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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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Directory of Texas Insurance Agents
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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.
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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..
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Are you paying WAY too much for your car insurance? I ask my customers at my repair shop this all the time, and their answer is usually the same "...probably, but I am not real sure" Checking beats guessing!
I hope you will take just a few minutes (that is all it takes) to check the savings that I believe you will find with my favorite online auto insurance quote services. I did the research for my newsletter subscribers and I want to share the findings with you too.
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My name is Austin Davis. My family has been in the auto repair business since 1937 in Houston, TX ...I am the third generation. Helping people with their car needs runs in my blood. Can I help you find a new car quote?
The link above is for Automotive.com, they are one of the largest new and used car price quote services on the Internet. They will match your needs with local dealers, and have the dealership contact you with their BEST new car price.
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Buying a used car could not be easier. Great deals are available if you know where to look for them. Buyers should do their home work on the Internet first before stepping foot in the dealership door or visiting a private seller. Getting a price quote before you shop is the key.
When buying a used car there are a few things to remember. Have a mechanic check it out FIRST, take a LONG test drive on the freeway (defects seem to show themselves better after a few miles of driving...like overheating, smoke from the tailpipe, front end vibrations etc.) , feel free to use our pre purchase check list to help you rule out a possible lemon. And negotiate the price as best as you can with comparisons from the quote link above.
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I can not stress this enough COMPARE YOUR INSURANCE RATES every 2 years!
I promise, if you have not compared your rates in the last 2 years.....are you paying more than you should! I have written tons of newsletter articles on the subject of insurance and why rates can actually go down over time....except YOUR current premium stays the same. Shop around and see for yourself.
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While the phrase "less is more" may be true when youćŽe decorating or accessorizing, when it comes to auto insurance, more is less: The more coverage you have, the less it will cost you if you get in an accident. While there no hard and fast rule about the amount of auto insurance coverage you should have, most states require that you carry only a minimum level of auto insurance coverage.
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How do I get the most auto insurance coverage for my insurance dollar
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