Posts tagged Car Insurance Companies
Lower Car Insurance Rates After DUI
Aug 1st
Reader’s Question:
My DUI conviction here in Houston two years ago had a negative effect on my car insurance. How long will it stay high and what can I do to have lower car insurance?
Gary
Houston, TX
The amount of time that your DUI can affect your car insurance rates in Houston depends on the guiding principles of your car insurance provider and the regulations of the state you live in. Different states have different laws regarding how long a DUI or DWI stays on your driving record. It could stay on your motor vehicle record (MVR) for as short as a few years to as long as 10 years depending on the state and the conditions concerning your DUI conviction. As long as your alcohol-related offense stays on your MVR, it is most probably to have an effect on your car insurance premiums.
Every car insurance carrier has their own means of assessing and rating drivers. To determine the amount of time your DUI will remain on your MVR, you can get in touch with the Department of Motor Vehicles (DMV) and to determine how long your present car insurance carrier would continue to give higher premium, get in touch with your car insurance agent.
To lower the payment for your car insurance, you have to shop around the car insurance market. You will discover that even if you have a serious DUI offense two years ago, there are other car insurance companies that can offer you reasonable fees for your coverage. You can do this by simply going online and visiting car insurance comparison quotes Websites. You can collect different car insurance quotes from them and choose the best one that has lower rates than what you pay right now.
Houston Texas Car Insurance Costs and Types of Coverage
Dec 12th
Reader’s Question:
My husband keeps on asking me to search the net since we moved here in Houston, Texas. He keeps on asking me about car insurance here in Texas since I grew up here, but I myself don’t know much. What are the different types of car insurance coverage here in Texas and how do they work?
Vanessa
Amarillo, TX
Car insurance companies here in Houston, Texas use the Texas Automobile Policy which is a regulated policy form that offers different types of coverage. The Texas Department of Insurance approves other companies’ alternative policies in advance before they sell it. Since there are many choices, you should read the policy carefully for different coverage may differ in policy and company.
A coverage you should take from the Texas Personal Automobile Policy is the Liability Coverage, where it pays the damages, repair, medical expenses that resulted from the accident. This could also pay for your lawyer if you get sued because of the accident. Another is Medical Payments Coverage whereas it pays the medical expenses of the person whether a pedestrian or bicyclist and it also covers you and your family whoever caused it. The Personal Injury Protection which has the same medical coverage but it also includes the loss of income and payment for the caregiver needed by the injured. Uninsured or underinsured motorist Coverage pays for the damage from a driver who doesn’t have insurance or doesn’t have enough coverage. Collision damage which pays for the replacement or repair of your car after the accident. Comprehensive Coverage replaces or repairs your car at any causes it had been damaged. Choose the right coverage properly that is applicable here in Texas.
Denied Car Insurance in Houston Texas?
Nov 6th
Reader’s Question
Why would Car insurance companies refuse to offer me insurance coverage? I live here in Houston, Texas and I’m surprised that I had a hard time getting car insurance!
Monty
Houston, TX
There are many reasons why car insurance companies may choose to deny you coverage which is a very difficult predicament seeing as the financial responsibility laws there in Houston, Texas (and most other states) would require you to have some level of car insurance coverage when on the road.
Here’s some of the reasons why an auto insurance provider might refuse you coverage:
1. Your city or location has very high crime-rate involving car theft and vehicle vandalism.
2. Your driving record is less than stellar and you may have even been caught or convicted Driving Under the Influence (DUI) or have other charges resulting from moving violations.
3. Your credit rating is really bad. As in really, really bad.
4. You’ve filed too many claims with your previous car insurance company.
5. You lack driving experience or you haven’t had any other kind of insurance in your life before.
So what if you’ve said yes to most of the items listed above? How can you get the car insurance you need? To good news is that there are still car insurance providers out there that are willing to cover you, for a higher price of course. You just have to look for them. You could also participate in the state assigned risk pool. This is a collection of insurance providers who have agreed to provide you coverage regardless of your record but expect higher premiums.
Saving Money On Car Insurance in Houston Texas
Oct 15th
Reader’s Question:
It’s my first time to get a car of my own that I need to get insurance for here in Houston, Texas. Could you please give me some tips on how to save money when getting a car insurance?
Pacey
Houston, TX
One of the most common facts about owning and driving a car would be paying for the car insurance as this is required by law in most states. This would normally cost motorists to spend a few hundred dollars a year or more if they are part of demographic groups considered by car insurance providers as high risk. If you want better protection in case of an accident, it would be a good idea to have insurance more than the required minimum liability coverage.
Purchasing a new car insurance policy in Houston, Texas would be the best time to save some money so you have to shop around. Don’t immediately opt for the first car insurance policy you see or hear about. You have to check out different policies and compare them. You can take advantage of the free rate quotes that car insurance providers are offering. Prices are different from one company to another even if the states try to control the premiums of car insurance. Some car insurance companies charge less hundreds of dollars than the others. That is probably because they are not spending too much money on advertising.
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