Many factors go into calculating your car insurance rates on the location of the driver is normally used to start the process. Zip codes are judged to have different levels of risk depending on the number and degree of severity of the car insurance claims within the area. Car insurance companies to establish the base rate used as a starting point for drivers who buy coverage, and then add other pricing factors such as the driver’s age, driving record and car type. Let’s see why policy saves you money!
To see how other Houston car insurance rates compare, use our tool below average rates. Enter your zip code and it will show the average speed, as well as the highest and the lowest, for your location.
Policy saves you money – Best Car Insurance in Houston
Best car insurance coverage, as a rule, is not the cheapest. You can sue if you are in an accident and your insurance will not cover all losses. This means that your home or savings could be in jeopardy. In order to protect your assets, you have to buy liability insurance in the following amounts:
- $ 100,000 to pay for the medical bills of others.
- $ 300,000 to pay for other injuries in an accident you cause.
- $ 100,000 to pay for the damage caused to other people’s property.
You should also consider buying these additional coatings:
- Comprehensive, which replaces the stolen cars and car covers damage from flood, fire, hail, vandalism.
- The collision, which pays for damage to your car accident.
Driving in Houston
Traffic in Houston: The city and nearby areas came in fourth for the worst traffic in the country in a recent report by USA Today, which noted that drivers spend about 58 hours a year stuck in traffic.
Car accidents: Major accidents have resulted in an average of 180 deaths per year in the last year (2012-2014).
Commuting: The average commute in Houston lasts 27 minutes.
Public transport: US Bureau of the Census says that most drivers in Houston who commute to work by public transport white (about 16 percent), Latinos (about 41 percent) and black (about 37 percent). The Bureau noted that commuting is the main reason people are turning to public transportation.
High occupancy vehicle rules: HOV lane, also known as carpool or diamond band is designed to reduce traffic congestion and facilitate the exchange of driving on motorways. In Texas, only vehicles with at least two people, mass transit vehicles such as buses and motorcycles can use the lanes. The use may be restricted during certain hours.
Smog rules: Texas requires residents of Houston vehicles from two to 24 years, to have emissions testing every year as part of the registration process. New residents of Houston must have a test vehicle within 30 days after moving to the city to register it.
Now you know all the arguments on topic – why policy saves you money.
Poor crossing: Meeting in Genoa Red Bluff Road and Beltway 8 has consistently been named one of the worst intersections in the Houston area.
See the video—>How to save money on car insurance – do you know all of these tips?: