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Compare Auto Insurance Quotes Texas

Click here to compare auto insurance quotes in Texas between multiple companies.

Compare – Auto Insurance Quotes (Click Here)

Though the Insurance Information Institute (III) likes to point out that the annual cost of auto insurance has been nearly flat in recent years — rising from $798 in 2011 to $815 in 2012, according to a December 2014 report from the National Association of Insurance Commissioners — the Bureau of Labor Statistics notes that the cost of insurance eats up 2% of the income in low-earning households. With “low-income” defined as households making less than $20,000 annually, that’s somewhat of a surprise, considering the average low-risk driver with a clean driving record for a policy with a $500 deductible for collision and a $100 deductible for comprehensive coverage pays $1,023 annually, according to AAA.

“In the decade prior to the release of the 2012 report, the typical U.S. driver’s auto insurance expenditures increased by 10% while their housing expenditures rose 29%, food costs grew by 21%, and out-of-pocket health care spending went up by 52%,” said Dr. Robert Hartwig, economist and president of the III. “All drivers—low-income and otherwise—benefit from a robust insurance marketplace where they can shop for the best policy at a competitive price, irrespective of how they pay for that vehicle.”

No, auto insurance isn’t as costly as other expenses, but it isn’t exactly pocket change, either. It also gets significantly costlier even if you commit comparatively minor infrations. Laura Adams, senior analyst for insurance information and pricing site insuranceQuotes.com, notes that not signaling, failure to yield, not stopping for pedestrians, failure to stop at a signal, following too close, improper passing and speeding 1 to 15 miles per hour over the speed limit can all increase your auto insurance premiums by an average of roughly 20% — according to an insuranceQuotes.com study.

Unless you’ve failed to wear your seat belt — an offense that merits only a 5.76% rate increase, on average — you’re going to incur a significant penalty any time a police officer decides to send you off with something other than a warning. A single driver who drives in a carpool lane, for example, will see his rates soar more than 18% for that infraction. For comparison, that’s a penalty similar to the 18.6% spike drivers see when they avoid a railroad signal. While there are ways to mitigate the damage, they require some time and money on your part.

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How to Protect and Insure your Texas Car

Severe storms bring a myriad of damaging impacts, and hail can be one of the costliest.

A recent hailstorm in San Antonio, Texas, proved to be the costliest in the city’s history. More than $1 billion in damage was reported, the Insurance Council of Texas reported. Hail as large as baseballs pelted over a hundred thousand cars, racking up damage claims.

Cars out in the elements are one of the most susceptible pieces of property, and for some, their most valuable.

“Look at what people are paying for cars these days,” Darren Huggins, National Collision director said. “If they don’t own a home, it’s the single biggest investment they’ve made. And they want to protect it.”

Following severe storms that struck Texas and the southern Plains in mid-April, social media was littered with images of mattresses, blankets, bubble wrap and other makeshift materials fastened onto all kinds of vehicles with the intention to prevent any severe hail damage.

Layers of blankets were enough to protect the sunroof of this car during a recent severe storm in San Antonio, Texas. (Instagram photo/josieorizaga)

While the unique methods of protection may have been inventive, there’s no telling how effective a blanket can really be against a powerful storm, experts say.

The top surfaces of the car such as the hood and roof are the most vulnerable in terms of potential hail damage, Huggins said. Most modern cars use tempered glass for the windshield, and “it’s going to take pretty severe hail to penetrate that,” he said.

Damage to the body of a car can also be the most expensive to fix.

Sam Sarkisian, president of the Autobody Association, said repairs can run anywhere between $1,500 to $5,000, depending on the damage.

If hail hits the car but does not fracture the paint, the repair cost will be much lower, Huggins said. Technicians can work from under the panel to massage out the dent rather than needing to do any replacement work.

Taillights can also be a costly fix, he said.

A car owner in Texas used blankets to protect his already hail-damaged vehicle during a severe storm. (Instagram photo/thewhaley)

State Farm spokesperson Dave Phillips said the average hail claim in 2015 ran just under $3,500. Texas had the highest number of hail claims in the U.S. with more than 23,000.

For those wanting to get creative, Huggins said anything that could cushion the blow from hail is worth trying.

“Try using a tarp, blankets, even a sleeping bag might do the trick,” he said. “But it’s most important to protect yourself first.”

Huggins urged car owners not to go outside during severe storms. If already driving, seek a covered area to wait out the storm.

The windshield of this car belonging to an employee of the Mississippi State Hospital in Whitfield, Mississippi, awaits towing Thursday, March 21, 2013. (AP Photo/Rogelio V. Solis)

 

Our partner sites house valuable information on a range of topics. Please visit!

www.times-square-nyc.com

www.cornerbakerymenu.com

www.pointlomauniversity.com

www.saltlakecommunitycollege.net

www.bestyogaposesforbackpain.com

www.creditscardbalancetransfer.com

www.nfl-scores.net

www.freetrialmarket.com

www.botulismsymptoms.net

www.carinsurancetexas.net 

www.floridasoutherncollege.net

www.massagetherapistsalary.com

www.enterprisedatawarehouse.org

www.businessentitysearch.net

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www.santabarbarafarmersmarket.com

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www.oaklandhotels.net

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