Think you have an expensive auto insurance policy? Don’t sweat it because you’re not alone. Drivers have many insurers to purchase coverage from, and although it’s nice to be able to choose, lots of choices makes it harder to find the best rates.
Finding the best rates in Dallas is quite easy. If you are insured now or need a new policy, you will benefit by learning to find better prices and still get good coverage. Texas drivers just need to understand how to find the lowest price on the web.
Performing a rate comparison is a ton of work if you don’t know the easiest way. You can spend countless hours talking about coverages with insurance companies in Dallas, or you can stay home and use online quoting to accomplish the same thing much quicker.
Many popular insurance companies are enrolled in a marketplace where insurance shoppers submit their information once, and at least one company then gives them pricing based on that data. This prevents consumers from doing quote forms to each individual auto insurance company.
To find out how much you’re overpaying now click here to start a free quote.
The only downside to pricing coverage this way is you can’t choose the providers to receive prices from. If you prefer to choose individual companies to compare rates, we have a listing of auto insurance companies in Texas. Click here for list of insurance companies in Texas.
Which method you use is up to you, but do your best to use the same coverage limits with every price quote. If each company quotes mixed coverages it will be very difficult to decipher which rate is best in Dallas.
Auto insurance policy discounts
Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Many of these discounts will be applied automatically at quote time, but some may not be applied and must be requested specifically before they will apply.
- Clubs and Organizations – Participating in qualifying employment or professional organizations may earn a discount on auto insurance.
- College Student – living away from home attending college and leave their car at home could get you a discount.
- Braking Control Discount – Cars that have steering control and anti-lock brakes can stop better under adverse conditions and earn discounts up to 10%.
- Good Students Pay Less – Being a good student may save as much as 25% on a . This discount can apply up to age 25.
- Senior Discount – If you’re over the age of 55, you may be able to get better auto insurance rates on Fit insurance.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings of 25 to 30%.
- Early Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
Discounts reduce rates, but you should keep in mind that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.
Insurance companies that may offer quotes with these money-saving discounts include:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
When getting a coverage quote, ask every insurance company which discounts they offer. Savings may not be offered in your area.
More resources for learning
More detailed Texas auto insurance information is located at the Texas Department of Insurance website. Consumers can find out which companies have the most complaints, read enforcement actions against agents and companies, and discover disciplinary actions.
The articles below may also help you learn more about auto insurance in Dallas