One of the most frequently asked question about SR22 insurance is as to what, exactly, it is. This is a question commonly asked by people who are told that they will have to buy such insurance. It is also a question asked by people upon encountering a mention of the insurance somewhere for their very first times. In doing so, the latter are either motivated by curiosity Read the rest of this entry »
Posts Tagged Damages
affordable auto insurance
Apr 12
There are many things you should think about when you are purchasing teen auto insurance. Many things you should think about are paying annually, the type of car your teen is driving, adding a named driver, and more.
Finding cheap auto insurance can be difficult. So your teenager finally got their driver’s license and you now need to find them good insurance. Read the rest of this entry »
Houston Auto Insurance
Feb 13
Reader’s Question:
I am applying for auto insurance here in Houston. My husband says I have a good chance of getting cheap car insurance. Is he right and why?
Andrea
Houston, TX
Usually, female drivers like you are given better Houston auto insurance than male drivers. Houston auto insurance companies base this on statistics revealing that more male drivers are involved in car collisions and accidents compared to female drivers. This is because female drivers are naturally more careful on the road compared to male drivers who are more aggressive. Since female drivers are more careful when on the wheels, less of them are involved in traffic accidents, making them low risk compared to male drivers.
Houston auto insurance companies will also give you cheaper rates if you drive less miles. Those who have high mileage are more prone to vehicular accidents and damages. Male drivers are known to be more inclined to drive longer routes, so they are considered high risk compared to their counterparts from the distaff side.
You can get cheap car insurance if you drive a car with smaller engine. This limits your driving speed, which means lesser chances that you can get into serious car accidents. Car insurers will give you discounts for this.
After years of saving and borrowing my mom’s car, I’m going to buy my self my first car finally! Now, I’m doing some research about auto insurance here in Texas. I came across property damage and physical damage, aren’t those two the same?
Nick
Houston, TX
Congratulations on buying your first car!
Going back to your question, property damage and physical damage are both types of auto insurance coverage and they differ from each other. Let me just give you an explanation of those to give you a clearer understanding.
Property damage coverage is a kind of auto insurance coverage that pays for the damages you have caused to another party’s vehicle or property. Deductible is not offered on that kind of coverage.
On the other hand, physical damage coverage refers to collision and comprehensive coverage. Collision coverage pays for the damage on your car if it collided with another property or vehicle or object. Meanwhile, comprehensive covers you for the damage incurred on your car because of non-vehicular related accident like hail, fire, theft, vandalism etc. In general, these coverages have different deductibles.
For more information, you could seek the help of your auto insurance agent in Texas to better help you in getting cheap auto insurance rates.