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How to Determine the Amount of Insurance Claim from Your Car Insurance Company in Houston

There are many times when a person is not involved in an accident but their car was damaged by other means or happenings. There is also a speculation that they are not directly involved in an accident but their car gets damaged in the accident that occurred. In all these cases, the damage that is inflicted on the car is not too much and the car is not wrecked. When this happens, many people wonder whether they can file a claim based on that damage or they are prohibited from doing that or their company does not accept claims that are based on damage done to a car that is less than a certain limit. The answer to their confusion is pretty simple. They can file a claim on the slightest bit of damage and their insurance company can do nothing but oblige to their claim and act on it.

Filing claims on the slightest bit of damage is pretty annoying because your car inflicts small damages every now and then and filing a claim on every single one of them is no more than pointless. That is because a person would have to go through the whole process of filing an insurance claim, waiting for the results and then getting the car fixed. In a general opinion, it is better that a person does not file for car insurance in Houston until or unless a damage is inflicted on the car that leaves the car unable to start and you cannot drive it anymore. Filing insurance claims every now and then also have consequences of their own and these consequences come in the form of depreciation.

Depreciation are the amounts of cash that a person has to pay on parts for their car in the case that it is damaged and needs to be fixed. Depreciation are applicable on only the technical or mechanical parts that are needed when a car is damaged and is being fixed. The charges that are to be given to the labor and the people working on the car or not subject to depreciation and are paid by the insurance company in the event that an insurance claim is filed.

A person can enjoy filing insurance claims every now and then for small damages that the car inflicts for the first year because the very next year, they will have to pay depreciation on the car parts that are needed to be fixed. Depreciation keep increasing as the car keeps getting older and starts to develop more problems. Depreciation vary from one company that offers car insurance in Houston to the other and is an average 10% for the second and third years of insurance.

So you see, car insurance isn’t all that beneficial and isn’t just free trips to the mechanic and free car fixes. You have to pay for the services the insurance company provides you and what services you use. You should always remember that in every business and in every purchase, the most benefits go to the company providing the product or service and that you never get a product or service for free.

If you want to compare insurance quotes in your area, simply enter your ZIP code in the box at the top!


10 Insider Tips in Buying Auto Insurance in Houston

Car insurance is a necessity for every driver in order to avoid a financial risk later in case of accident or car theft. Getting car insurance in Houston is quite an easy process as there are number of good companies to try from. Houston car insurance must be bought keeping in mind the laws of the state and the minimum requirements. It must be remembered that the laws are very strict and any person caught without insurance can be heavily fined.

The question in the mind of every driver is which insurance to buy. There are certain myths that need to be broken and one must learn more about insurance before deciding to buy one. Here is a list of tips that will help you get a better understanding of car insurance and make your decision an easy one.

•       Look around: Most people are too lazy to look around and shop for the most suitable car insurance for them. They believe that the rates do not differ as such. This thinking must be changed. Many companies provide different policies at different rates. So it is important to look around before jumping into buying one.

•       Look for discounts: Do not just buy insurance without even looking for discounts and offers. Companies are providing discounts every now and then. Keep yourself up to date or you could lose out on a great offer.

•       Look for privileges: Most companies offer certain privileges for teenagers or senior citizens. If you have a clean driving record, you can get lots of benefits. What you need to do is research and start comparing quotes.

•       Go for combined policies: Buying multiple policies from the same company saves you a lot. Not only that, you can get your house or car insured together for an even lower price. In fact, when you are checking on a website for your quotes, they ask you whether you have a home that needs to be insured as this will considerably lower the premium on both your asset.

•       Raise your deductible: Raising your deductible is a sure way of decreasing your insurance premium to a large extent. However, it is not advisable as one may never know how much your pocket  may be emptied when you are involved in an accident.

•       Switch to half-yearly payments: Monthly payment of insurance is not only hassling but more expensive as well. If you pay your insurance every six months or annually, the rates are usually lower.

•       Compare quotes: Compare the quotes of different companies to ensure that you are not paying more.

•       Keep a clean driving record: Drive safely and try to keep a clean driving record which helps you obtain lower rates than a high risk driver.

•       Get rid of unwanted coverage: Try to get rid of any coverage that you do not need.

Finally, keep yourself updated with all the different offers provided by companies to make sure that you do not miss out on anything. Go for a company which is reliable rather than just looking at the rate.

Finally, make sure you have a good driving record and a pleasant credit record. A good credit record is the proof of how responsibly you handle your finances. A good record fetches you discounts!

With one easy step, you can get hold of great offers. Just enter your zip above and start comparing quotes. You will see the difference for yourself.