There are many types of Insurance companies in Dallas to choose from. With Dallas being one of the most populated areas in Texas it can be overwhelming when searching for insurance companies. Here is a list of insurance types you may need:
- Homeowners Insurance
- Business Insurance
- Auto Insurance
- Life and Health Insurance
- Flood Insurance
- Commercial Auto Insurance
Homeowners insurance in Dallas can be expensive due to the large number of Hail storms that come pass thru the metroplex. Dallas homeowners insurance prices are on the higher end compared to the rest of the nation. We have found State Farm and USAA to have competitive pricing in this sector. For homes that have higher value Chubb Insurance company seems to be a good option. Here are a few tips to save money on Homeowners insurance:
- Select a higher wind and hail deductible
- Be claims free for five years straight for claims free discount
- Install a central burglar and fire alarm
Auto insurance in Dallas is a huge market. You see auto insurance brokers on almost every corner. If you are in a situation where you have a high credit score and long history of prior insurance it may be a good fit for you to contact a more preferred auto insurance company like a State Farm or Liberty Mutual. Also, if you are wanting to bundle your auto and home insurance they could be a good option also. Many insurance companies offer a multi policy discount for doing this and can be a big savings. If you are looking to change insurance companies here are some of the top rated insurance companies in Dallas.
The USAA offers cheap auto insurance for those in the military, including veterans and family members. If you qualify for this service, you’ll enjoy very low rates and top-rated customer service. A unique feature of USAA insurance is that you’ll receive free accident forgiveness after 5 years of membership.
Allstate runs a bit higher than the state average when it comes to premiums, but it has numerous benefits, including new car replacement and safe-driving bonuses. They also have a Claims Satisfaction Guarantee. They are listed as having lower premiums than average for people that have had issues such as tickets and DUIs, according to Nerd Wallet.
GEICO consistently has the lowest or near-lowest premiums in town, however there seem to be fewer GEICO agents in TX than other companies have. Besides great rates, GEICO has an amazing mobile app that allows you to completely submit and track your claims from your phone. They also have many discounts that could apply to you, make sure to compare discounts when you request rates from different companies.
State Farm is a national chain with a huge presence in the state of Texas. They have low premiums and a wide range of discounts available to Dallas residents. Unfortunately, they have mixed reviews when it comes to customer service on the Better Business Bureau. If it’s a low monthly price you are after, it could be worth the gamble. Include them in your side-by-side comparison to see if they will meet your needs.
Texas Farm Bureau
You have to be a member of the Texas Farm Bureau in order to have this insurance but everyone is able to join, you don’t have to be a farmer. They have the lowest premiums in town for minimum coverage and a wide range of other categories. They also have excellent customer service, and recently gave over $20 million back to their customers due to COVID-19.
Republic Group offers low rates and many discounts for Dallas drivers. They even have considerably lower rates for teens who are students with good grades. This is a popular choice in Dallas with many agents to assist you. Auto insurance quotes are customized to the individual. In order to get an accurate quote, you’ll need to contact the company and give some personal information. You can also go to the company's website to request a quote. If you’d like a little more help with auto insurance quotes and comparisons you can work with an insurance broker who is affiliated with all the local companies.
Non Standard Insurance
Non standard auto insurance is another large segment of business in Dallas. If you have bad credit and bad driving record it can be in your best interest to find an auto insurance broker in Dallas who works with numerous non standard companies. They can shop around and find you a lot of different options to fit your insurance needs. Drivers with a an SR22 or suspended license can find affordable car insurance at one of these insurance agencies. Here are a few auto insurance companies the specialize in non standard auto insurance:
Here are a few auto insurance brokers in Dallas that write through multiple non standard auto insurance companies:
Technology and Insurance
Dallas auto insurance is starting to evolve on the tech side also. Many auto insurance companies are starting to price their auto insurance premiums based on tracking how a customer drives. Good drivers get rewarded with lower premiums but bad drivers get charged a higher price. The auto insurance companies who use the devices to monitor driving track a few factors, here they are below:
- How fast you take off
- How quickly you turn
- How fast of speed you drive
Safer more cautious drivers tend to like being rated this way, but drivers who don’t watch these 3 factors can pay way more premium and it may not be in their best interest to go with an auto insurance company that rates on these factors. Progressive is one of the first companies to bring this technology to market, with several more following the past year or so. We will have to wait and see if this truly has an impact on how much money auto insurance companies pay for claims. Auto insurance companies have many different factors when setting their rates. For some of these insurance companies though how a customer drives day to day is one of the biggest factors they use. These auto insurance companies are also offering an upfront discount if you participate in this program for them to track your driving.
New to Cheapest Auto Insurance?
At Cheapest Auto Insurance, we are able to get you a quick free quote in no time! Call us at 214-760-4883 and one of our insurance professionals will ask you the right questions to find the best policy for you or to get an online quote click here!