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Laws of Auto Insurance in Houston to be Aware Of

Auto insurance for your vehicle is a must regardless of where you are living. Some minimum insurance is required in order to protect you and your car from any financial burden later. Before buying auto insurance in Houston, you must be aware of the laws of the state. The state requires some minimum liability insurance and the department of motor vehicles is very strict about it. If you are found devoid of the minimum coverage requirements of the state, your license may be confiscated and you may even end up in jail. The minimum requirement for auto insurance in the state was previously 25/50/25- that is, $25000* for one injured person, $50,000* for all people injured and $25000* for property damage. But now, the new regulations have increased the requirements to $30000* for one injured person and $60000* for the total cost of the accident.

HoustonAutoInsuanceThis new law has increased the cost of Houston car insurance even further. It has totaled to almost about a 3% increase and is affecting the general population massively. However, such requirements are necessary to protect your car and family from any major accident. Not only that, the auto insurance companies even recommended some more coverage to keep you totally protected from any major incidents later. It is always advisable to buy some extra coverage because the state’s minimum requirement is just not enough. To cover yourself from uninsured motorists, you can opt for the uninsured motorist’s coverage that the law provides, increasing your premium even further. But it is worth the money, as uninsured motorists are causing accidents on the street every day.

The law is also very strict for drivers caught drinking and driving. If you are charged once, you get a fine of $2,000*, and if you are charged twice, the fine increases to $4,000*. But if you are caught thrice, your license and/or your registration is suspended or you may go to jail. It is only after you provide proof of having the minimum liability will you get your license and registration restored, but only after you pay the reinstatement fee which varies from $175* to $350*. You need to fill up a SR-22 form and keep it for two years of a DUI conviction. A Houston DUI conviction leaves a permanent mark on your license and makes finding a cheap auto insurance rate quite a tough job. Insurance companies may even cancel their coverage with you or may not renew them anymore. In such cases, you need to get a defensive drivers course done. This makes a good impression and can help obtain a cheaper rate.

To avoid getting a DUI conviction altogether, abide by the law and drive carefully. The law is very strict in Houston and if you do not follow them, your license is cancelled or suspended for an indefinite period. Keep the law in mind before you start purchasing insurance. Buying your policy online will help you save $520* in a year.

Moreover, you can choose to buy full or limited coverage, as you see fit. Enter your zip above and in just a few moments we will provide you with the cheapest rates in your area for auto insurance in Houston. Start clicking now!