Options in Car Insurance in Houston TX
The law requires you to have financial responsibility for any accident or injuries that you may cause while you are driving. The easiest way to fulfill that requirement by purchasing car insurance in Houston, TX. The amount you pay for car insurance will depend on a variety of factors, including your driving record, your credit history, some demographic information and the insurance company you choose.
You will need at least a liability policy but many people choose to add more coverage. Liability insurance covers damage that you cause to someone else’s property. Depending on the coverage limits you choose, you may have to pay additional repair costs. Minimum liability coverage typically is enough to cover minor accidents. It will not, however, cover the costs to repair your own vehicle.
Full coverage car insurance in Houston, TX covers the cost of repairs to damages you cause as well as the costs to repair your car. If you choose this kind of policy, you may also have coverage for a rental car while your vehicle is being repaired. Drivers with full coverage may be able to have their car replaced if it is damaged beyond repair.
Another option is comprehensive coverage. This kind of car insurance in Houston, TX covers incidents that are not related to car accidents. When you purchase comprehensive car insurance, you may get coverage for theft, windshield damage and fallen objects. This is one of the most expensive policies but it is a good choice for drivers who don’t want to have to pay for unexpected repairs out of their pocket.
Insurance companies also offer policies for high-risk drivers, such as those who have been in numerous accidents, have been convicted of DWI or have been caught driving without insurance. Rates are typically higher for these policies so comparison shopping or working with an insurance broker is a good idea if you need an SR-22. If you don’t own your own vehicle, you can get a nonowner policy that provides coverage for you if you drive a friend or family member’s car. Motorcycle, ATV and RV insurance policies are also available in Texas for those who drive nontraditional vehicles.