Houston Car Insurance

Houston, commonly known as Space City, USA, is home to more than 2 million people. This makes it the fourth most populated city in the United States. It's also the fourth largest city in the country by land area.

For those Houston residents who live and work in the city, the average commute time is just over 25 minutes. This puts the city in 5th place in the country for the most traffic congestion. Collectively, more than 123,500 hours are spent just sitting in traffic every year, which breaks down to about 33 hours for every driver. This costs taxpayers more than $2,178,000, with drivers each paying more than $586 each in extra costs associated with the upkeep of their automobile.

All this time spent on the road means more accidents and theft. More than 670 people lost their lives in car accidents in Houston over a two year period. More than 30,200 people lost their vehicles to theft, putting the city in 37th place in 2005 for the most car thefts of any city in America.

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Car Insurance Policies in Houston, TX

Texas requires that all its drivers purchase enough car insurance to cover the costs of any accidents they cause. They require everyone to have two types of insurance:

Liability Insurance - 20/40/15 or a minimum of $20,000 worth of coverage per injured person up to $40,000 per accident plus $15,000 for property damage.
Uninsured Motorist Insurance Coverage

These are just the bare minimums, however. Consider purchasing more if:

You are uncomfortable with these low amounts.
Your car is more expensive.

Car accidents can be costly and so is the damage they cause to both person and property, not to mention the possible legal costs incurred if you're sued for damages. It is prudent to purchase a little extra coverage now so that you are covered in the event of an accident.
Ignore these minimum requirements, however, and prepare to pay should you be caught. Texas writes tickets for $175 to $350 for first time offenders and up to $1,000 combined with driver's license suspension and car impoundment for multiple offenses.

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Texas Dept. of Public Safety (licensing)
4545 Dacoma
Houston, TX 77092-8613
Tel.: (713) 683-0541

Vehicle Title and Registration Division's Beaumont Regional Office
4245 Cardinal Dr.
Beaumont, TX 77705-4407
Tel.: (409) 842-5875

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