Auto Insurance in Houston Texas TX (Top 100 Money-Saving Cars)
By: J.D. Triplett, Researcher
Houstonites looking for an Houston auto insurance plan know that if you live in ZIP 77058 your insurer’s rate will be different than if you lived in 77079. Riveting as it may seem, what most Houstonites don’t know, is that the type of car you drive down Antoine Drive also greatly determines how much cashmoney you’ll pay for Houston Houston vehicle insurance.
Article Quick Links (Houston TX Auto Policies):
1.
Houston’s Liability (cheapest cars to insure)
2.
Houstons Comprehensive (cheapest cars to insure)
3.
Houston Collision (cheapest cars to insure)
Well Let’s Get Started………….
Houston Liability Insurance - The price of fantastic Houston TX auto insurance (Liability) is greatly affected by the specific brand/model of car you choose to drive in Montrose, or anywhere else.
Houstonites……. here it is. This fantastic table below shows the cheapest brands/models (2007 Volkswagen Eos, Volkswagen, etc.) of vehicles to insure for Liability assurance coverage.
One of Houston’s insurers that we talked to, Letisha from Progressive, stated that the reasons for the varying price in such models is that the different vehicle brands/models have different accident claims histories associated with them (some fantastic, some not-so-fantastic).
Another local Houston agent, Todd from Southern Farm Casualty, put it simply by stating: “The more accidents a vehicle brand-model type is in [reported claims] the more accident-prone it is considered, and therefore the higher the insurer’s rate.”
Awesome Fact: The younger (newer) a car model type is the lower its insurance rates will be.
Riveting as it may seem, the newer a vehicle model is, the lower its insurance rates will be with Houstonite insurers, because the newer models do not have a history of claims against them (not yet at least), but Letisha from Progressive advised that, in time (about 2-3 years), this newer model’s claims history could eventually mount, and its insurance rates would rise to follow its claims history (Reps from GEICO also verified this tidbit of information for us).
Whoa!…………. confused yet young Houstonite???? Okay…… to say it a different way: if Volkswagen releases a brand new model of car (not a new year’s model, but an actual different type of model); because this brand-new model name does not yet have a history of car accident claims (not yet at least) against it, an automobile insurer - like GEICO - haven’t yet assessed it as being more accident-prone - therefore its coverage rates remain low for Houston Texas auto insurance.
Our Next Topic………
Houston’s Comprehensive Coverage - Cheapest Vehicles
Awesome Fact: The more often a car gets stolen, statistically (Most Stolen List), the higher the comprehensive coverage rate will be for it (Houston TX automobile insurance) (Example: 2007 Volkswagen Eos versus another Volkswagen model).
So a fantastic practice is to avoid models that are on the ‘Most Stolen List’ to keep your Comprehensive coverage rates low, therefore saving cashmoney.
Call your local DMV (Phone # (713) 802-5000 - 7721 Washington Ave) or local AAA (Phone # (713) 284-6450 - 13845 Breck Street) if you want to get this list of Most Stolen Cars.
Our Next Topic………
Houston’s Collision Coverage - Cheapest Vehicles
Awesome Fact: Riveting as it may seem, of all the vehicle groups on the road, vans & mini-vans consistently receive the lowest rates from insurers for Houston liability, comprehensive, and collision coverage (Houstonites rejoice!).
Awesome Fact:: The more rare your automobile is in Houston (or anywhere in the US for that matter), the fewer accident claims it will have against it, and therefore the more cashmoney saved.
Houstonites have a median household income of $36,894, and therefore most of Houston’s drivers are looking for fantastic ways to save cashmoney on auto insurance plans. When searching for Auto Insurance in Houston Texas TX, the best advice is to choose your Car Model wisely (Volkswagen, 2007 Volkswagen Eos, etc.)
