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Old 04-27-2012, 08:08 AM
 
71 posts, read 65,329 times
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Default Car Insurance Rates

How are car insurance rates here in the Houston/Katy area as compared to other states? We just moved here and are getting quotes that are 700 higher than we paid in Ohio. Is that normal?
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Old 04-27-2012, 08:27 AM
 
Location: Pearland
779 posts, read 958,740 times
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I have full coverage on a 2010 Toyota Sienna, and a 2005 camry. 34, and 33 y/o. We pay about 1200/yr.
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Old 04-27-2012, 09:05 AM
 
372 posts, read 484,616 times
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Quote:
Originally Posted by mtgmike View Post
I have full coverage on a 2010 Toyota Sienna, and a 2005 camry. 34, and 33 y/o. We pay about 1200/yr.
Wow that's cheap. I pay $150/month for 2 cars. What's your insurance?
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Old 04-27-2012, 09:35 AM
 
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Shop around. But an insurance rep did tell me that most of texas cities are above avg because too many uninsured drivers.
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Old 04-27-2012, 09:50 AM
 
Location: From TX to VA
8,318 posts, read 2,358,406 times
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Quote:
Originally Posted by houstonfan View Post
Shop around. But an insurance rep did tell me that most of texas cities are above avg because too many uninsured drivers.
That's one of the reasons my insurance company mentioned too. Another is the amount of lawsuits filed in an area.

When I lived in San Antonio I paid one amount for insurance. I moved to west Texas and the annual premium (same car, same coverage) went down. But when I moved to Houston, the premium shot up! It was very expensive just because we lived in Houston!

You might also try these websites to compare quotes:
www.insurance.com and www.netquote.com
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Old 04-27-2012, 11:25 AM
 
Location: Pearland, TX
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Katy's one of the highest in the nation.

Ronnie
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Old 04-27-2012, 12:33 PM
 
Location: Pearland
779 posts, read 958,740 times
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Quote:
Originally Posted by Brom View Post
Wow that's cheap. I pay $150/month for 2 cars. What's your insurance?
It's Progressive, but I get the policy through an independent agent with The Woodlands Financial Group. I hammer on him each time it comes up to get a better deal. You cant let insurance agents get lazy. When your policy comes up, ask them to shop it, and shop it yourself. Take the best deal. If you switch, call the last guy back and shop with him next time it renews, give him a chance to get it back. I do this with three houses(not all mine, family) and my car insurance. After a year or so, the TWFG agent figured me out, and he stays aggressive with my policies.
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Old 05-03-2012, 06:02 AM
 
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It is pretty normal for insurance rates to go up or down when you move to a different state or neighborhood. Itís sad but not surprising. You can try getting lower automobile insurance rates by getting discounts or joining the AARP. You now have to think outside the box.
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Old 05-03-2012, 09:29 AM
 
600 posts, read 642,987 times
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At least we don't live in one of these cities.

Yahoo! Auto Insurance | Most Expensive Cities for Car Insurance

Houston is a big city where people drive a lot. We love our cars and have some of the longest commute times to get to work. Of course our insurance while by far the highest is going to be a decent amount.
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Old 05-03-2012, 09:38 AM
 
Location: 77059
7,698 posts, read 17,686,962 times
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Full coverage on 2 crossover type vehicles (one new), 2 drivers, $1,060/yr. Two new ones would add about $100/yr. Inner city vs suburb town vs Houston limit suburb never made a difference for me.

Progressive Direct is the lowest if you both have 800+ credit scores and pay the premium in full every 6 months. Being a homeowner (house note owner), clean records, paper-free billing, also qualifies you for discounts.
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