Houston Texas Car Insurance

Houston Texas Car Insurance

Insurance rates in the city of Houston, Texas, are higher than elsewhere in the state of Texas and Texas is overall the fourth most expensive place to purchase car insurance.

Houston is home to over 2 million people according to the Department of Transportation Federal Highway Administration’s count, which determined the average driver travels 36 miles daily. This count is in dispute based upon the numbers obtained by the 2006 Census, which puts the average daily commute at 23 miles. The disputed distance is not recognized, making the 36 miles daily average the highest daily commute in the country.

Insurance companies base their rates on the statistics gathered for an area that includes information on where you garage your car and how far you commute. Based on 36 miles a day, area rates are based on a 10,000 mile per year rate, not counting recreational driving.

If you do not travel the average distance daily in your commute, let your car insurance company know this when you compare auto insurance quotes, you may pay less for driving less miles.

The minimum requirements for insurance in the Houston area are the same as the state of Texas. You are required to carry 30/60/25 in liability coverage. That is $30,000 per person and $60,000 per incident maximum in personal injury and $25,000 per incident in property damage.

In order to cut congestion on the roadways and reduce the amount of damages and injuries due to accidents, the Houston area and Harris County, Texas have teamed up to create TranStar, a roadway management and monitoring system.

By monitoring the roadways, the closed circuit television system can alert local law enforcement to problems and lessen the chance of serious accidents. This system monitors for both accidents and weather related problems and focuses on advanced warning and driver notification.

This safety system will help to bring down the costs of accident statistics in this sprawling city, which will bring down the costs of insurance for drivers who make Houston home.

Houston still has to contend with the cost of emergency services in the Houston area. A city council meeting did not allow the mayor to raise the rates of emergency ambulance services in Houston in 2010, but that does not mean that the idea is dead. The doubling of the fees for ambulance services could take the price to over $800. If you are carrying the minimum personal injury insurance on your policy, you might find yourself with large medical bills in a hurry.

Houston reports that over 87 percent of the car crashes are attributed to men with a speed of 60 miles per hour. The average cost of insurance in Houston is 37 percent higher than the rest of the state of Texas.

Saving money on your car insurance might be hard if you live in Houston, but things like TranStar will help to bring rates down in the end. By comparing auto insurance quotes, you will have done the best you can to get a lower insurance premium, even if you are male and live in Houston.