Houston Automobile Insurance

Houston automobile insurance is required on all automobiles in Houston. The state of Texas requires that motorists have $25,000 in bodily injury coverage and $50,000 bodily injury if more than one person is hurt in an accident. Property damage is a required minimum of $25,000. [1] This can be purchased via liability, which means you, the policyholder, are protecting yourself financially if you are responsible for an automobile accident.

It is also important to note that your Houston auto insurance company will report to the state that you do have insurance. This is in an effort to ensure that individuals who receive their ID cards from their Houston insurance companies do not drop their coverage right after they receive the card. This is a common fraudulent practice and Texas is now making it difficult for this to occur.

So if you are requested by a law enforcement officer to produce proof that you have legitimate Houston auto insurance are unable to do that, there are penalties to be had. A first offense can net a fine of $175 to $350. More than one offense can result impoundment of your car for 180 days and a fine of up to $1,000. The most severe of consequences, however, is when you cause an accident and cannot cover it financially with Texas auto insurance. You could lose your assets in order to satisfy damages in an automobile accident. [2]

Insuring Teenage Drivers

If you have a teen driver in your home, you need Houston car insurance in order to drive. The law in Texas requires that a person be able to pay the cost if they cause an automobile accident. Teenager drivers are of concern because they are considered high risk. They are considered high risk because of their amount of inexperience behind the wheel of an automobile. Plus, statistics have shown that teenagers are at a higher risk. Although some teenagers never see an accident, it is standard procedure for Houston automobile insurance rates to be higher.

It is very important to have Houston vehicle insurance on a teenager because a teen's automobile accident falls back on the parents. Adequate automobile insurance in Houston is also important or excess liabilities are the responsibility of the parents.

When parents are concerned about their premiums being significantly increased by their teenage driver, there are ways to lower the premiums. First, it is not out of the question to ask about discounts because there may be some available. Driving a safer automobile can also lower the cost. This is why it can pay for parents to buy their teens used cars with higher safety ratings. A used car without a loan can have liability on it, but most car loan companies require a full coverage Houston automobile insurance policy on the car. This is to protect their own interests in the case of an automobile accident.

If a teenager is bought a brand new car, then the result can be a higher Houston automobile insurance premium. First of all, full coverage is required on the automobile. This includes collision, which has a deductible, and comprehensive that does not have a deductible and covers acts of nature, theft, collisions with animals, and other events that don't involve colliding with another automobile. If you wish to save money on full coverage insurance, the best way to do that is to opt for a higher deductible as long as you can afford that higher deductible if you would have to pay it.

First Policy after College

If you're fresh out of college, purchasing a new car or taking over the car you have been driving, it's time for you to have your first Houston car insurance policy. Up to the point of graduation, a college student is usually insured on their parent's policy. If under the age of 25, that first insurance policy in Houston is going to be higher due to risk. Once the age of 25 is reached a good driving record means a lower premium.

If you are a college student who has just gotten out of college, it is important that you know that you should have enough coverage. The minimums required by TX may not be enough and you could lose what little bit of assets you have to satisfy the remainder of the debt. This is not something you want to have to do when you are trying to establish yourself.

To find the best rate on Houston auto insurance, obtaining quotes is the best way to find the ideal policy. Being a first time shopper on your own, you want to make sure you choose the right policy the first time. Take into consideration that Houston, TX is a very busy city and you never know when the conditions will be right for an automobile accident to happen.

[1] http://www.tdi.state.tx.us/auto/frvp.html 06/09/2010
[2] http://www.tdi.state.tx.us/auto/youngfaqauto.html#4 06/09/2010


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