Posts tagged Insurance Providers
Convicted of DUI in Houston – How Much Will Auto Insurance Increase?
Apr 5th
Reader’s Question:
I live in Houston TX and recently I was convicted of DUI. Now Im a bit worried with my auto insurance if they will increase my insurance rate. How much will it be?
Ricky
Houston TX
Houston drivers would be well advised to know how strict Texas laws are when it comes to DUI or Driving Under the Influence. Even stricter are the punishments faced by anyone proven to be driving drunk or under the influence of drugs. Fines can be very costly, license suspended, and the possibility of going to jail is very real, just for of a few bottles of suds. A DUI auto insurance policy is also essential once you are allowed to drive again after a DUI.
Let’s take a closer look at the penalties Texas has for DUI offenders: First-time offenders gets fined $2,000, jail time from 72 hours up to 180 days, 90 day – one year license suspension and you would need to install an Interlock Ignition Device on all of your vehicles at your own expense. 2nd offense: $4,000 fine, 30 days – 1 year in jail, license suspension for 6 months to a year. 3rd offense: $10,000 fine, 2 – 10 years in jail, and two years license revocation.
Life after a DUI can be very expensive, especially when it comes to auto insurance coverage. One can expect much higher rates and premiums if you have a DUI on your record, however, affordable DUI auto insurance coverage is still available, you just have to know how and where to look for them.
The Internet is one of the best, if not THE best, ways to maximize your chances of getting an affordable DUI auto insurance. Houston is a big market and there are many dedicated DUI and auto insurance providers and online insurance portals that caters to it. By running free auto insurance quote checks and comparing many different companies, you are sure to find an auto insurance policy that best suits your needs.
Remember, the right kind of DUI auto insurance can save you hundreds of dollars a year, if not more. It doesn’t take days or hours to find them, only minutes of your time and a small bit of effort. Done correctly, you are sure to find a quality auto insurance provider that doesn’t break your bank.
Automobile Insurance Rate Quotes in Houston Texas
Nov 12th
Reader’s Question:
I am soon to renew my car insurance here in Houston, Texas and I never agreed to the insurance company’s conclusion on my car’s value. In case I switch insurance companies, what can I do if I still don’t agree on how they determine my car’s value?
Nikolai
Houston, TX
If you switch car insurance providers in Houston, Texas and still don’t agree with their conclusion of your car’s value, there are some things that you could do about it. Above all, if you keep records of maintenance that will be a proof that you had changed oil every 3,000 miles and had the vehicle checked regularly by a mechanic, make a duplicate of those records and show them to the insurance provider to prove that your vehicle was in perfect order. In case you have any special parts put in or done some upgrades and you have been paying premiums on for those enhancement, be certain that this will be considered on their assessment.
You may also obtain price quotes for replacement vehicles from at least three car dealers within your area and present these quotes to the car insurance provider. You could ask them to give you a list of car dealers within a certain distance who could sell you a vehicle at the quoted price they say that is the same as your vehicle. If you are still not contented, you may go to arbitration and hand over your case to a neutral party to help attain a negotiation or a binding decision.
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.
Compare Auto Insurance Prices in Houston Texas
Oct 31st
Reader’s Question:
My best friend advised me to consider some things to get discounts when I subscribe to auto insurance policy. What specific things are of help for me to get discounts on auto insurance here in Houston, Texas?
Michael
Houston, TX
Discounts offered by auto insurance providers there in Houston , Texas usually depend on the features of the car their potential clients wish to include in the coverage of their auto insurance policy. In this case, I suggest that you choose to buy cars with features such as air bags and anti-lock brakes, which diminish chances of physical injuries during incidents of roadway collisions. Moreover, consider cars with anti-theft devices such as steering wheel locking device and car alarms that, on the other hand, reduce chances of theft.
Discount opportunities may also be granted to you when your auto insurance policy covers multiple cars and/or drivers. Some insurance providers also give discounts to their clients that already have at least five years subscription to their company.
However, insurance companies do have various experiences with their policyholders. And typically these companies attribute these experiences as potential leverage for their discount opportunities. Insurance providers have paid different claim payouts, thus, some may charge higher insurance premiums on particular insurance type and coverage while some charge lower. More often than not, insurers apply such instance on their discount offerings. Try to shop for at least three insurance quotes, so to speak, for you to have options to choose from.
Looking For Cheap Student Car Insurance in Houston?
Oct 31st
Reader’s Question:
I am away from home for college and I want to get affordable car insurance here in Houston, Texas. How can I shop for car insurance while I am attending school?
Olson
Houston, TX
We know that car insurance can be costly, especially if you are a student who is on a tight budget. However, with some arrangement and research, you could get affordable car insurance while you are attending school in Houston, Texas. Like any other shopping, you have to shop around several car insurance providers so that you can compare each one of them and get the best deals on auto insurance for students. To be eligible for the most affordable rates and discounts, you have to continue to have good grades. Some auto insurance providers offer discounts if you have an average grade of B or higher.
I also suggest that you drive convenient, dependable cars that have good gas mileage. Keep in mind as well that sports car or other vehicles that are prone to theft would be more expensive to insure. Make sure that you have safety features in your vehicle, such as anti-lock brakes and airbags because these could lower your insurance rates. If you have higher deductible on your car insurance, this will surely have lower premiums. Best of all, you need to be a safe driver and have a clean driving record because this will go a long way in maintaining a lower premiums while you’re a student.
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.
Cheap Drunk Driver Insurance Rates in Houston Texas
Oct 14th
Reader’s Question:
They say that my auto insurance rate would increase after my DWI here in Houston, Texas. Is there a law that regulates the rates that are being charged for an auto insurance?
Kade
Houston, TX
Auto insurance providers often increase their premium rates after a DWI or drunk driving conviction. This increase would be by as much as two or three times the current insurance rate that you have. In most instances, this would simply be price gouging as the statistical occurrence of crashes caused by a convicted driver who has first-time DWI is far less than the level that would justify the increases. There are actually no laws that regulate the insurance rates charged after a DWI, but they differ greatly from company to company and definitely justify shopping around.
Getting affordable vehicle insurance after a DWI conviction, or even after an arrest, could be a very difficult situation. A lot of the bigger insurance companies would likely not offer you auto insurance after your DWI in Houston, Texas at any rate. The smaller insurance carriers are commonly more willing to provide coverage but at a higher rate. But the simple fact is that the increased rates charged for people with DWI on their history would differ from one provider to another. Get a quote from this website and you will find an affordable auto insurance that you need.
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