As a resident of a large urban area, if you are looking for cheap Dallas auto insurance it can be a real challenge. Dallas has among the highest car insurance rates in the entire state of Texas due to its population.
Insurers tend to price rate quotes according to how likely it is you will get into an accident and how expensive your claim will be. Those that live in urban areas generally face higher premiums than those who live out in the country.
If you are looking for Dallas auto insurance quotes it pays to shop around. There are dozens of insurers doing business in the state of Texas, so getting quotes from even a handful of carriers is still only a start. We make it quick and easy for you to find and compare rates – just enter your zip code above and we’ll connect you with the best discount insurers in your area. Consumers who have used our free, no-obligation service have saved up to $560 or more on their car insurance quotes.
Dallas car insurance requirements are the same for the rest of Texas which means that you will have to keep minimum liability coverage of $25,000 for each injured person with $50,000 maximum per accident. Texas drivers also need to maintain $25,000 in liability coverage for property damage. These higher limits went into effect on April 1, 2008.
Under Texas law, you are responsible for paying if you get into an accident. If your insurer does not pay damages you will have to pay out of your own pocket, a potentially expensive proposition. That’s why it is so important to maintain a high quality Dallas auto insurance policy that protects you.
Drivers in the lone star state pay an average of $1,888 for car insurance, and this tends to be even more expensive in Dallas. This is higher than the national average by about $100. In addition, insurance premiums in Texas have risen 14% in 2009 over last year’s rates, so it’s important that you take the time to comparison shop before buying a policy.
In 2007 in Dallas alone, there were 372 people involved in fatal car crashes, 139 of whom died. There were also 13,791 car thefts in the city of Dallas in 2007. Just because you think you will not be involved in a serious accident or theft doesn’t make it so. So be sure to drive safely and get the latest anti-theft equipment install on on your vehicle.
If, like so many drivers in Texas, you drive a pick-up truck, you may find yourself paying higher Dallas auto insurance rates than most. The top three most stolen vehicles in Texas are all pick-ups. Topping the list is the 2004 Dodge Ram Pickup, followed by the 1994 Chevrolet Full Size C/K 1500 Pickup and 1997 Ford F150 Series pickup. Insurance premiums are largely based on the accident and theft history of a vehicle within a certain area, so based on the past history of these pick-ups, drivers are almost certain to pay higher rates.
Here are a few tips to make it easier to find cheap Dallas auto insurance. First, consider raising your deductible. If you are a safe driver with little to no history of claims, there is no sense in paying hundreds of dollars more per year for a low deductible. While it does mean that more money will come out of your pocket in the event of a crash, this expense can be more than made up for by lower premiums over the years.
Also make sure you ask for discounts. There are a variety of car insurance discounts available to Texans including a military service discount, a good driver discount, and a good student discount. Not all insurers will volunteer this information to you, so be sure to ask for whatever discounts may be available to you when talking to an agent.