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A Few Questions to Ask Yourself When Searching for Houston Car Insurance

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A Few Questions to Ask Yourself When Searching for Houston Car Insurance

Casey Hunt
November 15, 2009

Casey Hunt

What requirements for insurance are an absolute necessity to operate a motor vehicle on roadways in and around Houston, Texas? Can a person who has a net worth of fifty-million dollars drive without the need for car insurance? What is tort and how does it affect me? How can I lower the cost of insuring a vehicle in Houston?

These are just a few of the questions you might be having regarding your car insurance in Houston, Texas.

First, what are the requirements? If you own an automobile, you have to be able to insure it to cover for three distinctly different types of injury. Personal, property and bodily injury. The State of Texas has established a minimum insurance coverage amount for each of these. Further, if you are in the process of buying a vehicle, you have to be able to cover the amount it would take to replace the vehicle if you are involved in an accident. There are different types of coverages available and all have varying amounts of car insurance coverage.

What is the concept of tort and how does it affect me? Tort is a legal term in which a person or persons can bring about a lawsuit if it is deemed person caused an injury out of sheer negligence. For example, if you pull out in front of a car and then suddenly stop, you are at fault if anything happens. When you have car insurance on a Houston vehicle, the insurance covers damages arising out of these types of situations. If you are found to be at-fault in an accident, and you're not sufficiently insured, the others involved in the accident can sue you and possibly have you pay monetary amounts. You could be responsible for this debt up to and even after you have retired. You can even be forced to sell everything you have accumulated to help settle the debt.

So, how can a person insure a Houston vehicle to protect its value, ensure that you've got the minimum car insurance requirements covered, and still get a payment amount that is easy to live with?

First, never let your insurance lapse. Let's say you have a vehicle in your garage that you don't intend to drive on the road. Take the time to ensure that it's unregistered as a vehicle for public road usage. If you intend to make it roadworthy, consider insuring it against fire and theft while you're fixing it up. If the vehicle is your daily-driver, make sure you keep your car insurance up-to-date. It's also a good idea to see if you can get a discount for paying the premium in-full.

Next, check your credit record. A lower-than-average credit score and negatively affect your rate with some car insurance companies.

After checking your credit score, check your driving record. You can get a copy, for a fee, from the Texas Department of Transportation.

After you've done these things, it's time to start shopping for a Houston car insurance company and Spartan Insurance may be a good place to start. They'll give you the discounts you deserve and provide a very competitive rate that can save you money.

A leader in Houston Car Insurance, Spartan Insurance has been serving Houston drivers for nearly 40 years and offers discounts that really add up. A free, no-hassle quote can be had at http://www.spartaninsurance.com and there's no obligation to purchase. What do you have to lose?

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