No one looks forward to paying premiums for car insurance, in particular when the price is too high. Due to the increasing number of car insurance companies to choose from, it’s nearly impossible to pick the most affordable car insurance company.
It’s a good habit to compare prices quite often due to the fact that insurance prices are constantly changing. Even if you think you had the best rates for Maxima coverage at your last renewal a different company probably has better premium rates today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to use the internet to lower your rates without sacrificing coverage.
Finding affordable car insurance in Dallas is not that difficult. Just about every vehicle owner who has to buy car insurance will most likely be able to cut their insurance bill. Nevertheless, Texas consumers must comprehend the way insurance companies determine prices.
To get , there a variety of ways of comparing rate quotes from lots of Texas car insurance companies. The best method to compare rates consists of obtaining rate quotes online. This is very easy and can be done by using one of the methods below.
- If you are pressed for time, the simplest way to find low rates is to use a rate comparison form (click to open form in new window). This quick form saves time by eliminating boring form submissions for every company. One simple form gets coverage cost estimates instantly.
- A less efficient way to compare rate quotes consists of going to the website for every company you want to comare and go through the quote process again. For sake of this example, let’s say you need rates from State Farm, Liberty Mutual and Allstate. In order to compare rates, you need to go to each individual site and repeatedly enter your information, which is not fast way to get rate quotes. For a list of companies in Dallas, click here.
However you get your quotes, try to keep the exact same coverages and limits for every quote you compare. If you are comparing different liability limits it will be impossible to truly determine the lowest rate in Dallas. Just a small difference in coverage limits may result in large price differences. Just remember that comparing all the rates in your area increases the change that you will find the best price.
Smaller companies may have the best rates
Respected companies like State Farm and Allstate constantly bombard you with ads in print and on television. They all convey the message that people will save if you move to their company. How is it possible that every company can give you a better price? You have to listen carefully.
Companies have a certain “appetite” for a prospective insured that will add to their bottom line. An example of a profitable customer might be a married female, carries full coverage, and chooses high deductibles. A customer who meets those qualifications gets the lowest auto insurance rates and have a good chance to save money with a new company.
Insureds who cannot meet the requirements may be forced to pay a higher rate and this results in the customer not buying. The trick is to say “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s why companies can claim big savings.
Because of these techniques, it is so important to do a rate comparison at every renewal. It is impossible to predict with any certainty which company will give you lower prices than your current company.
Discount Dallas car insurance quotes
Some insurance providers don’t list every policy discount in a way that’s easy to find, so the list below contains both well-publicized and also the more inconspicuous discounts you could be receiving when you .
- Low Mileage Discounts – Fewer annual miles on your Nissan may enable drivers to earn better prices on cars that stay parked.
- Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
- Federal Government Employee – Active or former government employment can save as much as 8% for Maxima coverage but check with your company.
- Savings for New Vehicles – Buying insurance coverage on a new vehicle can get you a discount because newer vehicles keep occupants safer.
- Accident Forgiveness – This isn’t a discount exactly, but some insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.
Large car insurance companies and some of their more popular discounts can be found below.
- Progressive has savings for good student, multi-policy, homeowner, online quote discount, and multi-vehicle.
- AAA offers discounts including good driver, good student, multi-car, anti-theft, pay-in-full, education and occupation, and multi-policy.
- Farmers Insurance includes discounts for good student, distant student, early shopping, youthful driver, bundle discounts, teen driver, and alternative fuel.
- GEICO has discounts for air bags, military active duty, federal employee, anti-theft, seat belt use, driver training, and defensive driver.
- Esurance may include discounts for homeowner, emergency road assistance, good student, claim free, and safety device.
- SAFECO may have discounts that include anti-theft, drive less, homeowner, teen safe driver, anti-lock brakes, safe driver, and multi-car.
- State Farm may offer discounts for multiple autos, student away at school, safe vehicle, passive restraint, Drive Safe & Save, and accident-free.
When comparing rates, check with all the companies the best way to save money. Some discounts listed above may not apply everywhere. To view insurance companies that offer many of these discounts in Dallas, click this link.
Tailor your car insurance coverage to you
When it comes to choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For example, these questions might point out whether you will benefit from professional help.
- Should I buy only the required Texas minimum liability coverage?
- Is rental equipment covered for theft or damage?
- How much liability coverage do I need in Texas?
- Why am I be forced to buy a membership to get insurance from some companies?
- How much underlying liability do I need for an umbrella policy?
- Do I have coverage for damage caused while driving under the influence?
- Is my teen driver covered when they drive my company car?
- Do I pay less if my vehicle is kept in my garage?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Can I afford to pay high deductible claims out of pocket?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.
More information can be found on the website for the Texas Department of Insurance. Click here for link. Texas drivers can file complaints about a company, read industry bulletins, read state legal mandates and laws, and find a variety of consumer forms.
The following information may also be useful.
More effort can pay off
As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an accident victim reduced collision coverage only to find out that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at a price you can afford while not skimping on critical coverages.
Some insurance companies don’t offer rate quotes online and most of the time these regional insurance providers only sell through local independent agents. Budget-friendly car insurance is possible on the web and from local insurance agents, and you should compare price quotes from both to have the best selection.