There are different kinds of auto insurance Houston that you can choose from. You only need to consider your lifestyle, your needs and your budget. It is important that you have the right person who can advise you on what your automobile needs. But before choosing an auto insurance company, you must first choose the right auto insurance policy for you. So, what are the three types of auto insurance and how different are they from each other?

Liability auto insurance

This means that the cause of the accident is your fault. When you have a liability auto insurance Houston, the insurance company will be the one to pay for the damages you caused. This does not only pertains to damages to the vehicles, but also to any harm that you might have caused to the third party. This kind of auto insurance is usually required by transportation regulation commission.

If you are just starting to learn how to drive, a liability auto insurance policy is the perfect kind of insurance for you. In case you figured in an accident, the insurance company will be the one to pay the third party.

Collision auto insurance

This kind of auto insurance means that the company will pay for the damages on the vehicles. After an accident, you must go to the repair shop authorized by the insurance company. They will assess the repair needed by your vehicles. Be sure that the repair shop you are going to is duly authorized by the auto insurance company. If not, you may end up paying for the repair of the vehicles.

A repair job may range from a minor dent on the fender or bumper to a major one like cracks on the windshield or broken doors.

Comprehensive auto insurance

Finally, the last type of auto insurance Houston would pertain to a comprehensive auto insurance policy. This kind of auto insurance covers basically all damages that can happen to your vehicles. It even covers natural disasters and some other mishaps. Before signing on this type of insurance, you must review all its inclusions and exclusions. Some auto insurance policies even offer protection to drivers who dont have a personal insurance.

The other thing that you must know about these three types of auto insurance is that they dont always work the way they are advertised. It still depends largely on the auto insurance company. They will be the one to evaluate your driving habits, as well as the conditions your car is being subjected to on a daily basis. They will offer the insurance plan they think is perfect for you.

Of course, you also need to consider if you can afford the policies. Liability policy is usually the cheapest one while the comprehensive policy can be a little expensive