurance will be there for you when you need it most.
Call us today at 866-288-6545 or fill out an online quote form to get started today.