Cheapest Auto Insurance
Houston, Texas

How to find the Cheapest Car Insurance in Houston, Texas

Car insurance rates in Houston are among the highest priced in all of Texas. Houston is 4th the largest city in America and seems to be growing at a fast pace along with the state of Texas as a whole. Houston has a population of 2,359,480. Houston car insurance prices have been consistently rising year after year. Many insurance companies do not price their rates very well in Texas and some don’t even write business there. Houston has notoriously produced high loss ratios for insurance companies compared to other parts of the state. Heavy Traffic, Insurance Fraud, uninsured motorist claims are three of the main reasons why auto insurance rates are so high. But thankfully here at Cheapest Auto Insurance we have finally made Houston auto Insurance affordable for all drivers. With Houston being right in the middle of Texas, hail storms and tornados can cause auto insurance companies to be at great risk of paying out large amounts of money on claims due to these natural disasters, especially for auto insurance companies who have a large book of full coverage insurance on their books of. A good way to find affordable car insurance in Houston is to have a safe driving record for three years and a good insurance history. We have found these are two key factors that automobile insurance companies look at when setting their monthly rates. Many things are out of the customer’s hands when it comes to car insurance rates but these are two things as a customer that you can control.

Why You Need Auto Insurance

There are more than 3.2 million vehicle registrations in Harris County, and in 2018, the county recorded more than 107,000 crashes. However, an estimated 15% of cars do not have insurance. You can’t fix mistakes made by other drivers, but you can look out for yourself. It’s easy to see how much of a favor you will do for yourself by having an auto insurance policy in place. If your vehicle experiences damage of any kind, car insurance is supposed to help you pay for the costs of your recovery. All accidents cost money, and the right policy can help you lessen the financial ramifications. 

Cheap automobile insurance for good drivers in Houston

If you are a safe driver looking for cheap car insurance in Houston here are a few insurance companies that can help you:

One tip to finding cheap car insurance quotes is requesting all the discounts you qualify for. Not all car insurance companies offer the discounts at the beginning of the quote so here are a few discounts to ask for:

Car insurance rates in Houston vary based on a few factors and is contingent up on the coverages that you ask for. The average liability car insurance rate for an adult in Houston with no previous insurance history is about $86 monthly. This is the highest average in the state of Texas. Here are a few key factors auto insurance companies look at when setting rates:

Not all auto insurance companies use credit as a primary rating factor. Most nonstandard auto insurance companies do not use credit as a rating factor. A nonstandard insurance company specializes in providing automobile insurance for customers with a bad driving record and no previous insurance. Here are a few nonstandard auto insurance companies in Houston:

Most of these nonstandard auto insurance companies offer state minimum limits of liability which is 30/60/25. If you are needing higher limits of liability for instance 50/100/50 it may be in your best interest to request a quote from a Preferred Insurance broker. Here are examples of a few Preferred Insurance companies for you in Houston:

How to lower your automobile insurance 

Taking advantage of all discounts that are available is one of the better ways to lower your car insurance premiums. It helps to set up your billing on EFT and on Paperless billing, this can lower your monthly rate up to 10%. Some auto insurance companies offer a 7-10% discount for taking a defensive driving course. Houston car insurance is expensive, so try to take advantage every chance you get to save money on your monthly premiums. Also, be sure to shop around at your renewal to make sure your current insurance carrier is still the best fit for you and your family. Try to keep an even number of cars and drivers on your policy. Auto insurance companies like this because it appears as that you have disclosed all the people driving your vehicles. Undisclosed drivers cost auto insurance companies millions of dollars each year by having accidents. Insurance companies want to be able to underwrite all drivers driving your vehicle to provide you with the proper monthly rate.

Non owner's insurance in Houston

Non owner's insurance is a type of insurance policy for someone who needs auto insurance but does not own an automobile yet. Non owner's insurance is cheaper than normal liability insurance by about 30%. Not all insurance carriers in Houston offer non owners insurance policies. But here at Cheapest Auto Insurance we can help you find cheap non owners' insurance in Houston no matter your driving record, here are a few auto insurance brokers we found that offer this coverage:

If you have a suspended driver’s license and you don’t own a vehicle yet but need an SR22 you can purchase a non-owners SR22 policy from several auto insurance companies in Houston, here are a few that we found who offer this regardless if you have a license or not:

Cheapest Auto Insurance can help you get insurance whether you own a vehicle or not. Even if you don’t have a driver’s license yet, we can help you get affordable insurance in Houston. For the cheapest auto insurance quote in Houston click here and start saving money today!

How to find full coverage auto insurance in Houston

Full coverage insurance rates in Houston are the highest in the state of Texas and among the highest in the country. It really helps to keep full coverage insurance costs down by keeping a good driving record and continuous insurance. Full coverage usually costs about twice as much as liability only insurance does. Full coverage insurance is mandatory to have if your car has a loan on it. Most of the car dealerships in Houston require you to carry full coverage insurance before you leave the lot unless you do not finance the vehicle. Many lienholders will require a $500 deductible before you can leave the car lot. The higher the deductible is the lower your monthly insurance costs are and vice versa with a lower deductible. Here are some auto insurance companies that sell full coverage insurance in Houston:

It is important to know the deductible you need before getting an insurance quote for full coverage. Here are your options of deductibles to choose from:

Here are a few auto insurance brokers in Houston that we found for you:

As far as online auto insurance quote comparison websites there are several choices for you to choose from. One thing to watch for is some of these sites can sell information to insurance brokers which could result in receiving a large number of calls attempting to give you an insurance quote. So, if you are using one of these sites to search for insurance rates be sure you are serious about it because nobody wants a lot of unwanted phone calls. Here are a few examples of an online quote comparison sites:

How to find affordable car insurance in Houston with a bad driving record?

Finding affordable auto insurance with a bad driving record can be a tough thing to do. We have a few tips to help you achieve this. Try to find an insurance company that is best for your current situation and phase of life you are in. For example, if you do have tickets and accidents you may want to contact a nonstandard auto insurance company. This is an auto insurance broker that works with many insurance carriers to find the best price. They usually have access to insurance companies that are more forgiving of tickets and claims. Here are a few auto insurance carriers that provide cheap insurance for Houston drivers:

While receiving auto insurance quotes be sure to tell the company about all of the tickets and accidents you have in the past three years. Many insurance companies do not run your driving record on the initial quote itself, most wait until you are ready to buy the policy then run your driving record after point of sale. This is why it is important to disclose your driving record upfront so the insurance quote will be accurate so you don’t have unexpected higher bills in the future.

One month auto insurance can be a good policy for someone who has a bad driving record because it offers a more flexible payment plan and not a long-term commitment, this also can be called a “month to month insurance” policy.

How to find cheap liability insurance in Houston?

To find the cheap liability insurance in Houston you can request liability only car insurance with 30/60/25 limits of liability which is the minimum in the state of Texas.  This policy will only cover the damages done to a third party; it will not cover your vehicle. If you want your vehicle covered you would need to purchase full coverage insurance which costs about twice as much on your monthly rate compared to liability only. Liability insurance is also expensive in Houston compared to other areas of Texas. Your age and driving record are a big factor in your auto insurance prices for liability coverage. Here are a few options of liability limits that you can choose from in Houston:

Our lives are always changing and so is our coverage needs for our auto insurance policy. It is important to contact your insurance company or auto insurance broker on an annual basis to go over your policy with them. Here are a few things to mention to your company or broker to make sure you are still covered correctly:

Cheapest Auto Insurance strives to make sure all customers have the time and attention they need from us to be sure they have the coverage they need. Call or text one of our experienced agents to review your coverage today!

New to Cheapest Auto Insurance?

Here at Cheapest Auto Insurance we want to be sure that all your insurance needs are met. We make it quick and simple for you to get a quote whatever your current situation is. Whether you need basic liability auto insurance, full coverage, or maybe you don't have an active Oklahoma driver's license we have insurance professionals who are ready to help you get what you need call us at 713-237-0904 to get a free quote or to get a quote online click here!