Houston is a huge city - it is the 4th largest city in the United States and the largest city in Texas. Driving here can be overwhelming, frustrating, confusing, and sometimes dangerous. With all of these drivers on the road, insurance is even more important.
Insurance helps protect you if you are involved in an accident. It
can help cover your financial responsibility if you cause an accident,
or it can help repair/replace your vehicle, pay for medical expenses, or
lessen the impact of loss wages from work if you are involved in an
accident. Without insurance, you could be stuck with bills in the
hundreds of thousands range. You will spend more time on the road and it
will take longer to get where you are going because Houston is such a
large place. You have more chances of getting into an accident the more
times you are on the road and the more drivers there are around you.
Before you purchase insurance, it is useful to search for auto insurance quotes in Houston, Texas.
Finding as many quotes as you can is a great way to get an idea of what
insurance will cost you and what types of discounts, coverage, and
benefits are available. Auto insurance companies are required to provide
you with the legal requirements as far as coverage goes, but sometimes
you will end up on a page that does not service your state. Knowing what
these legal requirements are is therefore a useful thing to know.
As a Texan driver, you are required to carry liability coverage.
Liability coverage is a type of insurance that will protect others on
the road if you are the one to cause an accident. Currently, you are
required to carry "30/60/25" as far as liability goes. This means that
for each injured individual, you have at least $30,000 in coverage, for
each accident, you are required to carry $60,000, and for property
damage, $25,000. It is important to keep in mind that these are simply
the minimum requirements. If you are involved in an accident that goes
above these limits, you will be required to pay the balance yourself.
This is why it is a good idea to get as much insurance as you can
afford, rather than simply sticking with the minimums.
This is the only type of coverage required by Texan law, but there
are other coverages available. Liability does nothing to protect you
from the bills associated with your own car repairs and medical
expenses, only the other car involved in the accident. If you would like
protection for yourself, you would need to purchase collision and/or
comprehensive insurance. Comprehensive and collision insurance protects
you from damages caused by collisions and other situations such as
theft, acts of nature, or road debris. When you are applying for auto insurance quotes in Houston, TX, you will be given the option to purchase these and other types of coverage on top of your liability coverage.
Driving in Texas can seem overwhelming, but if you carry the right
insurance, that is one less thing to worry about while on the road.