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5 Ways to Save Money on Your Houston Car Insurance: Sweeten the Deal

Posted April 18th, 2014 in Affordable Houston Car Insurance by Paul

Getting good car insurance means having an umbrella when there might be a storm coming. It’s not optional, but a necessary precaution. Since it’s wise to do it anyway, you may at least look for ways to save up some money while you’re at it. Don’t settle for the first deal you encounter, but look for the best one available. It’s up to you to sweeten the deal and with our 5 tips it’s easy to get started. Make sure you do a lot of research before signing with a car insurance dealer, to make sure you’re getting the best of the best.

sweeten the deal

1st Way to Sweeten the Deal

First and foremost, research what other customers have to say about your potential insurer to make sure no one complains about not getting their money’s worth. This first tip is more like a precaution than a tip actually, but even if it doesn’t really provide a discount when you first sign for the deal, it might save you a big financial gap later down the road. Even if you get to the point in which the accident already occurred but the company refuses to cover your expenses, there are still ways to win. File a complaint against them via the TDI and you’ll find them very helpful if you’ve been wronged of what was rightfully yours.

2nd Way to Sweeten the Deal

If you research the rates of car insurance in your local area, you’ll find yourself pretty lucky to live in Houston, Texas, since the rates here tend to be lower compared to the average or at least not as high as you expected. Still, make sure you don’t settle for the cheapest of them all if it doesn’t also come with positive reviews, because that might be a financial risk you shouldn’t take.

3rd Way to Sweeten the Deal

This is one of the best parts and unfortunately not enough drivers know about this: the state of Texas allows you some discounts on car insurance under certain conditions. The easiest discount to obtain comes only for agreeing to take a drug and alcohol awareness course. Unfortunately, drivers who already had a misdemeanor related to the use of drugs or alcohol in the past years aren’t entitled to enroll for the course, but for the rest, it’s an easy to get 5% discount.

4th Way to Sweeten the Deal

Research what other discounts you’re entitled to. For example, if you had only one at-fault accident, you’re eligible to receive the Accident Forgiveness Coverage, provided your insurance policy has been active for at least 2 years. Safe driver? Well, if you didn’t have any accidents yet, then you’re entitled to the Disappearing Deductible, which means that you’ll be basically getting 100$ credit per vehicle with every year that you are claim-free.

5th Way to Sweeten the Deal

His one is mostly for when damages have already been made, but it’s still useful to know. If you just got yourself a new car, either by purchase or by lease, here’s the good news: there’s yet another deduction you have a right to. Research the OEM (Original Equipment Manufacturer) Parts Coverage and in case you damage your car while it’s still within its first 20.000 miles, you’ll be entitled to a partial discount in the repairs.

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How to Choose Between Leasing or Buying a Car in Houston

Posted April 11th, 2014 in Understanding Houston Car Insurance by Paul

lease-vs-buyIf you live in Houston and don’t have a car yet, you are probably thinking about getting one as soon as possible, as sometimes the public transportation systems doesn’t cover all possible areas, doesn’t work at late hours and if you have to commute to a nearby area or send the kid to school there, a car becomes more than a whim, but a necessity. People who had to move to Houston for limited amounts of time, such as an year or two, usually opted for leasing a car and leave it behind after their staying was over, but for residents, the pros and cons of leasing or buying a car in Houston seem to add up in a pile and not everybody is certain that one way is better than the other. Today we will take a look over at what to choose and how to choose between leasing or buying a car in Houston, talking about the involved factors and the range of advantages and disadvantages of each choice.

Why do some people buy their cars and some lease their cars? One of the first issues that needs to be pointed out is that leasing a car is a good choice for people who don’t have the money for a solid downpayment in order to buy a car, as it is well known that the first leasing investment usually consists in the first month’s payment, the tax and registration fees, and  the refundable security deposit. However, you should be aware that there is something called “capitalized cost deduction” and it sounds terrific on paper, if you are to believe the commercials, but be careful with contracting such lease, it is requires a huge downpayment. And if you have that kind of money to spend on a lease, you can very well change your mind and purchase the vehicle.

Another financial factor that inclined the balance towards the lease is your entrepreneurial status: if you are a business owner or an independent entrepreneur, your lease payments are deductible from your taxable income, provided you use the car only for business.

Car insurance is mandatory in Houston, so no matter how you drive it, standard insurance is what you need, as you still have to repair and maintain the car and be covered for all sorts of troubles. However, when you lease a car, you should pay attention to your insurance policy and make sure you have your back covered in case the car gets stolen or is declared a total loss after an accident. When checking your Houston car insurance options, make sure you ask your insurer about gap insurance, for the worse case scenario.

Before jumping in at the perspective that you can lease a car with little per – month money and be cool enough to change it with a new one in an year or two, make sure you have your leasing company give you all the gory details about how much your lease will really cost: type of lease, fess and taxes, capitalization, residual costs, excess wear and tear fees, extra mileage fees, early termination fees, inflated capitalized costs and disposition fees, standard car insurance and gap insurance. It’s not the monthly cost of a lease that is important, but the total costs that sometimes may challenge the costs of buying a car. While leasing has some obvious financial benefits, when deciding between leasing or buying a car in Houston, you should know first how much are you going to drive, how long do you intend to keep the car and how well you can make the vehicle work for you if you’re using it for entrepreneurial purposes.

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5 Reasons to Buy Houston Car Insurance Today

imagesGetting a good car insurance, especially if living in Houston, should be one of the main priorities for the drivers that don’t have one already. While the ins and outs of the specific deal might still be negotiable and debatable, postponing it will not bring anything good. The protection you obtain and the risks or penalties you avoid are all compelling reasons to buy Houston car insurance as soon as possible. Let’s have a look why.

1. It’s mandatory.

According to the current laws, car insurance is mandatory in all Texas areas. Even when registering you vehicle, you will need to provide the law enforcers with proof that you bought it and that it is insured. Before you decide on one of the options, make sure you compare quotes; it might be boring but it’s always a good idea.

2. It’s cheaper than you might expect.

Research the rates of the insurance dealers in Houston and you’ll be surprised that the rates were not as high as you expected. Also, be aware that you’re entitled to a few nice discounts: for example, the state guarantees you a discount only for agreeing to take a drug and alcohol awareness course. Seems like a fair exchange if you’re looking to sweeten the deal.

3. It’s also easier than you think.

Nowadays when all the information in your area is available on the vast reaches of the internet, it’s much easier to research and decide on a policy than it was before. No more actual trips to different companies to enquire about their respective insurance programs: just look online for something that corresponds to both you financial stats and your coverage needs. Easy as pie.

4. In the unfortunate case of an accident, your life will be easier.

We don’t know about you, but when we think about the prospect of accidents – and they can happen to anyone – we don’t need any extra reasons to buy Houston car insurance. Should you find yourself involved in such a misfortunate occurrence, you’ll find great consolation that at least it’s easier to deal with the aftermath when you have car insurance. All that’s left to do is to exchange details with the other driver and to file an insurance claim.

5. It can ward off some expenses.

Potential savings and financial disaster protection are all the more reasons to buy Houston car insurance a.s.a.p. Not only an insurance can make you not have to pay the other driver’s bills, but it can also fill in for your suffered damages (by virtue of included personal damage coverage). All in all, to reap these benefits and avoid legal trouble, it’s best to get covered as soon as you’re driving a car.

Remember: a good insurance provider will give you the advantages you seek at premium prices. To make sure you avoid any potential disappointment, make sure you thoroughly read and understand the terms of your contract before signing it. If you get to the point where you have a problem with your insurance company, you can always file a complaint through the TDI. But to prevent things from ever getting to that point, just be careful to choose a trustworthy dealer and don’t be afraid to sign up with them. You have all the reasons to buy Houston car insurance as soon as you can.

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Top 3 Cheapest and Most Expensive Texas Cities for Auto Insurance

Posted March 24th, 2014 in Affordable Houston Car Insurance by Paul

Many drivers consider it difficult to find a reasonably priced insurance policy. However, if you are prepared to invest more time in your research, you will definitely find affordable rates. Texas insurances are ranked in the affordable half in national comparisons, but obviously, rates might vary from insurance owner to insurance owner. The best idea would be to start by comparing quotes. On other occasions, you might find it helpful to compare studies of auto insurance quotes in Texas based on general profiles.

car insurance

First and foremost, drivers should know that prices vary according to where the consumer garages his vehicle. A rule of thumb would be that consumers must obtain three different auto insurance quotes before they make a decision. According to studies, Wichita Falls and Midland are the areas with the best auto insurance prices, while McAllen and Houston fall into the expensive category.

Average Cost of Auto Insurance in Texas

Apparently, the average for premium quotes is 556$/ year, according to a study conducted on 30 urban areas. The reason why Houston has more expensive policies is because it has higher auto insurance costs for 20% of the population. So if we were to exclude the population factor, average insurance costs would fall to 538$, as opposed to 610$ per year. It is surprising that two of the largest cities in the area, San Antonio and Austin have excellent rates, compared to their population. Let’s take a look at the cheapest and most expensive prices for the three most important cities in Texas.

Cities with the Cheapest Insurance Policies in Texas

  1. Wichita Falls is home to 105.000 people, and also the best city for auto insurance in Texas. The average rates for this area is 436$ per year, which means 22% cheaper than the average premium for all cities in the state.
  2. Midland follows close behind, with an average of 439$ per year. It is the place where George W. Bush lived his childhood, and also an excellent place to shop for auto insurance. Their premiums are approximately a fifth less than other insurance policies in Texas.
  3. Abilene is situated between the Taylor and Jones counties. Auto-insurance costs here vary between 480-490$ per year, which is 12% less than the average auto insurance costs in Texas.

Cities with the Most Expensive Insurance Policies in Texas

  1. Houston: Sadly, Houston is ranked at the top of the expensive list, with a cost of 610$ per years, which is 10% more than the average of the state. The price is higher due to larger population and risks in the area. Nevertheless, if you shop around you might found reasonable insurance policies. For more information about Houston insurance policies, research online. Nevertheless, a lower price would be difficult to obtain, if you were to factor in all the risks and extra coverages. 
  2. Pasadena: Driving cars in Pasadena is pretty expensive, because it it costs approximately 596$ per year. This is 7% more than the average in the state.
  3. Dallas: For Dallas insurance you will have to pay 8% more than other insurances, and that’s 603$ on average per year. This is due to the large population within the city, and other risks calculated in the policy.  
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5 Deceptive Sales Practices that Houston Car Insurers Use

Posted March 17th, 2014 in Understanding Houston Car Insurance by Paul

73EECF56AC3D477CE20D22786E9B0Purchasing a new vehicle can be a very daunting task, both physically and mentally. It’s a great investment, that you will probably have to handle for years to come, so you have to get it right. Not only is it difficult to buy a new car, but it can be downright infuriating to find a decent auto insurance policy, especially since the industry is rife with deceptive sales practices. So how can you make sure that you won’t get tricked by one of these sneaky agents? The answer is being informed, not only about your rights, but also about their methods.

Houston is crawling with dealerships and salespeople whose only mission is to tack on as many unnecessary costs as possible, which are expensive and offer little coverage. If you refuse to do your homework, you will probably be more susceptible to deceptive sales practices. Let’s take a look at the five most common Sneaky car dealer and auto insurer sales tricks which are perpetuated in Houston.

1. Accident Forgiveness is not that Simple

Most companies don’t immediately surcharge you for an accident. While they may forgive a fender bender, they will probably not have you covered if you crash into a pole. Accident forgiveness from sneaky car insurers will cover the property damage part of your accident, but in most cases, it will not cover claims of bodily injury. Granted, if you are generally a safe driver, you will never see an increase just by having one accident during your tenure with the insuring company.

2. “We Guarantee the Lowest Price”

Nobody can guarantee the lowest price, it is impossible, simply because every car, and every person is different. In other words, every situation will have different costs and coverage included. Maybe, if you put this marketing promise under your pillow at night the Guarantee Fairy will come and exchange it for an extra coverage, because there’s no way one company can offer the lowest price to every driver. Insurance pricing is based on statistics and facts. You can’t just lower the price to match someone else’s. It doesn’t work that way, because auto insurance is not a laptop or sounds system.

3. “Name Your Own Price”

What happens if you choose 10 dollars for insurance? This is simply ludicrous. You can’t just decide the price of your insurance policy on your own, because, as we said, there are many statistics and calculations involved in deciding a decent insurance plan. If you want to pay less for insurance in Houston, don’t fall for these deceptive sales practices. Look for a decent agent or company, research online beforehand, and make sure you know what you are paying for.

4. Moving up in Small, Incremental Amounts

What’s another extra bucks going to mean for your insurance policy anyway? This is what the sneaky agent might ask. If you look at the bigger picture, you will see just how much it counts. Twenty extra dollars/month might mean 1000 dollars in five years, and what do you get for them? We are positive it’s something you can live without. Sneaky agents will always try to lure potential customers with extra packages, and we are not telling you not to take advantage of them if they are truly useful. Just tread carefully.

5. The “No-Cancellation” Guarantee

Of course they are offering a no-cancellation guarantee, because they are already getting so much money out of the useless coverage options that you are paying for without having to. The question when will you cancel your policy with them? Don’t be fooled by deceptive sales practices which offer no-cancellation guarantees. Most of the times they are actually bad for your budget.

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Discounts for Houston Car Insurance You Didn’t Know Existed

Posted March 10th, 2014 in Affordable Houston Car Insurance by Paul

Houston car insurance

Nobody will ever give you anything for free, and no one is genuinely interested in helping you out, expect probably family. Finding the perfect auto insurance policy for your vehicle and credit history may be difficult, especially if you haven’t conducted proper research beforehand. The idea is to find something that gives the most value for your vehicle. Every company is different, when it comes to discounts for Houston Car Insurance and coverage options, but there are a few options that you should definitely keep an eye out for, as they will significantly reduce the costs of car insurance. Here are the right options for vehicle insurance:

1. Accident Forgiveness Coverage

You may not have heard about it before, but this coverage “forgives” a surcharge associated with only one at-fault accident. If you are a new driver you can only benefit from this type of coverage if you have already qualified for the Excellent Driver Discount Plus, under the Save Driver Insurance plan. If you already have insurance you can add this coverage to your plan, but you must first meet three requirements. You need your policy to have been active for the last 2 years, qualify for the Excellent Driver Discount plus and meet other requirements imposed by your insurance company.

2. Dissapearing Deductible

Another interesting coverage plan is the Dissapearing Deductible one. What it basically does is provide with an automatic 100$ credit/vehicle for every year that you are claim-free. You can add it against the collision deductible, and receive a maximum of 500 dollars per vehicle. This can be a great addition to your discounts for Houston Car Insurance.

3. Loan or Lease Gap

Have you just purchased a brand new car? This is great news because the Loan or Lease gap will pay the difference between the loss and the balance owed on Loaned/leased vehicles. The only requirement is for the car to have less than 45.000 miles over the last 36 months since it was purchased.

4. OEM Parts Coverage

This is one of the best options that you could get. OEM stands for Original Equipment Manufacturer. Did you know that in most situations insurance companies will not replace damaged parts with original ones? The only way to prevent this from happening is by getting the OEM Parts coverage. In order to qualify for it you must respect the following conditions:

  • The damage must occur within the vehicle’s first 20.000 miles
  • The car must not be more than 10 years old
  • You must qualify for the specific needs of your insurance company

If these three points are met, your enhancement and repairs will apply in case of collision, limited collision and comprehensive coverage for your vehicles.

5. Door-2-Door Claim Service

Claims can be a drag, but this will no longer be the case if you have Door-2-Door claim service. It will ensure that your vehicle is picked-up, and repaired, while you stroll around in a rental one. Once your car is restored to its former condition, it will be returned, and the rental will be picked up. Another great thing about this coverage is the fact that repairs done by the referral shop are guaranteed to last as long as you own/lease the car.

Bonus: Other Good Discounts

As we already mentioned, different companies set different prices, but for Houston car coverage, you can expect the following discounts:

  1. Advanced Driver Training: for inexperienced drivers who complete certified training (approx. 5%)
  2. Motor Club Memberships  
  3. Passive Restrain: for cars with restraints and airbags (approx. 25%)
  4. Public Transit: commuters who usually use public transit (approx. 10%)
  5. Anti-Theft: for cars with anti-theft devices/alarms (approx. 20-35%)
  6. Homeowner: for those who write auto policy together with homeowner’s policy (approx. 20%)
  7. Senior Citizen: (approx. 25%)
  8. Multi-Car: (approx. 5-10%)

There are other discounts for Houston car insurance available, but these ones are the ones with the best rates.

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Houston Car Insurance 101: The Ford Fusion Hybrid is a Sturdy Investment

Posted March 3rd, 2014 in Affordable Houston Car Insurance by Paul

ford-fusion-hybrid-09Looking for the best Houston car insurance policies is difficult enough with a traditional car, but what about car insurance for hybrid ones? Do you know what different car insurance companies have to offer, what your quote is, or how companies calculate rates? Probably not, especially if we are talking about hybrid cars. Today we would like to take a look at the Ford Fusion Hybrid, and help you understand how to easily get it insured.

With a manufacturer’s suggested retail price of 28.600$, the Ford Fusion Hybrid is one of the most affordable, yet most efficient hybrid sedans on the market right now. The vehicle can reach up to 47mph on electric power alone, and it will only use fuel for rapid acceleration, which means that it is environmentally friendly. If you are thinking of purchasing one for yourself, you should know that its technical specs include a 2.5 liter Atkinson-Cycle 4-cylinder engine and an electric motor that can generate an astonishing 191 horsepower. This makes it more powerful than a traditional 4-cylinder gasoline-powered Fusion.

The Environmental Protection Agency reports that the Fusion Hybrid gets somewhere close to 41 city/39 highway MPG. This means that a regular driver should expect to pay around 1.200 dollars for gas per year. There is also a gas powered Ford Fusion that uses 12 barrels of oil/year as opposed to its hybrid counter-part that only needs 9 barrels. You might be happy to hear that this particular vehicle model only emits 4.8 tons of CO2 under normal driving conditions (the regular Fusion emits 7.2 tons of CO2). Now that you know the basic specs, let’s take a look at average insurance coverage costs for it.

Ford Fusion Hybrid Insurance Rates

Although rates may vary from state to state, Houston specialists report that an average monthly auto insurance of about 100-120$ is estimated for the 2012 Fusion Hybrid, considering that the driver has at least six years of experience. This adds up to 1440$ per year and 7200$ over five years. Drivers who have only three years of experience will probably pay around 200-240$ per month, and rates can climb up to over 300$ for those with less than three years of experience. What do these rates mean, when compared to other hybrid cars?

The Nissan Altima Hybrid also costs approximately 100-120$ per month to insure, but the Honda Civic Hybrid only costs 92$ per month. More expensive models include the Hyundai Sonata Hybrid and Toyota Prius or Camry Hybrid. The differences in monthly costs may seem low, but they might help you save 900-1000 dollars over five years.

Ford Fusion Hybrid Repair Costs and Warranty

You should also know that the 2012 Fusion Hybrid receives a 36.000 miles/three years warranty, and its power-train is covered for an additional two years/24.000 miles. The other components receive an 8 years/100.000 miles insurance so you can sleep soundly at night. As far as repair costs go, they are regularly covered under warranty for the first two years of ownership. If the car is no longer under warranty, repair costs will consist of 400-450$ on average, during the third year. In the fourth and fifth year you should expect approximately 700$ dollars for each Ford Fusion Hybrid repair, and after the fifth year, prices will escalate to over 1.800$ per repair. We know what you are thinking: repair costs are quite high, and this might make you want to consider the Hyundai Sonata Hybrid, which is expected to total just 630$ per repair.

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Laws and Regulations for Car Insurance in Houston, Texas

Posted February 26th, 2014 in Understanding Houston Car Insurance by Paul

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Laws and Regulations for Car Insurance in Houston, Texas

Have you recently moved to Houston, Texas, bought a driver’s license, got a car, but have no idea what to do about your car insurance? We will tell you from the start that car insurance is essential, not only for your own safety, but also for that of people around you. According to Texas regulations, you must purchase and maintain your car insurance as an indication of your financial responsibility, and why wouldn’t you? The120 dollars you pay every month to keep your family and self safe, is a lot better than destroying your entire budget in one accident. Did you know that in Texas you can get a discount for auto insurance simply by taking a drug and alcohol awareness course? You probably didn’t. Here’s the breakdown of Texas laws and regulations, and tips for car insurance in Houston that you should be aware about.

Minimum Coverage Levels and Additional Insurance:

As is the case with other states, Texas also has a minimum coverage level for auto insurance policy that you must meet. However, in most cases this sum is not enough for serious accidents. Insurance experts advise drivers to buy extra insurance, even if the state laws do not require it. Because Texas is a tort state, chances are that someone will be found liable in case of accidents (he will have to pay damages and bodily injuries). So if you are hit by an uninsured person, you will have to pay more than your insurance contains. Here is the minimum coverage level:

  • $30,000 in bodily injury coverage per person
  • $60,000 in bodily injury coverage total per incident
  • $25,000 in property damage coverage per incident

Other Car Insurance Packages

Even if you are not obliged by the law to purchase extra insurance, we strongly recommend that you consider one of the following coverages, which will offer you more security:

  • Comprehensive coverage will protect your car in situations when it is not damaged in a collision. In other words, if something like hail dents appear on it, the damages will be covered by the comprehensive coverage.
  • The Uninsured/Under-insured drivers coverage is one of the best options that you can consider. Approximately 20% of Texas drivers are not insured, so you should protect yourself from damages caused by them with the UDC.
  • Medical / Personal Injury Coverage will provide protection for your passengers. If you often travel with your family, you will definitely need it. Regardless of the person who was responsible for the accident, you will have the medical bills covered by insurance. Don’t use it if you have comprehensive medical insurance.
  • GAP Insurance stands for Guaranteed Auto Protection and it comes into play when you buy a new car that you are still paying for. If your car is totaled or stolen, your insurance company will give you the liable difference.

Texas Automobile Insurance Plan Association

It is not only car insurance companies that need the go from possible clients. Clients also need to meet some requirements to be accepted by an insurance company. If two companies refuse to insure you, you can buy a car insurance through the Texas Automobile Insurance Plan Association (TAIPA). To be eligible for TAIPA you must have a driver’s license, have a car registered in Texas/live in Texas, and certify that 2 insurance companies have turned you down in the last 60 days.

TAIPA Coverage:

$2,500 Personal Injury Protection.

  • Uninsured/Underinsured Motorists Coverage of:
    • $30,000 personal injury.
    • $60,000 injuries per incident.
    • $25,000 property damage.
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All You Need to Know About Texas SR22 Insurance

Posted February 19th, 2014 in Uncategorized by Paul

Calculator and red toy carHave you lost your license, and are you working on getting it back? If this is the case, it is very possible that the term of SR22 insurance kept popping up. For most people, auto insurance is a thing that they have to purchase, don’t want to, and hope never to use. Nevertheless, as much as we despise paying for such a service, it is extremely important, especially if you care about the safety and well-being of you and your family. SR22 is a state filling required of drivers who have somehow managed to lose their license.

If you know all about it, you will definitely have your privileges reinstated in no time. SR22 is basically what happens when your insurance carrier files paperwork to notify the state about the type of coverage that you have opted for (your insurance company often sends in policy renewal and reports in which it alerts the state of our payments and evolution).

Do you Need SR22 Insurance, Houston Driver?

If you are the type of person that never passes on a yellow light, or drives bellow speed limit, you will not need SR22 insurance. But if you have the Fast and Furious gene in your blood, this might be exactly the type of insurance that you should be worrying about. SR22 insurances are usually handled by all types of car coverage companies, but you should definitely consider a high-risk one because it will offer you more options and get the job done efficiently. Also, if you fail to obtain proof of standard liability insurance, enjoy driving under the influence, or incur moving violations over a 12-month period, you should consider getting SR22 insurance.

What Makes SR22 Different from Standard Auto Insurance?

To be completely honest, the difference is not very big. A SR22 insurance is very similar to a standard auto insurance in many ways. First of all, the state will request a special certificate from your insurance company if you want to apply for a reinstatement of your driver’s license. This means that your insurer has to notify the Texas DPS to lift a driver’s license suspension. The major difference is that companies which provide with this type of coverage are usually mandated by law to notify the Texas Department of Public Safety if your policy expires. In other words, law officials will know that you are no longer an insured driver.

Is it Difficult to Get SR22 Insurance?

As we already mentioned, although most insurance companies can offer SR22 insurances, some of them simply choose to ignore these requests. This is because SR22 are usually high risk, and the insurer will have to keep in touch with the Texas DPS once you have successfully completed the policy.

If you don’t know where to find a suitable company, you can browse online, or simply check some of your local insurance companies. Tell the carrier what you want, and he will take care of the rest.

How Much Does SR22 Insurance Policy Cost?

In most cases, obtaining a SR22 insurance in the first place means that they have had your driver’s license suspended. If this is the case, you can also get it back yourself (there are four offices across the state where you can fill SR22 forms in person – Houston, Austin, Dallas, and San Antonio). The fee for it will be lower than the one from a company. Considering that you will be placed in the higher risk category, you will have to pay more than for a regular auto insurance.

Can You Renew the SR22 Insurance Policy?

The answer is yes, but you have to do it fast because the state will be notified when your insurance expires. A non-renewal within time limit (15-days) can result in the suspension of your driver’s license.

Acquiring Texas SR22 Insurance can be a bit of a hassle, but if you are punctual and understand all the requirements you should be fine.

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All You Need to Know About Full Coverage Insurance in Houston

Posted February 12th, 2014 in Understanding Houston Car Insurance by Paul

Hand with money and toy carMost people think that they have to pay a lot of money for services that they will never use, but the truth is that most of them don’t even make an effort to learn more about the things that they are paying for. They hear their family or friends talking about home or car insurance, and they get the same deals even regardless of the fact that it might not be the same fit for them. The same thing happens with full coverage insurance. When you buy or lease your car, you are told that you need to get insurance, and usually, full coverage. Do you know what that means? Do you really need to be covered for everything by your policy?

Why Full Coverage Insurance is Not the Right Term to Use

Although what is referred to as full coverage insurance, covers most issues, there is no such thing as a true full coverage insurance. As a matter of fact, there is no policy in the world that can take care of all contingencies, so most insurances are actually a collection of policies that will provide with better protection in case of accidents. This is the most important detail that you should know about full insurance coverage in Houston, Texas. The most common policies that can be found in what we call full coverage, includes liability, collision, comprehensive, personal injury protection etc., which we have already discussed in a previous article.

Full coverage insurance isn’t as cut and dry as you think, and it is basically a term that has evolved and is well known in the industry by carriers. It does not play by specific rules, and it can be interpreted differently by different companies and drivers. Nevertheless, the core of full coverage consists of essential policies like the State Minimum requirements (liability and property damage), comprehensive and collision policy. There are also other coverages included in a “full” coverage that you might, or might not need. Let’s take a look at them.

Extra Policies Included in Full Coverage that are Not Necessary:

The most important rule that you have to learn when it comes to car insurance, is that there is no such thing as a sure thing. If you buy full coverage don’t expect roadside assistance to be included. It probably won’t be. There is also such a term as extra car insurance coverage, that has everything you might ever need on the road. Let’s take a look at some extra policies which may, or may not be included in full coverage:

  1. Full Glass Coverage: glass damage will be covered automatically if you choose a full coverage, because it falls under the comprehensive category. However, if you decide for a high deductible on comprehensive, you will have to buy glass coverage separately.

  2. Car Rental: might be an important coverage for you, especially if you use rentals a lot. Sometimes, the coverage will be included but not listed, and insurance carriers might offer limited amount of reimbursement, but in most situations you will have to ask for it yourself.

  3. OEM Endorsement: Did you know that carriers don’t use parts directly from the car’s manufacturer when they fix your car? Upon request, you can add additional coverage to get OEM parts.

  4. Vanishing Deductible: if your insurer does not offer vanishing deductibles, it means that you won’t automatically come with a full coverage policy. You can add it for a small cost, to avoid losses.

  5. Towing: is without a doubt the most popular packaged coverage included in full coverage insurances. It can be very annoying to have your car towed when you least expected, so roadside assistance will definitely be welcome.