As a Houston bedroom community, Missouri City residents know that one of the biggest daily challenges is the traffic. Whether it's driving the 610 or dodging traffic on the Sam Houston Toll way, getting into your car and going anywhere can be a nerve-pinching ordeal that takes patience and alertness. And similarly, being a Texas resident requires preparing for about any kind of weather nature can throw at you. Hurricanes, floods, tornadoes, snow --Texas has it all. That's why it pays first to understand how insurance works. Then how to comparison shop to find the lowest price on Missouri City insurance quotes.
You know that living close to the Gulf brings extra hazards in the form of hurricanes and floods. But did you know that a standard homeowner's policy does not cover flooding? Many unfortunate underinsured families found that out in Houston's 2009 flood. Also, did you know that 25% of flood claims are in low to moderate risk areas? Even the smallest bit of flooding can cause enormous structural damage as well as potential health risks from mold. Flood policies cost anywhere from $200 to $2,000.
Now let's look at a sample homeowner's policy. Say you live in Sedona Creek and want to insure your home for $150,000. It's 10-years-old, stucco, and you've been claim free for the last five years. Rates will run from around $900 to $2,300, not including a flood policy. Why the big difference? Insurers operate like any other business. If it's profitable for them to offer $900 policies, they will. Others need to charge $2,300 to be profitable.
The Missouri City Road Rally
To drive Texas roads, the law says you must carry the following minimum coverage: liability coverage of $25,000 per injured person, $50,000 for everyone injured in an accident, and $25,000 for property damage. Let's look at an example with this minimum coverage. For a married female driver, over 25 with no violations, rates in Missouri City can run anywhere from $326 up to $1,109! Are you starting to see a pattern here? Big differences in price from one insurer to the next.
Missouri City residents commute on average 30 minutes to work. Half of Mo City's labor force, in fact, commutes to a location outside of the city. That's a lot of driving. Want to lower your Missouri insurance quotes? Consider reducing your mileage by picking up the METRO's Park and Ride at Beltway 8 and Fondren Road. It will take you in to downtown Houston. Discounts are usually offered for anti-lock brakes, airbags, automatic seatbelts, and anti-theft systems. If you're driving an old car, consider a higher deductible.
Save Right Now on Missouri City Insurance Quotes
Finally, now that you have a few ideas about insurance, try comparison shopping for your Missouri City insurance quotes with NetQuote. NetQuote will scour the web looking for the right policy at the right price. It's free and takes less than 30 minutes. So what are you waiting for? Get shopping.