Cruise through traffic in Houston with confidence thanks to quality Houston car insurance from HUB International. Whether you just relocated to The Bayou City or have been a proud resident of Houston for years, review your auto insurance to see if you’re missing any coverage. With your local HUB team, you may be able to reduce your premiums or increase your coverage.
Find Affordable Houston Car Insurance
Insurance quotes are highly personalized. Your provider takes several factors into account before offering you a premium. If you want to lower your premium, work with a HUB broker to see which factors most affect the cost of your Houston car insurance policy. Here are some common factors used to adjust your premium:
Number of vehicles
Type of vehicles
Annual miles driven
Age, location, and other demographics
Each factor is weighed carefully to determine the risk of drivers. A clean driving record can reduce your monthly premium, since it means you’re less likely to experience an accident than a driver with a record of speeding and other traffic violations.
If you’ve switched vehicles or made any dramatic changes in the annual number of miles you drive, talk to your HUB broker. We may be able to help you adjust your monthly premium based on your driving habits. We can also alter the types of coverage on your Houston car insurance policy to reduce your premium or improve the protection of your valuable vehicle.
Types of Coverage
Your Houston car insurance policy comes with a few different coverage options. Not all policies include all types of coverage, so work with us to find the ideal balance between low premiums and generous coverage. Here are the four basic coverage options to compare:
Property damage coverage deals with any costs related to items damaged when you’re found at fault. The other driver’s vehicle, buildings, and any other property that you may have damaged in an accident needs to be repaired at your expense, so use this coverage to pay for these costs. In situations when you’re not found to be at fault, your insurance can cover legal fees and the other motorist should cover property damage expenses for your vehicle.
Bodily injury coverage pays the medical bills and lost wages of individuals who may be injured in an accident in which you are at fault. If you’re in an accident and not found at fault, this policy feature covers your legal fees if you decide to sue for damages to you, your property, and any passengers.
Collision and comprehensive coverage are very similar policy features that often go hand in hand. Both are optional and are used to cover the costs of repairing your vehicle. Collision coverage deals with any damage that occurs from a collision or other accident while driving your vehicle. Comprehensive coverage protects your vehicle when you’re not driving, typically in the event of theft, falling objects or a fire.
Compare all four Houston car insurance coverage options to see what’s best for your vehicle. Newer vehicles are much more of an investment, so comprehensive and collision coverage are essential for protecting your investment. Older vehicles still require property damage and bodily injury coverage, but you may opt to remove collision and comprehensive coverage to reduce your monthly premium. You can also increase the deductible to lower your monthly payment.
Work with HUB International
Work with a local leader in Houston car insurance. Explore affordable premiums and generous coverage options for your Houston car insurance today.