Car insurance in Dallas is known for being expensive. With a population of over 1.3 million people, wrecks are likely and frequent, so going without proper coverage is extremely dangerous.
Thankfully, there are ways to save money on car insurance in Dallas.
Raise Your Credit
Your credit has a heavy impact on your car insurance rates. Drivers with poor credit will have a harder time finding cheap car insurance, but it's not impossible. Build your credit while shopping around by paying off debts or loans and paying bills on time. Some insurance agencies have more leniency with nonstandard drivers, so shop around agencies that either have specialize in nonstandard drivers or don't consider credit.
Choose Your Vehicle Carefully
Certain vehicles cost more to insure due to their make, model, year and value. Expensive vehicles cost more to insure, since they will cost more to repair. Some vehicles are statistically more likely to be stolen, which makes them more expensive to insure.
Certain modifications can affect your insurance rates, as well. Vehicles modified for speed will cost more to insure, but vehicles with high safety ratings or with anti-theft locks will cost less to insure.
Consider choosing an older vehicle with a high safety rating and anti-theft locks to safe on auto insurance and lower the risk of having to file a claim. Claims can raise your rates depending on the incident itself.
Coverage Limits Matter
The more coverage you have, the more you will pay in insurance premiums. Be careful when choosing lower coverage, though. In Texas, you legally must carry:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage
Beside these coverages, additional insurance is optional. It's still recommended that you carry enough insurance to protect yourself, your vehicle and your passengers in case of an accident, however.
But if you have an older vehicle that would cost less to replace than to insure, you may want to skip out on comprehensive insurance, for example.
Perhaps the biggest influence on your car insurance rates is your driving record. Getting into wrecks or receiving multiple tickets can raise your insurance rates substantially. A DUI on its own can make your premiums skyrocket over 80 percent. You can take defensive driving courses to lower your insurance rates, along with simply driving carefully and avoiding distracted driving.
Get A Quote