Finding good car insurance Online today is not that difficult. Most of the major car insurance companies are online including places like Progressive and Esurance where you can actually buy an insurance policy without really speaking to someone. Is this ideal for you? That is up to you. One thing for certain though is that if you are going to buy car insurance in Houston is to compare multiple companies before you make any decisions.
If you live in Houston Texas you should know that car insurance is slightly higher when compared to the rest of the state. Texas in general is more expensive compare to other states as well.
Individual Bodily Injury Liability:
This is the maximum amount that your auto insurance provider will pay for an individual person injured in an accident. National minimums range from $10,000 to $50,000. Texas’s BIL minimum is $20,000.
Bodily Injury Liability:
This is the amount that your car insurance company will pay in total for every person injured in an auto accident. Minimums can range from $20,000 to $100,000. Texas’s total minimum is $40,000.
Property Damage Liability:
This is the maximum amount that your auto insurance provider will on property damage that was caused by an accident. This includes all physical damage such as vehicle damage, as well as damage to telephone poles. It will also include any other non-medical expenses caused by the auto accident. National minimums range from $5,000 to $25,000. Texas’s minimum is $15,000.
Even though the minimum insurance requirements in Houston, Texas are 20/40/15, it’s important to consider purchasing more than the bare minimum. With so many cars on the road worth $50,000 or more, it doesn’t take much for a car accident to produce tens of thousands of dollars in damage. The same goes for Bodily Injury Liability requirements.