Shopping for auto insurance is much like shopping for any other major product

Shopping for auto insurance is much like shopping for any other major product or appliance. You’ll want to focus in on the very best price, a quality product or service and good customer service. Generally, most auto insurance companies sell the same product or insurance coverage like liability, comprehensive, collision, medical, personal injury, under insured, uninsured, rental and towing coverage. Since, they all sell the same types of insurance coverage; you can be assured you’ll find what you need. However, when shopping for auto insurance, you need to focus on the companies stability, their customer service and prices.

Auto Insurance Companies

If you’ve just moved to a new state like Texas or are sick and tired of getting the run around from your old auto insurance company, it may be time to find a new auto insurance company. Don’t assume all insurance companies are the same, because they are not. Be sure to get insurance from a trustworthy source such as

Look for companies that have a solid work history and have been in business for several years. Using the Internet to find the car insurance Texas companies has certainly made it much easier. However, you need to be aware of fraudulent companies, those with poor business ratings and companies that are just out to take your money.

Using websites for auto insurance quotes is a great way to get a quick overview of today’s rates. Just make sure you research any companies you’re seriously considering with the Better Business Bureau, and check their financial strength rating at Standard & Poor’s Rating Services. Avoid signing up with companies that have poor BBB ratings or those that don’t look financially stable.

Besides using insurance quote sites, the BBB and checking the financial strength of a company, you might check around with your co-workers, relative or friends to see what company they are using and why.

Customer Service

Auto insurance companies can promise you the world when it comes to providing coverage. However, until you meet an agent in person, research, make a claim or have a problem, you may not know what kind of customer service you’re getting.

• When researching companies, make sure they offer 24/7 customer service. Accidents happen any time or day of the week and you need this support.

• If possible, don’t sign up with a company until you meet the insurance agent in person. You want an agent that’s professional, sharp and capable.

• Research auto insurance reviews online before writing your check. You may find both positive and negative experiences that help you to define the company’s values and whether they go out of their way to be helpful and provide excellent customer service.

Proper Auto Insurance Coverage

Even though your main priorities are the companies stability, customer service and prices, don’t forget to evaluate your coverage needs carefully. For example, if you just moved to Texas, you’ll need to make sure you comply with the Texas financial responsibilities laws. The basic liability coverage to drive in Texas is 30/60/25.

• $30,000 for each individual that’s injured.
• $60,000 for each accident.
• $25,000 for property damage for each accident.
• Required to carry proof of insurance.

Evaluate your insurance coverage needs yearly to determine if you can reduce coverage or need additional coverage due to lifestyle changes.


If you don’t shop around for price quotes on auto insurance, there is a very good chance you’ll be over paying for insurance coverage. Pay particular attention to potential discounts that may apply after 50 years of age, installing a security or camera system, an improved credit score or defensive driving courses for example.

Finding a reliable insurance company, quality customer service and great prices takes a little research and time. However, it’s well worth the effort to know you’re dealing with a quality company that will come through when you need them.

Cheap Auto Insurance for Teenagers

Once your child turns 15 years of age in Texas, he can apply for a learner’s permit to start learning how to drive. This is not only a momentous occasion for your child, but for you too. Deep inside you’re probably proud of him or her for learning how to drive. On the other hand, you may be terrified of what he’ll do to your auto insurance premium. Yes, you’ll probably have an increase in your premium. However, these tips might be just what you need to offset increased charges and ease the burden just a little!

Talk to Your Child About Safe Driving

The more your child learns about safe driving, the less you’ll have to be concerned about his safety, accidents, your automobile and an increase in your auto insurance premium.

• Discuss rules about driving, alcohol and drugs.

• Explain the importance of not using a cell phone while driving.

• Consider limiting the number of kids allowed in the car while driving.

• Teach your child to obey driving laws and provide an explanation.

• Before your child begins learning to drive, establish ground rules. Consider setting a time limit and driving restrictions like no driving on school nights after 10 pm.

• Monitor your child’s driving and correct him when he makes a mistake. Explain what he did wrong, why and how to correct the mistake.

The Best Car for Your Child

• New vehicles cost more to insure than older cars.

• Newer cars do have more safety devices like air bags than older models.

• Auto insurance is less on older vehicles because they cost less to repair.

• Sports cars may encourage a teen to drive faster and recklessly.

• Sports cars typically cost more to insure because of expensive repairs.

• Overall, older cars offer more protection to drivers and passengers in an accident.

• Older sedans cost less to purchase than new cars, they are heavier and can withstand the damages of an accident more than newer lightweight vehicles.

A New Auto Insurance Policy or Yours

You can add your teen to your existing auto insurance policy or buy a separate policy just for him. However, most of the time, the cheapest route is to add him to your policy. Get an insurance policy from your local Texas insurance agent, here is one for you: <a href=””></a>.

Comparison Shop for Auto Insurance Deals

Before settling on one insurance carrier or automatically adding your child to your existing policy, consider comparison-shopping. There are several websites that allow you to comparison shop for auto insurance, which will give you an idea of the current rates and what to expect.

Teenage Discounts?

• Encouraging your child to keep his grades up could result in a discount from some insurers. Most insurers offer a discount for students with a grade point average of B or better.

• Enroll your child in a driver safety education class at school or online.
You’ll feel better about his driving abilities, and you may qualify for a discount.

Look for Auto Insurance Discounts

• After some time, your teen may qualify for a good driver discount if he has no accidents or violations.

• Adding additional safety features to a vehicle could reduce premiums.

• Consider bundling packages for auto and home insurance to reduce premiums.

Increasing the Auto Insurance Deductible

If adding your child to your insurance in Texas makes your premium unaffordable, consider increasing your deductible to reduce your premium amount.

The best thing you can do to prepare your child for driving, is to answer his questions about driving, help him to understand the rules of the road and encourage good driving habits. Getting auto insurance for your child will be an additional expense. However, driving an older model vehicle, maintaining good grades and taking a driver education course could make a difference.

How To Get Good Homeowners Insurance In Houston

There are many excellent companies offering the homeowners insurance Houston residents need. Houston, Texas is a major insurance market. A wide range of insurance companies do business there. There are so many large and small companies offer the great rates on homeowner insurance Houston residents want that deciding which one to choose can be difficult. Houston homeowners often must decide if they want a policy from a large, well-known, national company, or if they’re simply looking for the most comprehensive coverage at the lowest price. Either way, Houston homeowners have some very good options,they van visit All they require is a clear understanding of the type of coverage they need.

Talk To An Experienced Insurance Agent

The information on the homeowners insurance Houston residents need is readily available if they talk to an experienced insurance agent that’s familiar with the Houston market. Purchasing a home in any city presents unique challenges. In some cities, floods, storms, landslides, or other natural disasters are something homeowners must make sure their homeowners insurance covers. In other cities, break-ins, vandalism, and other crimes are a major concern. An experienced insurance agent can educate you on the specific challenges Houston homeowners face and the type of insurance coverage homeowners should make sure is in their policies.

Do Some research

Some of the pertinent facts about homeowners insurance Houston homebuyers require can be found if they do some research. The internet is a great tool to use to find information on crime statistics, the frequency and intensity of inclement weather and natural disasters in the region, arson, break-ins, and other property crimes, and any other type of information they need to understand the type of homeowners insurance Houston homes require. Talking to family members and friends living in Houston can also help. The police, disaster relief organizations, and state and local government agencies can provide valuable information as well.

Research Rates And Coverages

Whether it is your first or twenty-first time trying to insure your home, you should make an effort to find the most comprehensive and affordable homeowners insurance Houston, Texas has to offer. The average person simply signs up with the first company they see, or they re-sign with the company they’ve been using for years. But the cost, coverage offered, and coverage needs for homes change over time. Sometimes the entrance of a new insurance company into the market or a new threat in the area can cause the homeowners insurance Houston residents need or can have to change. Call around, check the internet, and ask a few questions before you purchase or renew your homeowners insurance.

Buyer Beware

When people are buying homes in Houston, a home disclosure report is one of the things they should get from their agent or the agent for the seller. It contains a list of the problems the home has had in the past. Things like water or structural damage can drive up the cost of the homeowners insurance Houston homeowners are required to purchase. In some cases insurance companies may even deny coverage because of pre-existing conditions related to the home. Buyers should also get a Comprehensive Loss Underwriting Exchange (CLUE) report. This shows the list of claims that have been filed on the home by previous owners. Those claims can sometimes impact the home’s insurability.

Your Credit Standing

One’s credit report also impacts the cost and type of homeowners insurance Houston homeowners can qualify for. Bad credit can make the affordable homeowners insurance Houston homeowners want impossible for them to get. Therefore it’s important to maintain good credit and also make time to check one’s credit report periodically. Mistakes on the credit report can end up costing money when its time to purchase homeowners insurance. Have mistakes removed from your credit report as soon as you see them. Insurance companies see bad credit reports as a predictor of potential losses in the future and may charge applicants higher rates or deny them coverage.

Check Your Policy

It’s essential people check over their insurance policies periodically. Over time many homes increase in value. If a home’s value has increased significantly but the coverage amount on the policy hasn’t, there could be a major problem should disaster strike and the homeowner needs to have their home rebuilt. Also, some policies for homeowners insurance Houston residents bought several years ago had language which provided for guaranteed home replacement. However, many companies have reduced the payouts or eliminated this provision without making the homeowner aware. Check your policy. Don’t wait until you need home replacement to find out you don’t have it.

Houston homeowners must have homeowners insurance. Homeowners must pay close attention to it. Companies change prices and coverage, drop homeowners, or deny them coverage. To avoid nasty surprises, read your policy carefully and choose a consumer-friendly insurance company.

Auto Insurance Rates in Texas on the Climb

There are a number of different variables that can impact the cost of auto insurance, and one of the consistent variables is the cost of repairing vehicles in the coverage area. According to a recent study analyzing premiums in the country, Texas is ranked number 17 in the United States as far as insurance premiums are concerned. Based on the information produced by the study, the rising cost of auto repairs is one of the primary causes in the rise of auto insurance in the state of Texas. You can get a great deal on your next insurance policy by visiting


The study, conducting by the National Association of Insurance Commissioners, reveals that the price of collision coverage — the component of the insurance coverage that is designated to pay for repairs after an accident — has been climbing in Texas for several years, and it is now ranked among the top 10 highest collision premiums in the nation.


When it comes to liability coverage, which has been the focus of advocates of laws that limit liability lawsuits — the state ranks 20th.


On average, motorists in the state of Texas pay $1,449 per year in auto insurance premiums, which is well above the national average of $1,101. Currently, Michigan has the highest insurance premiums at $2,476 per year. At present, 41 of the 50 states and the District of Columbia now have premiums that are over $1.000.


While the insurance rates continue to rise, there are some things that Texas drivers can do to lower the cost of their insurance. Although, they cannot control the cost of repairs, which is the key factor in the rising cost of insurance in Texas, drivers can significantly impact the cost of the liability element of their insurance policy. Liability is the one required auto insurance elements for all drivers. One way that drivers can lower the cost of the liability element of their auto insurance is by maintaining a clean driving record. Every violation that is added to a person’s driving record will serve to increase the cost of the auto insurance.


Drivers can also reduce the cost of their liability coverage by taking a certified defensive driving class on an annual basis. Additionally, many auto insurance companies will offer discounts for vehicles with theft detection and deterrent systems, so installing an electronic car alarm can also help to reduce the cost of auto insurance in Texas.


For individuals who are in the market for a new car, the car that is purchased will pay a significant role in determining the cost of auto insurance, because the value of the car will impact the value of the repairs.


When asked about the increasing cost of auto insurance in Texas, and across the U.S., an industry spokesman attributed the significant cost of collision coverage to the high percentage of uninsured motorist in Texas, as well as the increased prices charged by body and repair shops. The spikes in pricing are happening primarily in metropolitan areas like Dallas and Houston. There has also been a rising cost in auto parts, which has had a substantial impact on the overall cost of auto repairs, which has subsequently increased the cost of collision coverage and auto insurance in general. The cost of auto insurance in Texas has been creeping up for a number of years. Just five years ago, Texas was ranked in the middle of the pack as far as states go, and now it is in the 17th spot. Whether Texas will climb higher or not is yet to be seen. While the cost of auto insurance in Texas is still on the rise, all of the states in front of Texas are struggling with the same cost issues, so it is possible that Texas may not advance much further as far as ranking is concerned.