Dallas Car Insurance For Less Than You're Paying Now

Are you overwhelmed by the number of car insurance choices in Dallas? You're not the only one! Drivers have so many choices that it can turn into a lot of work to find the perfect company for you.

Take advantage of discounts

Car insurance companies do not list all available discounts in a way that's easy to find, so here is a list both the well known and the more hidden car insurance savings. If you aren't receiving every discount possible, you're paying more than you need to.

  • Fewer Miles Equal More Savings - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
  • Homeowners Discount - Owning a home in Dallas may trigger a car insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Senior Citizens - Mature drivers may be able to get a discount up to 10%.
  • Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% depending on your company.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Paperless Signup - Certain companies may give you up to $50 for buying your policy digitally online.

As a disclaimer on discounts, most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, car insurance companies aren't that generous.

To see a list of insurers who offer car insurance discounts in Dallas, follow this link.

car insurance in Dallas

How to Compare Dallas Car Insurance Costs

Finding cheaper car insurance prices is not a difficult process. Just take a couple of minutes comparing rate quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

  • The best way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This method saves time by eliminating multiple quote forms for every car insurance company. Completing one form gets you price quotes from multiple low-cost companies. It's the fastest way to compare.
  • A slightly less efficient method to compare rate quotes requires visiting the website for every company you want to comare to complete a price quote. For instance, let's say you want to compare rates from , and . To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in Dallas, click here.
  • The least efficient method to get comparison rates is driving around to insurance agents' offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the trained guidance of a local Dallas agent. You can, however, obtain prices from the web and still use a local agent and you'll learn how to do that later.

Which method you use is up to you, but compare exactly the same quote information for every company. If you use mixed coverages it will be impossible to decipher which rate is best in Dallas.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in lower car insurance prices.

The following are some of the factors that factor into premiums.

  • Safer cars cost less to insure - Cars with high safety ratings are cheaper to insure. Safe vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
  • Don't buy coverages you don't need - There are a ton of extra coverages that you can get tricked into buying when buying car insurance. Insurance for roadside assistance, accidental death and membership fees are examples of these. These may sound like a good investment at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Marriage brings a discount - Being married can get you a discount when buying car insurance. Having a spouse usually means you are more responsible and it's statistically proven that being married results in fewer claims.
  • Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Women pay lower rates - Statistics demonstrate women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Women and men tend to get into accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
  • Too many car insurance claims drive up costs - If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance companies in Oregon provide cheaper rates to insureds who do not rely on their insurance for small claims. Auto insurance is intended for the large, substantial claims.
  • Big city or small town - Choosing to live in a rural area is a positive aspect when talking about car insurance. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. Drivers in populated Oregon areas have more traffic problems and longer commute times. More time commuting means more change of being in an accident.

Are car insurance companies telling the truth?

Consumers in Oregon can't get away from ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the companies say the same thing about savings after switching your policy.

How can each company claim to save you money?

All companies are able to cherry pick for the right customer that is profitable for them. An example of a profitable customer might be between 25 and 40, has no tickets, and chooses high deductibles. Any driver who fits that profile is entitled to the best price and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements must pay more money which usually ends up with the customer not buying. Company advertisements say "people who switch" not "people who quote" save that kind of money. That's the way companies can truthfully state the savings. This illustrates why drivers must compare as many rates as you can. You cannot predict which car insurance company will give you the biggest savings.

And the best car insurance company is...

Cheap car insurance can be sourced both online in addition to many Dallas insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Consumers change insurance companies for many reasons like delays in responding to claim requests, an unsatisfactory settlement offer, denial of a claim or high rates after DUI convictions. No matter why you want to switch, finding the right car insurance provider is actually quite simple.

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. There are a lot of situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.

car insurance in Dallas

Even more information is available at the Oregon Insurance Division website. Visitors are able to find disaster information, discover disciplinary actions, and get help finding coverage.