Mercury Car Insurance in Houston
Mercury’s auto insurance offerings aren’t just policies. They provide peace of mind for commuters navigating the bustling Energy Corridor, families exploring the Space Center on a weekend adventure, and artists driving to their studios in EaDo. No matter where you’re going in H-Town, you can count on Mercury to provide you with best-in-class coverage at an affordable price.
Why Choose Mercury for Your Houston Car Insurance?
- Local knowledge and expertise: Our local agents understand the area and are ready to guide you with personal insights and professional advice.
- Affordable, quality coverage: Mercury is committed to providing cheap Houston car insurance coverage without compromising on protection.
- Exceptional customer service: Thanks to our 24/7 claims service, our team is available to assist you with questions or claims at any time of the day.
- Customized coverage: Mercury allows you to tailor your policy to fit your lifestyle, from roadside assistance for long highway stretches to rental car coverage when your main vehicle is in the shop.
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Is Auto Insurance Mandatory in Houston?
Texas mandates a minimum level of liability insurance for all drivers to ensure that they can cover the costs associated with damages or injuries they may cause in an accident.
Legal Requirements to Drive in Houston
According to the Texas Department of Insurance, the minimum liability coverage required in Houston and the rest of Texas is 30/60/25 coverage. This includes:
- $30,000 for bodily injury per person
- $60,000 for total bodily injury per accident (when more than one person is injured)
- $25,000 for property damage per accident
Liability coverage protects other drivers and property owners if you’re at fault in an accident. It doesn’t cover damages to your own vehicle or your personal injuries if you’re at fault.
Contact us today for a fast, free quote!Optional Houston Car Insurance Coverage
You can add optional coverages to your policies for greater protection, financial security, and peace of mind in various situations.
- Collision coverage: Pays for damage to your vehicle in the event of a collision with another vehicle or object, regardless of who’s at fault.
- Comprehensive coverage: Provides coverage for non-collision damage to your vehicle, such as theft, vandalism, or natural disasters. This is particularly relevant in Houston, where flooding and storm damage can be common.
- Uninsured/underinsured motorist coverage: Protects you if you’re in an accident caused by a driver who either doesn’t have insurance or doesn’t have enough insurance to cover the damages.
- Personal injury protection (PIP): Covers medical expenses for you and your passengers, regardless of who’s at fault in an accident. It can also cover other expenses such as lost wages.
What Does Houston Auto Insurance Not Cover?
Knowing the exclusions can help you make informed decisions about additional coverages or adjustments to your policy. Here’s a rundown of common exclusions in auto insurance policies in Houston:
- Intentional damage: Auto insurance doesn’t cover any instances where you deliberately damage your or someone else’s property.
- Personal belongings: Most auto insurance policies don’t cover personal belongings stolen from or damaged inside your vehicle, such as laptops, smartphones, or personal items. For protection against these losses, you need homeowners or renters insurance.
- Wear and tear: Auto insurance policies don’t cover regular maintenance and repairs needed due to aging or routine use.
- Using your car for commercial purposes: If you use your personal vehicle for commercial purposes, such as delivering goods, and you don’t have a business auto insurance policy, your standard policy likely won’t cover incidents that occur during these activities.
- Racing and reckless driving: Participation in racing, speed contests, or reckless driving activities is generally not covered under standard auto insurance policies.
Get Cheap Auto Insurance in Houston from Mercury
Driving in Houston demands reliable auto insurance that won’t break the bank. Mercury Insurance stands out as your go-to provider, offering affordable rates and extensive coverage options designed to meet your unique needs.
Save More with Discounts
Mercury believes in rewarding drivers by offering discounts to help lower your insurance premiums, including:
- Safe driver discount: This discount is for drivers with clean records free of accidents and traffic violations.
- Multi-car discount: Save when you insure more than one vehicle with Mercury.
- Anti-theft feature discount: If your car is equipped with anti-theft technology, you can enjoy additional savings.
- Good student discount: This discount is for young drivers who maintain excellent grades in school.
These are just a few ways to reduce your Houston auto insurance costs with Mercury. Our agents can identify all the discounts you qualify for, ensuring you get the best rate possible.
Bundling with Mercury
One of the most effective ways to save on Houston car insurance is by bundling your policies. When you combine your auto insurance with Houston home insurance or renters insurance, you not only streamline your insurance needs but also unlock significant savings.
- Houston home insurance: Protecting your home is just as important as insuring your car. Our home insurance policies are designed to provide peace of mind and comprehensive protection from weather-related damages to unexpected repairs.
- Houston renters insurance: Mercury offers renters insurance that covers everything from personal property to liability protection. It’s an affordable way to safeguard against the unforeseen, ensuring you’re covered no matter where you rent in the city.
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