Looking for Houston car insurance? For anyone in the city of Houston who owns a car, insurance is non-negotiable. Houston, the 4th biggest city in the country and the largest city in Texas is a busy city with busy road ways. Your risk of being involved in an accident is just too high. The sheer volume of cars on the roads contribute greatly to big cities having higher car insurance rates and higher accident rates than rural areas.

The Importance of Uninsured Motorist Coverage for Houston Car Insurance

In the state of Texas, the law requires drivers to prove that they can pay for the costs of any motor vehicle accident that they cause. For most people this means they carry liability coverage in at least the state required minimum amounts which are: $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 for property damage per accident. Despite this law, as many as one-third of Houston drivers have no car insurance coverage at all.

Uninsured motorist coverage will protect you and pay for your expenses if you happen to be involved in a car accident with one of these drivers. If you don’t have this coverage your expenses will come out of your own pocket. Presently, there is no law stating that you must have this type of coverage. However, insurance agents must offer it to you and you have to reject it in writing if you choose to not carry it. With the increased chance of accidents due to living in a big city, and the high rate of uninsured drivers, you are at a real risk of being the victim of an accident where an uninsured motorist is responsible. Good luck getting someone without insurance to pay for your expenses!

Houston Car Insurance and Students

The city of Houston has around 360,000 students from the more than 60 colleges and universities who live there during the academic school year. What this means is that there are more inexperienced drivers on the streets there than in many other cities. Having good car insurance for your student is essential.

Everyone knows that insurance prices are higher for young people and especially for guys. However, there are ways to keep that bill as low as possible. Look into taking these actions to reduce the cost of insuring a student driver:

Make sure your student takes a driver education course approved by the Texas Department of Public Safety, because insurers give discounts for such efforts.

Add your student to your own auto insurance policy rather than taking out a new one.

Encourage your student to get good grades, because this typically means lower car insurance premiums.

When choosing the type of car to provide for your student (or allow your student to buy) check the cost of insuring it. Insurance rates can vary greatly depending on the kind of car you are have covered.

Emphasize the importance of a clean driving record as it will majorly impact the cost of insurance.

Ask the insurer if you have all the possible discounts you can get. Your student may be a part of a group that allows him or her to get an extra discount on the policy.

Houston Auto Insurance and Speed

The city of Houston boasts a freeway system which is made up of more than 739 miles in the metropolitan area. With freeways and expressways comes relief from traffic on smaller streets, but also it means that traffic moves at higher speeds. Thus car accidents which occur on the freeway system tend to be more serious and more lives are lost. These increased probabilities should impact your car insurance decisions.

Because of the increased likelihood of death and serious injury, if you use the Houston freeway system on a regular basis you should carry car insurance in higher limits. This provides protection for you and others in case you are at fault. Carrying uninsured motorist coverage, discussed above, in higher limits will protect you in case someone else is at fault.

The other impact of speed on your Houston car insurance depends on the speed you drive. If you tend to have a heavy foot and you get stopped by the police then your ticket will go on your driving record and you will pay higher rates next time you go to buy car insurance.

Houston Car Insurance Quotes

There are a multitude of insurance companies offering auto coverage in the city of Houston. There is simply no good excuse for anyone to be uninsured. If you are looking to get a new auto policy, a good place to start is by comparing insurance quotes online using a free online quote tool, like the one above. It will provide you with a variety of quotes from different companies based on the same information, making it easy for you to find the best Houston car insurance policy to meet your needs. Get started comparing Houston auto insurance quotes online today!