Dallas drivers are blessed with good roads but cheap car insurance may seem hard to find. However, there are ways you can save money.
Spend some time shopping around. Car insurance rates in Dallas — in fact in Texas in general — vary quite a bit from company to company. Just shopping around could save you hundreds of dollars a year. Get at least three to five different quotes and provide the same coverage and deductible amounts to each company or agent so you get an accurate comparison.
As far as coverages are concerned, all of Texas — whether you’re in Dallas or any other city — requires a minimum of $20,000 per person and $40,000 if two or more persons are injured per accident for Bodily Injury and $15,000 per accident for Property Damage. You may want to raise these limits on your policy for added peace-of-mind, though it will raise your premium.
One way many people make their car insurance affordable is to lower their deductible. There can be quite a difference in premium between a $500 and $1,000 deductible.
Ask the insurance company about available discounts such as multi-policy, good student, Anti-lock Brake System and more.
Driving in Dallas can also be hectic. Save yourself some stress, and possible some cash on your auto insurance by taking public transportation. Your car insurance rate could be lower if you drive less per year.
Make sure you have a good credit score. Car insurance companies often use credit ratings to assess risk. If you have a poor credit rating, they may give you a higher rate.
Finding cheap auto insurance in Dallas doesn’t have to be a chore. Make a few phone calls to local agents or jump online and visit an insurance comparison Web site. At these sites you can submit all of your information in one place and get several different quotes back. With just a little bit of time, you can make sure you’re getting the best car insurance rate and value.
