First, know that all citizens of Dallas and the entire state of Texas are required by law to purchase car insurance; it’s not an option. The insurance must be obtained through a licensed Texas provider. Some providers offer coverage in multiple states while others are limited to just one or two states or a particular region. So before you begin comparing car insurance quotes, start with companies that are able to provide you with service. Be aware that not all online offers are available in Texas. Also, be sure the quotes you are receiving offer the same amount of coverage for the price being advertised. Some types of coverage besides the minimum liability amount that you might need include collision, comprehensive, towing, medical payments, rental car coverage and accidental death benefit.
Second, understand your state’s liability coverage requirements. If you live in Dallas or any part of Texas, the state of Texas requires that all citizens carry a minimum amount of liability coverage. The amount of Bodily Injury (BI) coverage required is $25,000 (per person) or a total per accident of $50,000. For Property Damage (PD) coverage, the minimum is $25,000 per accident. The “Tort” system is in place in Texas, which means a determination of fault must be made after an accident, and then the at-fault party must cover the damages via their own insurance.
Reduce Your Car Insurance
The national average premium for private auto insurance is $1,735. The average premium in Texas is not far from the national average at $1,809. The good news is you can shop around for car insurance among the top Texas providers. A quick, easy way to compare rates is to take advantage of an online quote comparison website. A quote site will usually offer quotes from about 10 to 15 reliable providers based on the information you enter. You can find out rates based on your age, type of car, driving history, etc. and then compare and dig deeper to find the perfect fit for your needs.
Finding cheap car insurance in Dallas, TX is simple once you know how to take advantage of lower premiums. Raising the deductible is one way to decrease your premium. You might have to pay $500 or $1,000 out of pocket instead of $250, but a higher deductible can save you a tremendous amount year after year on your car insurance. Also, choose a car with safety features and add anti-theft products if possible to protect your car from theft. Car insurance companies welcome cars that have safety features in place because these reduce the risk of bodily harm and sometimes damage to the car. For instance, anti-lock brakes help the car to come to a faster stop when needed without locking up. Consider buying a sedan, wagon or mini-van instead of a sports car. Sports cars are much higher in insurance than other vehicles.
Other auto insurance discounts may be given for good credit scores, safe driving history, defensive driving courses, good grades in school, low mileage, mature drivers and certain geographic locations. For those living in Dallas, Texas, car insurance providers are also able to offer “by the mile” insurance. This means you’ll only pay for car insurance as you need it, similar to buying gas for the car. It might be cheaper to purchase auto insurance by the mile for the person who doesn’t drive all that much.
Whether comparing online, over the phone or in person, get quotes from several competent companies with an A rating (A.M. Best rating). Consider the policies they offer, deductibles, discounts and customer service reputation to find a winning combination!