According to the recent reports by the Insurance Reports Council (IRC), the percentage of Uninsured Motorist drivers in Houston has remained stable, at 15% since 2008. The vehicle owners in Houston, Texas have got a reason to drive without an auto insurance policy. The most prominent reason is the sky-high auto insurance rates in Houston.

However, if you’re someone who is in the market for getting your Houston TX car insurance policy, you need not worry as there are multiple ways to lower the costs. Getting your cheap auto insurance Houston is not a big deal as you may get various quotes from the Houston Auto Insurance Companies.

Houston is a large city where there are large numbers of car thefts and accidents take place every alternate day. This is the main reason behind the inflated auto insurance rates for the drivers who are living in the Houston area. In the year 2008, Houston saw about 200 auto accidents with a total number of 500 people and 300 cars involved in it. Therefore, you must know why you need an auto insurance policy if you’re a driver on the roads of Houston. Have a look at some ways in which you can lower the rates on your Houston auto insurance policy.

Be a safe driver: If you’re looking for a low cost auto insurance Houston, you must be a safe driver. Nothing can cause your auto insurance premiums to increase like speeding tickets, a DUI/DWI charge, accidents or traffic violations. Encourage everyone to drive safely in order to save his dollars on his auto insurance policy. A safe driver will be lucky enough to get low rates on an auto insurance policy.

Choose your car carefully: While you buy your car, you must know that the car that you choose will also have an impact on the auto insurance rates. Certain SUVs and sports cars are expensive and therefore, they are more prone to accidents and thefts. Insuring such cars will hit your wallets hard. Therefore, it is always wiser to opt for low profile cars that are not much exposed to road accidents and are comparatively cheap. The higher is the risk, the more will be your premiums.

Compare auto insurance quotes online: Most auto insurance companies in Houston operate online and therefore, you must not forget to get online quotes from at least 5-6 auto insurance companies. Unless you do the rate shopping, it is impossible for you to know the different rates and thereby choosing the best one will become tougher. Take the policy that will suit your budget.

What is the minimum liability requirement for the Houston drivers?

According to the law in Houston, the drivers and the motorists must have some minimum liability requirements. $25,000 per person is the limit for Bodily Injury Liability and it is $50,000 per accident. An amount of $25,000 in the form of Property Damage Liability is also required. The state of Texas follows the Tort system which means that driver of the car must be at-fault during an accident.

Thus, if you’re a resident of Houston, follow the steps mentioned above to lower the costs on your auto insurance policy. However, check your auto insurance coverage so that you don’t pay for coverage that you do not need. Get your cheap auto insurance Houston

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