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Choosing a Financial Adviser to Find the Best Houston Cheap Car Insurance

Many people would think that there are differences between the car insurance that is offered to a man and the car insurance that is offered to a woman. What people don’t understand is that the answer to this question varies from one place to another and from one insurance company to another insurance company. Many insurance companies in different cities and states have different policies, rules and regulations. What happens is that it is not only the gender specification that affects the pricing and cost of the car insurance but the type of car and driving technique too.

It is seen in many places and many insurance companies that there is no difference between the car insurance that is offered to a man and woman by an insurance company. Although equality is considered to be good, there is such a thing as too much equality and that can leave an insurance company in loss. In many insurance companies, the car insurance in Houston that women are offered is way cheaper than the car insurance that the men are offered. That is not because of the gender specification but for different reasons for such as the fact that women drive a car with better care and affection than men. This mean that women are more caring when it comes to cars and the fact that whenever a woman buys car insurance, it is often seen that the car they insure isn’t a luxury car but a simple, yet graceful one. Men, on the other hand, are rougher on the road and are seen to have more accidents as compared to women. This is why men have to pay more insurance costs than women.

The insurance premiums however, are a totally different case. Houston car insurance premiums that men pay are often seen to be lower than women because men, when motivated can do anything. This means that if they are motivated to save money from their insurance premiums, they can certainly do it. Men tend to go through a lot in one year to decrease their insurance premiums and succeed whereas women don’t and end up buying a new, better car instead. That is the reason why a woman is seen to get a higher insurance premium than a man.

All in all, it is okay to say that there is a difference between the car insurance in Houston that men and women are offered but the differences aren’t much. Men can work and be motivated to have lower insurance premiums than women and can. There is no difference in the policies that men and women are offered. The only difference is of the cost and the price of the insurance.

If you want to compare Houston auto insurance quotes, simply enter your ZIP code in the box located at the top of this page and leave the rest to us.


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!