Honestly, I’ve seen plenty of people stick with liability and come out fine, even in Houston. If your car’s older or not worth much, sometimes full coverage just doesn’t make sense. It’s all about what you can afford to risk—no one-size-fits-all answer here.
- I get where you’re coming from, but after my buddy’s old Corolla got totaled by a hit-and-run in Houston, he was stuck with nothing.
- He only had liability and the payout didn’t even cover a decent used car.
- Houston’s traffic is wild—between the storms, flooding, and crazy drivers, I just can’t risk it.
- My car isn’t new, but I keep full coverage for peace of mind.
- Maybe it’s overkill, but after seeing what can go wrong here... I’d rather play it safe.
Yeah, I get the “peace of mind” thing. I’ve had my share of close calls in Houston—one time a guy sideswiped me during a rainstorm and just kept driving. Didn’t even slow down. My rates shot up after that, but honestly, I’d rather pay more than be left stranded.
“Houston’s traffic is wild—between the storms, flooding, and crazy drivers, I just can’t risk it.”
Same here. It’s not just the drivers, either. Flooding took out my neighbor’s car last year and insurance barely covered half of what he needed for a replacement. I keep full coverage even though my car’s not fancy. Maybe it’s overkill, but after seeing how fast things can go sideways here, I’d rather be cautious than sorry.
I’ve lived in Dallas too, and yeah, insurance was cheaper there. But Houston just feels like a different beast—more unpredictable stuff happens. Not saying everyone needs full coverage, but for me? It’s worth every extra dollar.
“Houston just feels like a different beast—more unpredictable stuff happens.”
Man, you nailed it. I swear, every time I drive through a puddle here, I’m half-expecting my car to turn into a submarine. Full coverage feels less like overkill and more like basic survival gear in Houston. Anyone else feel like their car insurance is basically flood insurance with extra steps?
Honestly, I get where you’re coming from. Houston’s weather is just wild. I’ve lived in a few Texas cities, and nowhere else have I felt like my car was constantly in danger of becoming a boat. But yeah, insurance here is no joke—my premiums jumped almost $40/month when I moved from Austin. At first, I thought maybe it was just my driving record or something, but after talking to neighbors and checking around, it’s pretty much across the board.
From what I’ve read (and what my agent told me), it’s not just the flooding—though that’s a huge part. There’s also the traffic density and higher accident rates. More people on the road, more chances for fender benders, and the cost of repairs keeps climbing. Add in all those hailstorms and random street flooding, and insurance companies are basically bracing for impact every year.
I do think full coverage makes sense here even if it stings. I tried to go liability-only for a bit to save money, but after seeing someone’s car get totaled by a flash flood in my old apartment lot...yeah, not worth the risk. If you’re trying to save a bit, I’d say shop around every renewal—rates can vary a lot between companies, and some offer better discounts for stuff like bundling or safe driving.
Not sure if it’ll ever get cheaper here, but at least we don’t have to worry about earthquakes or blizzards...just the occasional floating sedan.
