Shopping for the Best Auto Insurance in Texas

Published by:

Shopping for a new auto insurance policy can help you to save money on highly beneficial coverage, but with so many auto insurance companies providing Texas drivers with coverage, you may be overwhelmed by the thought of trying to find the best deal on your coverage. More than that, you may find insurance confusing and may worry about making the right decisions about your coverage. By following a few tips, you can more easily narrow down your options as you get your auto insurance quotes.

Your Requirements for Coverage
Before you request an auto insurance quote, it is important to be aware of auto insurance requirements that may impact your buying decision. State law requires all drivers to maintain a minimum liability policy that is called a 30/60/25 policy. This includes $30,000 coverage per injured person, $60,000 total per accident and $25,000 per accident for property damage. You may face fines and other punishments if you do not maintain this minimum amount of coverage. In Texas, you are financially responsible for any damages that you cause while operating a vehicle, and liability coverage will help you to pay for those expenses. This coverage only pays for other parties’ expenses. You may also have another auto insurance requirement to comply with. Your auto lender may also require you to maintain at least a minimum amount of collision coverage, and this typically is coverage for up to the replacement value of the car. This coverage will pay for vehicle repairs if you are involved in a collision.

Other Options for Coverage
While you may have these requirements in place, many drivers opt to purchase additional coverage, and you may want to get an insurance quote on the full amount of coverage that would benefit you. For example, a collision policy does not cover all types of losses. It will cover car accidents, but it will not usually cover weather-related damage, theft, fire and other types of events. A comprehensive policy is usually optional coverage, but it is far more inclusive. You may also add personal injury, personal property, towing service, roadside assistance, rental car reimbursement and many other types of coverage to your policy. In addition, when you request an insurance quote, you can also increase the minimum required coverage amounts. Some drivers do not believe that the state’s requirement of 30/60/25 liability is enough, and they may purchase more coverage.

Your Deductible Options
When you request an auto insurance quote, you also will have the option of specifying what deductible you want. Your deductible is the amount you pay when you file a claim, so you should be able to afford to pay the deductible amount you select with little or no notice. A smart idea is to ensure that you have an amount equivalent to your deductible available in your savings account or rainy day fund. A standard deductible amount for Texas auto insurance is $500. If you do not specify an amount when requesting an auto insurance quote, the insurance company will typically give you a quote based on a $500 deductible. When you adjust the deductible, you will notice that the the premium in your insurance quote changes. Increasing the deductible will make the premium decrease while lowering the deductible increases the premium. In most cases, the deductible will remain between a range of $250 and $1,000.

Easy Ways to Shop for Coverage
When you request an insurance quote, be sure that you are requesting the same coverage from all providers. This will make it easier for you to determine which is the best deal. Determine up-front how much coverage you want before asking for an insurance quote. Rather than contacting each insurance company separately to request an insurance quote, consider using an online quote generation site or even the services of an insurance broker. These are faster and easier ways to request quote. Then, you simply have to find the insurance quote with the best rates.


Find the Cheapest Texas Homeowners Insurance

Published by:

Texas is the second most populous state in the nation and it places third for the highest homeowners insurance rates, according to www.TexasQuotes.com. The national average is under $900 while the Texas statewide average is over $1600. This proves one thing: everything is bigger in Texas. There is also a large disparity between the different cities Texans call home. For example, El Paso residents pay 50 percent less than the state average while Needville residents pay over $2500. With such high premiums, Texans are forced to find every discount possible.

A major contributor to the high premiums are hailstorms. The TDI reported that nearly $10.5 billion worth of hailstorm claims were paid out between the years of 1999 and 2011, which is the most of any category. In addition, there were over 320,000 hail claims between the years of 2010 and 2012, which doubles all other states. With that being said, Texans still deserve to find affordable homeowners insurance.

Cities with the Cheapest Rates in Texas

Cities with the most affordable homeowners insurance rates are dispersed throughout the state, however, because of tropical storms, the cheapest cities tend to be far from the Gulf of Mexico, and tornado activity makes the northern cities more expensive. Here are the top five cheapest cities in Texas for homeowners insurance:

  1. El Paso $824
  2. Round Rock $920
  3. San Marcos $962
  4. Taylor $986
  5. College Station $1019

Affording Health Insurance

Published by:

Obtaining and maintaining health insurance is pivotal. Even if you have always been in perfect health, you never know when your condition could change or when you could become the victim of an accident. Yet when you look at the cost of health insurance, you may shirk away. Instead of opening yourself up to the possibility of serious medical bills, consider these strategies for affording health insurance. Understand Its Value by visiting https://www.texasquotes.com, they can give you a free health insurance quote.
While you are looking at your household budget, you may feel as though you don’t have the room to include health insurance in there. However, think about what would happen if you were rushed to the emergency room or if you fell victim to a serious illness. You could end up at the hospital for days, weeks or even months, and the bills could rack up while you are there. A situation such as this one could occur at any time and without any notice. As a result, you may be left with huge bills that you cannot afford; however, if you had health insurance, those bills could be lower or non-existent.Find Affordable Deductibles
When you have a health insurance plan, you also generally have deductibles. The deductible is the amount of money that you are responsible for. Let’s say that you visit your primary care doctor, and your insurance plan comes with a $25 deductible. That means you need to pay $25 to visit the doctor, but the health insurance company will take care of the rest. These deductibles often vary by the type of doctor and care you required. For example, the primary doctor may be $25, but it could cost more if you go to a specialist or to the emergency room.Look to Your Employer
You do not necessarily need to cover the entire cost of your health care insurance in Texas by yourself. Instead, you can speak to your employer to find out what types of plans are available if you have not already done so. In the event that you are unhappy with your current plan, you should talk to your employer about other possible plans that are available. Doing so can introduce you to options that are friendlier to your budget. Furthermore, find out what it costs to have a family plan to get your partner and children covered as well. Employees may pay for part of the plan. If your job does not offer insurance, you can try to negotiate to get it, or you may need to begin looking around for another job.

Search for Assistance
Perhaps none of these options work for you, or maybe you do not have the funds to support one of these plans. You should find out if federal, state or local assistance is available for you in Texas. Consider going to a social worker or speaking with a specialist at a health care clinic who can point you in the right direction. You may need to enroll in a program that is specifically developed for people who have little to no income or who cannot afford health care for other reasons. You should also look into programs developed specifically for individuals with any conditions or disabilities that you might have. Help is out there when it comes to health insurance in Texas; you just need to know where to look for. You can also seek guidance at your religious house of worship. The staff there may have resources that you can consult for assistance.

Health insurance may seem like a prodigious bill, but know that certain techniques can help you to obtain the coverage that you need.