CLEVELAND, OH - September 17, 2007 - Insurance.com, the largest online auto insurance agency in the United States, reports that car insurance rates continue to decrease depending on geographical location. What does this mean for auto insurance rates in Harris County? Residents saw a 3.9% decrease, with average car insurance premiums falling from $1,904 in 2006 to $1,830 in 2007. A significant savings for persons with auto insurance in Texas.

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In Texas, the minimum Vehicle Liability Requirements are 20/40/15. That's 20,000 Per accident for bodily injury per person, 40,000 per accident aggregate for bodily injury, 15,000 Property damage liability per covered accident. This provides a total of up to 55,000 for each covered accident. In order to meet Texas Auto Insurance and state financial responsibility requirements your policy must have at least these limits. The policy must be issued by an insurer authorized to do business within the state. Although 55,000 is the state's minimum coverage requirements, higher limits are available from most insurers if desired.

Texas is considered a tort state, which means that Texas drivers are responsible for any damage and injury they cause in an automobile accident. Most drivers fulfill this responsibility by purchasing a Texas auto insurance policy which meet or exceed state minimum coverage levels. Texas auto liability minimums are 20/40/15. (That's $20,000 per person for injuries you cause to the other party, up to $40,000 for all, and $15,000 for damage you cause to the other party's property.) However, most insurance experts recommend that you carry higher levels of coverage, particularly if you have substantial assets to protect..