Car Insurance In Houston

Reader’s Question:

I’ll be buying my first car next month. What are the things I need to know about car insurance in Houston?

Alvin

Houston, TX

The number one rule that you need to know about car insurance in Houston is that before you can register your vehicle, you must have it insured. You need to have car insurance and maintain it in every vehicle that you have.

The car insurance in Houston, in the state of Texas, follows a 25/50/25 system and requires the following minimum limits:

• $25,000 for bodily injury or death/person/accident
• $50,000 for bodily injury or death to cover for all people in the accident
• $25,000 for damage to property

It’s important to note that those are just the minimum required limits. Meaning, you cannot go lower than the amount required. However, it is strongly recommended that you set higher limits for you car insurance needs. Being involved in an accident often involves a lot of money. It is said that the sufficient car insurance needs for every person is 100/300/100.

Since you’ve mentioned that you are looking for car insurance in Houston, you can start getting several car insurance rates through the websites. There are a lot Internet sites that offer free car insurance quotes. You just have to compare auto insurance quotes from different carries to ensure that you will get the cheapest rate possible. You can also ask your car insurance agent in your area or even the Texas Department of Insurance for additional information.