There is a lot of information to digest before you decide on how best to insure your car or truck. If you’ve made it to this page, then it is because you are looking to make an informed choice, and that’s a great start.
Obviously, car insurance is expensive, so the more work you can put into finding the best deal, the better. On average, the average Texan spent just over $1,000 last year insuring their automobile, and the average Houstonian spend close to $1,200, so it certainly isn’t a decision to be made lightly.
One of the first, and most basic things, to think about when you are shopping for coverage is how you are going to structure your payments. It may come as a surprise to learn that you can save money by paying for a longer period of time up front. That is, if you are willing to pay for six months of coverage, as opposed to going month-to-month, then you are likely to receive a better rate.
And the discount is even better if you can afford to pay for an entire year’s worth of coverage. The savings aren’t often massive, but they are large enough for you to feel it in your wallet. For example, if your monthly rate is $110, an insurance company might be willing to sell you six months of coverage for $600, or a years worth of coverage for $1,150.
With the economy being where it’s at, this might not be an option right now for a lot of people, but it is something to think about if you are in a good financial position.
Beyond simple payment structuring, there are quite a few other factors that determine how much you might have to pay for car insurance in Houston.
One of the biggest ones is age. Unfortunately, you can’t do anything about this one, but how old you are makes a big difference. Older drivers get in far fewer accidents, and therefore, have a much lighter insurance responsibility.
Same goes for gender in terms of not being able to do anything about it — women tend to be much less aggressive on the roads and get in fewer accidents, and pay less for insurance as a result. Marital status, however, is something that can be chosen. Married people, presumably, spend less time driving around at night (when most collisions happen) going on dates and such, and are charged less for insurance than their single counterparts. Similarly, the number of miles you put on your car each year dramatically impacts your insurance costs. People who drive 8,000 miles per year are going to spend much less to insure their cars than people who drive 80,000.