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The Benefits of Obtaining Houston Car Insurance for Teenagers

It is a common point of worry for many parents as to whether they should get car insurance for their teenager or not. That is because when a kid comes into the teenage years, they start wanting stuff like high end cell phones, gaming consoles, motorbikes and cars. When they ask for stuff like this, parents cannot help but oblige because they then realize that their kids are growing up. Finally, after an occasional set of dialogues or too, the parents oblige to their teenage kid’s request to get them a car. The first argument that arises is that which car to buy for the teenage kid.

Teenagers often request their parents to buy sports cars and luxury cars that don’t only cost much but are dangerous and have an extremely high insurance costs and insurance premiums cost. If a parent is wise and they know what decision to make, they should always buy a car that is economical, safe, doesn’t attract a teenager to drive at extremely high speeds and most importantly, doesn’t cost much when it comes to insurance costs and the rates of insurance premiums. There are many tips that a person can use to buy cheap car insurance in Houston for their teenagers, that is, if they want to insure their teenager’s car.

Insuring a car is really important when a person purchases a new car, whether factory new or used and it is definitely essential if the car is bought for a teenager. Teenagers, whether in Houston, in the United States or anywhere in the world, have been known to drive cars at extremely high speeds and have been known for their rough driving on the roads. That is the most important reason why it is so important to insure a teenagers’ car and parents make grave mistakes by not doing so. By insuring a teenager’s car, it will give them a motive to drive slowly, carefully and care for their car so that they can earn bonuses and discounts from the insurance company.

It will make them realize that their parents are spending a huge sum for their insurance. Most importantly, it will help the parents a lot when fixing the car in case of any accident occurred. If parents think whether they need to insure their teenage kid’s car or not, they should probably realize the aftermath of not insuring their kid’s car.  It should help them realize that it is really important for them to get auto insurance in Houston for their teenage kid’s car.

Not insuring a teenagers’ car is a grave mistake that many parents make and they should never make this mistake again. It is essential that they insure every car they own and it should be compulsory that they insure a car that is driven by a teenager. Parents have the responsibility of protecting their children and when their kid is in the teen age, they should do everything to protect them and to motivate them to be safe at all time.

You can compare insurance quotes by simply entering your ZIP code in the box at the top of this page.

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!