Proven Methods for Low-Cost Dallas, TX Car Insurance

Paying for high-priced car insurance can dwindle your checking account and make it impossible to make ends meet. Comparing price quotes is a smart way to lower your monthly bill. Numerous insurance companies battle for your insurance dollar, so it’s not easy to compare every provider to find the absolute best rates possible.

Are you getting all your discounts?

Companies that sell car insurance don’t always advertise every discount very clearly, so we researched both the well known and the more hidden car insurance savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates than less cautious drivers.
  • Student Driver Training – Require your teen driver to take driver’s ed class if it’s offered in school.
  • No Charge for an Accident – Some insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Drive Less and Save – Driving fewer miles could qualify for a substantially lower rate.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying your policy digitally online.

It’s important to understand that many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

For a list of insurers with discount car insurance rates in Texas, click here.

When should I talk to an agent?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions could help you determine whether or not you would benefit from professional advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Why am I required to get a high-risk car insurance policy?
  • Is my babysitter covered when using my vehicle?
  • How much liability do I need to cover my assets?
  • When should I not file a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When should my teen driver be added to my policy?
  • Are rental cars covered under my policy?
  • How high should my medical payments coverage be?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Can’t I compare rates from local Dallas agents?

Some consumers would prefer to talk to a local agent. Insurance agents can help determine the best coverages and give you someone to call. One of the best bonuses of comparing insurance prices online is you can get better rates and still have an agent to talk to.

After filling out this form (opens in new window), the coverage information is immediately sent to participating agents in Dallas who will compete to get your business. You never need to visit any agencies because quoted prices will be sent directly to your email. How cool is that?!

Choosing a company shouldn’t rely on just the bottom line cost. These questions are important to ask:

  • If you are a high risk driver, do they have special markets for your coverage?
  • Will your rates increase after a single accident?
  • Do they assist clients in filing claims?
  • What insurance company do they write the most business with?
  • Can they provide you with a list of referrals?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Are they properly licensed to sell insurance in Texas?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

Shown below are agents in Dallas that may be able to provide price quote information.

Liberty Mutual Insurance – 9400 N Central Expy # 111, Dallas, TX 75231 – (214) 987-2275
State Farm Insurance – 3838 Oak Lawn Ave # 173, Dallas, TX 75219 – (214) 219-6610
Allstate Insurance – 3465 Highland Rd # 200, Dallas, TX 75228 – (214) 660-3123
Rick Agency – 1920 W Colorado Blvd, Dallas, TX 75208 – (214) 941-4001
Texas Farm Bureau – 9560 Skillman St, Dallas, TX 75243 – (214) 340-8394
Liberty Mutual Insurance – 6060 N Central Expy, Dallas, TX 75206 – (214) 987-2275
Farmers Insurance Group – 1911 S Buckner Blvd, Dallas, TX 75217 – (214) 398-7770
Absolute Insurance – 10211 Garland Rd, Dallas, TX 75218 – (214) 321-3518

Upon receiving reasonable responses to any questions you have and a low price estimate, chances are good that you have found an insurer that will adequately provide car insurance.

compare rates in Texas

More detailed Texas car insurance information can be found at the Texas Department of Insurance website. Texas drivers can find a variety of consumer forms, find out industry alerts, and read enforcement actions against agents and companies.

More related Dallas car insurance information:

Online plus local equals savings

As you prepare to switch companies, do not reduce needed coverages to save money. In many instances, drivers have reduced full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Discount car insurance is definitely available from both online companies and also from your neighborhood Dallas agents, and you should be comparing both so you have a total pricing picture. Some car insurance companies may not provide online quoting and most of the time these smaller companies sell through independent agents.