Houston Car Insurance (TX)

Houston car insurance premiums are higher than any insurance premiums paid throughout the state of Texas, mostly due to the large number of accidents.  In fact in 2004, the Houston Chronicle reported Houston’s traffic accident rate as 2.5 times the national average.  One of the most dangerous areas in Houston is along the Main Street corridor, with the number of collisions averaging 7.3 daily.  Also occurring along the Main Street corridor are a higher than average number of accidents between the 7.5 mile light rail train and cars, mostly caused by drivers making illegal left hand turns or ignoring red lights.  The number of car and train accidents in Houston, according to the Federal Transit Administration, is 25 times the national average for light rail systems.

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The large number of car thefts is also a deciding factor for Houston’s above average auto insurance premiums.  In the year 2005, there were over 30,000 stolen cars reported from the Houston area.  Most commonly stolen vehicles include the 1994 Chevrolet Full Size C/K 3500 Pickup Truck, 2004 Chevrolet Trailblazer, the 1995 Ford Thunderbird, 1999 Izuzu Rodeo, and the 2002 Toyota Tacoma.

Ways to Save on Houston Car Insurance

If you can manage to avoid hitting the train while driving on Main Street, and keep your car locked in a garage to avoid theft, you’ll help keep your car insurance premiums at a more affordable level.  You can also participate in one of the various driver-training programs, such as Defensive Driving, and experience a 10% reduction in car insurance rates over a three-year period.

When selecting your car insurance provider, keep in mind that sometimes the lowest possible price is not always your best option.  You want to be sure you have enough insurance to cover you in the event of an accident, and have an insurance company that offers good customer service.

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