Dallas Full Coverage Insurance
What Is Full Coverage Auto Insurance?
The term "full coverage auto insurance" doesn't exist as a true insurance definition when it comes to auto insurance in Texas. When someone claims they have full coverage, they are referencing to having at least state minimum liability limits plus Comprehensive and Collision Coverage.
Most insureds think when they compare auto insurance online and ask for full coverage, it covers everything regarding their automobile insurance. But it does not. It is very important to choose an auto insurance agency that explains your coverage in detail.
When you purchase basic "full coverage" it will not cover the below coverage's:
- Rental Reimbursement
- Medical Payments
- Bodily Injury Uninsured Motorist Coverage
- Gap Insurance
- Additional Equipment Coverage
One thing about insurance in Texas is that if you have basic "full coverage" and an uninsured motorist hits you, your car insurance will cover the claim through Collision Coverage but you are responsible for the deductible.
What Are Full Coverage Deductible Options?
Here are some different deductibles auto insurance companies offer:
- $250 Deductible
- $500 Deductible
- $750 Deductible
- $1,000 Deductible
- $2,000 Deductible
The $250 deductible option is the most expensive on your monthly auto insurance premium. A $2,000 deductible would cost you the least on your monthly premium. One thing to keep in mind is the $2,000 deductible is rare. Not many auto insurance agencies offer this option. The most common deductibles that customers use are either $500 or $1000.
If you have a loan on your automobile, many lien holders will require you to carry a minimum of a $500 deductible. Before you buy a car, it's very important to call your auto insurance company for car insurance quote to make sure you can afford the monthly rate for the $500 deductible.
Cheap full coverage auto insurance is difficult to find. It is important to call different auto insurance agencies to get the lowest price out there. Be sure and always check Google and Facebook reviews when getting online insurance quotes. Some auto insurance companies may have low prices, but the customer service and claims can be lacking.
When you are searching for auto insurance quotes you may consider asking for as low of deductible as the insurance company will offer on Comprehensive Deductible. Collision deductible is the more expensive coverage. I personally have always found a $250 deductible is a good option on Comprehensive, because it is usually a small amount of monthly difference in the $250 deductible compared to $500.
Defining Comprehensive And Collision Coverage
Comprehensive Coverage - Repairs your automobile when it is damaged in an incident other than collision. Another name for Comprehensive is "Other than Collision". Below are some examples of a Comprehensive claim:
- Stolen car
- Hitting a deer
- Hail or other weather claim
- Debris hitting your vehicle
Most auto insurance companies do not raise your monthly premium for a comprehensive claim. But some do remove your claims free discount and that can in turn raise your monthly auto insurance costs.
Collision Coverage - Covers your automobile in a collision with an object or vehicle.
Rear-end collisions are the most common type of car accidents and occur in many different settings. According to figures from the National Highway Traffic Safety Administration, rear-end collisions accounted for more than 40% of the collisions in the United States in the last several years. (Statistics according to www.chicagolawyer.com)
Collision coverage covers you regardless of fault. It is the most common claim turned in on auto insurance policies.
If I Have A Collision Accident, Will My Rates Go Up?
Yes, in most all cases a collision accident will cause automobile insurance cost to go up. A collision and an at fault accident are synonymous as far as insurance is concerned and can raise your monthly premiums substantially. The collision claim will stay on your driving record for 3 years with a lot of companies, there are a few auto insurance carriers who can charge for the claim up to 5 years.
Some auto insurance companies offer "accident forgiveness" and your monthly insurance premiums may not be affected after you have a collision accident. Sometimes this coverage can make your auto insurance quote higher than it normally is without it.
How to find Full Coverage Auto Insurance with a suspended license in Dallas?
There are several insurance companies in Dallas who can provide auto insurance for a driver with a suspended license. Most companies surcharge your auto insurance policy by 10%-20% for having a suspended license. It is much more affordable to carry liability only if you have a suspended license. But if you have a loan on your automobile the lien holder will require you to carry the full coverage auto insurance policy. Here are a few companies that provide auto insurance if your license is suspended:
- Save Money Car Insurance
- Safe Auto
How do I find Full Coverage Insurance with a bad driving record in Dallas?
If you are a driver who has tickets or accidents and need full coverage insurance there are some auto insurance companies that can help you. There is a substantial increase in premium for some violations. Here are the top 3 tickets that cause your auto insurance premium to increase:
- Driving While Suspended
- Reckless Driving
Most auto insurance companies will accept you if you have more than 2 at fault accidents in the last three years. Safe Auto and Progressive are two of these auto insurance companies that can write someone with over 2 accidents.
What is the minimum Full Coverage in Texas?
The minimum full coverage insurance policy consists of 30/60/25 liability limits with comp and collision deductibles of at least $1000. Many times when you have a lien holder on your vehicle they will make you carry a $500 deductible which does increase your monthly installments on your insurance policy.