Dallas is part of a metropolitan area that is home to more than 7 million people. In terms of population, only New York, Chicago and Los Angeles outrank Dallas-Fort Worth. The area’s growing urban sprawl has created one of Texas' largest highway systems, and local roadways are often crowded.
You'll need top-rated car insurance to protect you when you hit the road around DFW. With more than 35 years of experience behind us, Cheapest Auto Insurance has the expertise to help all Texas drivers find the right auto policies at the lowest prices.
Click here to learn more about how to find the cheapest auto insurance
Additional Coverage Options in Dallas
- Auto Insurance
- Non-Owner's Insurance
- SR-22 Insurance
- Full Coverage Insurance
- Liability Auto Insurance
Insurance in Dallas
Most of the insurance policies in Dallas are more expensive compared to the national average. This is mainly due to Dallas being such a large metropolitan area. Homeowners and auto insurance take up a major portion of the insurance sold in Dallas. Another term used for these 2 types of insurance sectors is categorized as Property and Casualty Insurance. Our local Dallas retail stores only provide Auto and Motorcycle insurance policies. Many of our competitors in Dallas sell many different kinds of insurance coverage so we feel this gives us a competitive advantage because here at Cheapest Auto Insurance we have a strong niche market by putting our entire focus on car insurance. We mainly sell Motorcycle insurance to help our current customers out. Automobile insurance is our specialty and because we focus solely in this insurance sector, we priced our rates very competitively and know the coverages in and out. Insurance companies who sell 30 different types of insurance may struggle mastering the insurance product you are looking for and because that is not their sole focus their price may reflect that. No matter what insurance product you are looking for in Dallas we advise you speaking with a licensed insurance agent before purchase a new policy to be sure you are covered adequately. Insurance can be complicated and there can be certain endorsements and exclusions you may or may not be aware of, that a licensed agent could explain to you.
Click here to read more about auto insurance rates in Dallas.
Understanding your auto insurance coverage
Auto insurance policies are not the easiest to understand and many times coverages can be misunderstood. It is important to contact your auto insurance agent or company to go over your policy to make sure you are covered correctly and not over paying for coverages you do not need. Be sure to look over your policy every renewal to make sure the proper coverages are still there. And if your situation in life has changed and you need more coverage be sure to let your insurance agent know. Here is a list of coverages on your auto insurance policy you can choose from:
- Bodily Injury Liability and Property Damage
- Medical Payments
- Uninsured Motorist Coverage
- Personal Injury Protection
- Rental Car Reimbursement Coverage
- Roadside Assistant/Towing
- Comprehensive Coverage
- Collision Coverage
Watch this video to learn about the importance of carrying auto insurance
Click here to learn more about what your auto insurance covers.
It is important to remember that business use is usually not covered under your personal auto policy. There are less exclusions on the personal auto policy but still some things to be aware of to disclose to your agent when getting quotes. Here are a few things to disclose to your auto insurance company to make sure you are covered correctly:
- If you deliver goods or transport people to different places
- If you working in ride sharing industry
- If you have employees who drive your vehicles
- If you drive out of state for work on frequent basis
- If you add on custom equipment to your vehicle
Click here to learn more about auto insurance coverage.
Liability Car Insurance in Dallas
Driving risks are omnipresent in Dallas, and there were more than 32,000 accidents in the area in 2017. Therefore, having auto insurance is ideal for every driver.
By having a policy, you can reduce your risks of significant financial challenges after unfortunate accidents. The policy can help pay for such losses as your vehicle damage, injuries and related costs. It can also pay for the damage you cause others if you are held at-fault for the accident.
Click here to read more about how to find cheap liability insurance for your car.
Understanding more about cheap liability car insurance
Watch and learn more about cheap liability car insurance.
Click and learn more about liability only car insurance in Dallas.
Foreign License Auto Insurance
Finding cheap auto insurance if you are a foreign driver can be challenging in some circumstances. We do recommend all foreign or International visitors who are here on a longer term or permanent basis that plan to drive an automobile to get a U.S. license. It can be an annoying process though but we feel is worth it in the long run. If you are here on a short term basis we do not recommend getting a U.S. license but instead purchasing insurance from a rental car company or just do ride sharing. In most cases ride sharing makes a lot of sense and can be a great way to get around legally.
Click here to read more about Foreign License Auto Insurance
How to find auto insurance for a car in impound
Your car can be impounded for many different reasons, and it can also be costly to get the car out of impound. Some impound lots will require auto insurance before they give the car back but most do not. After you get your car back it should not affect your car insurance rates from it being impounded. If it is actually repossessed it should not affect car insurance rates either unless your credit was affected and the insurance company, you are with uses credit as a rating factor.
Click here to learn more about finding insurance for a car in impound
To learn more about finding car insurance for a car in impound click here
Auto Insurance for Seniors
Finding the best auto insurance for seniors can be difficult and time consuming, but in most cases your auto insurance rates should drop as you get older and more driving experience. But this is not always the case, once you get over 75 It can be more difficult to get cheap auto insurance. Many companies will require a signed doctor statement before they will bind coverage if you are over 75. If you have been with your current company for a while and had a good experience with them, we recommend staying with that carrier if you are over 75. Here are some of the top companies we have found for senior drivers:
Finding a local auto insurance broker can be a great tool for seniors to find the best auto insurance. These brokers can shop around numerous companies for you and help find the best price and coverage for seniors.
Click here to read more about auto insurance for seniors
Click for tips for insurance for seniors
Auto insurance for young adults
Finding affordable auto insurance for young adults can be difficult but not impossible. You will just need to do a little more research and shopping around to find the best price. Young drivers are among the most expensive to insure so we always recommend staying on your parent or legal guardian policy as long as you can, this is the best way to save money. But not all of us have this luxury so if you are going out on your own insurance you will need to be equipped with the knowledge to help you save money because odds are you will need every discount you can get and you will realize that once you start getting quotes. So, we hope to equip you will all you need to know about young adult car insurance in the below link:
Click for tips for insurance for young adults
Click to learn how to find cheap auto insurance for young adults
Auto Insurance for College Students
Auto insurance for college students can be expensive because most college students are 25 and under which is the age segment that pays the highest amount of auto insurance premiums. We recommend staying on your parent's auto insurance policy as long as you possibly can. This will save you the most money and, in most cases, provide you with the best coverage. But just because you are a college student doesn't mean you have to over pay for car insurance. There are still quality insurance companies out there who can help you find the auto insurance rate you need with the coverage you require. We have found a few top insurance companies for college students and here are a few:
. Geico
. State Farm
. USAA
. Save Money Car Insurance
Click here to learn more about auto insurance for college students
For more information on college student insurance click here
Texas Auto Insurance Requirements
Most drivers benefit from higher liability limits than the state minimums. Let our agents help you determine the coverage you want at a price you can afford.
Click to learn more about getting cheap liability car insurance
Low Income Car Insurance
Low income car insurance is not an actual policy that can be purchased. There are a few states that offer assistance for car insurance for households that qualify. There are ways for households with low income to find affordable car insurance. The two keys for anyone to get cheap insurance is to keep a good driving record for three years and keep continuous auto insurance for at least 6 months. In addition to these two key factors be sure and shop around and get as many quotes as possible, this will increase your chances. You can also consider just purchasing auto insurance with the bare minimum coverage and when you get back on your feet financially you can add on all the coverages you need.
To learn more about low income car insurance click here
Auto insurance for used cars
Finding auto insurance for your used car is one of the most expensive parts of car ownership but also one of the most important since you are required by law to carry at least state minimum limits of liability. Just because you have a used car does not necessarily mean your insurance will be cheaper every time. But we have found in most cases full coverage insurance will be cheaper compared to new cars. This is usually not the case on liability only policies. We have gone more in depth to help you find all the information you need to about used car insurance in the below attachment.
Click here to learn more about auto insurance for used cars
To learn more about auto insurance for used cars click here
Independent Insurance Agents
There are an estimated 36,500 independent insurance agencies. This segment of insurance agents takes up a large amount of the insurance sector. These agents work with numerous independent insurance companies and sell their product as a “middleman” and are paid on a commission basis from the carrier partners. Many people like working with independent insurance agencies because of the numerous price and coverage options they can obtain with one phone call. We have provided more in depth information regarding independent insurance agencies in the below article.
Click here to read more about independent insurance agents
Nonstandard Auto Insurance Companies
Nonstandard auto insurance companies are becoming more and more common especially with some of the big players really starting to enter this market. It is the fastest growing insurance sector currently and we see it continuing to grow. Nonstandard auto insurance companies specialize in providing high risk drivers with affordable basic auto insurance coverage. Many of these carriers will only offer state minimum liability limits due to the risk that bad drivers can bring. But just because you are a high risk driver does not mean that you can find affordable car insurance.
Click here to learn more about nonstandard auto insurance companies
To learn more about nonstandard auto insurance click here
Dallas Auto Insurance
Dallas is the third most populated city in Texas — right behind Houston and San Antonio — with roughly 1.341 million people. Also, 2 of the 12 fastest growing cities in Texas are within two hours of Dallas — those are Fort Worth and Waco. Generally, where there is higher population, there is a higher frequency of accidents and also uninsured drivers. These two factors have a huge impact on pricing for Dallas car insurance.
Cheapest Auto Insurance can help you find cheaper car insurance in Dallas by going over all possible discounts. We can customize your policy for exactly what you need.
Learn more about Dallas Auto Insurance
Click here to read about auto insurance coverage in Dallas.
Click here to watch about the importance of keeping auto insurance active.
Click here to learn more about your auto insurance policy.
Click and read about the importance of carrying proper auto insurance in Dallas.
Click and read more about finding cheap auto insurance in Dallas.
Insuring Drivers of All Shapes And Sizes
We're in a unique position to help any driver pinpoint the perfect car insurance, regardless of the insurance risks you might pose. Besides standard policies, we offer non-owners insurance, SR-22 options, high-risk coverage and more.
Truck Insurance
Truck insurance can cost more than regular car insurance in many cases just because trucks are bigger and can cause more damage than smaller cars. This is more on the bodily injury liability and property damage liability section of the policy that you will see the increase. As far as the other coverage sections like uninsured motorist coverage, medical payments, or pip coverage sections of the policy, truck insurance rates on those parts of the policy are very comparable to any other vehicle you would get a quote from. Here at Cheapest Auto Insurance we have companies that specialize in cheap truck insurance, call or text us today for a quick quote!
Click here to learn more about truck insurance
SUV Insurance
SUVs are becoming one of the most popular vehicles on the road and who you choose to insure your SUV is very important. With auto insurance rates starting to trend up again it is important to call your insurance company before purchasing a new SUV so you can see how much you will be paying. There are several auto insurance carriers that provide affordable insurance prices for SUVs. We have researched all about SUV insurance and want to provide you with as much information about it as possible. Please see the article below to find out more about SUV insurance.
Click here to read more about SUV insurance
To learn more about SUV insurance click here
How much is Dallas car insurance?
Dallas is one of the most-expensive cities for car insurance in Texas, and drivers typically pay over $1,000/year (roughly $80/month) for their coverage. Your exact rate will vary, however, based on factors like your driving record, the value of your car and your previous claims history. Let our agents help you tailor your coverage limits appropriately.
For more information you can watch this video!
Who has the cheapest car insurance in Texas?
Cheapest Auto Insurance offers policies from more than 30 top auto insurance companies. Some insurers offer lower rates than others, depending on factors specific to the policy applicant. Our guarantee is that you will always pay the lowest rates on your coverage. For more information click here!
Check out this video to learn more about finding the best insurance companies
What is the average cost of Car Insurance in Dallas, Texas?
- $1,680 Dallas Average (Annual)
- $1,415 Texas Average
- $1,548 U.S Average
How can age affect my Dallas Automobile Insurance policy?
Age definitely plays a factor in your automobile insurance premiums. Studies have shown that auto insurance customers who are in their 50s are within the age bracket that pays the least for car insurance. Customers in their 60s are just right behind them. Young drivers from ages 16 to 19 generally pay the most for automobile insurance. But once drivers get out of their teenage years, there is usually a substantial drop in their car insurance pricing. Finding cheap car insurance in Dallas can be very challenging, especially for young drivers. One thing young drivers can do is try to get a vehicle that they can afford is to just carry only state minimum liability auto insurance. This is more affordable than a full coverage auto insurance policy, which can be very expensive for teenage drivers.
Are Auto Insurance rates in Dallas based on your credit level?
Car insurance quotes in Dallas can be closely related to your credit score. Studies have shown that Dallas drivers who have better credit scores have a lower likelihood of having claims. That is one of the benefits of getting a quote from Cheapest Auto Insurance. We do not penalize Texas auto insurance customers for their credit level. We also do not use that as one of our rating factors. When you call us for a Dallas auto insurance quote, we will never ask you for your social security number — like many Dallas insurance companies will.
Watch this video to learn more about finding cheap auto insurance with bad credit
Learn more about finding cheap auto insurance rates if you have bad credit.
How can violations affect your car insurance rates in Dallas?
Having a good driving record is a great way to lower your auto insurance costs. Tickets for speeding, careless driving, DUIs or at fault accidents are just a few of the violations that can affect your automobile insurance. Auto insurance companies reward drivers who have a low risk of turning in a claim with lower prices.
Drivers that are convicted of careless driving ticket will pay the most extra in auto insurance premiums for their violation. It can be up to a 35 percent surcharge on your car insurance for this violation. This is a much higher surcharge than that which a driver gets after racking up a speeding ticket or running a stop sign.
Learn more about finding cheap auto insurance rates if you have a bad driving record.
Learn more about high risk auto insurance
Auto Insurance with a Suspended License
Finding cheap auto insurance with a suspended license can be very difficult. Auto insurance is expensive enough with a normal license let alone with a suspended one. A lot of insurance companies surcharge up to 4 points on an auto insurance policy for having a suspended license. This can raise your rates up to 30% on your monthly premiums. Insurance companies also look at the reason why your license is suspended and rate accordingly. Some auto insurance companies will even deny you coverage if your license is currently suspended. We have found nonstandard auto insurance companies are the best fit for drivers with a suspended driver's license. Drivers with a suspended license are considered high risk drivers as far as insurance companies are concerned. Here are a few auto insurance companies we found who offer affordable rates for drivers with a suspended driver's license:
- Save Money Car Insurance
- The General
- Safe Auto
- Venture
- Key
Click here to learn more about finding cheap auto insurance rates with a suspended license.
How to find cheap auto insurance with no license
Drivers who do not have a driver's license will pay more for their auto insurance compared to what the cost would be if they have an active license. But one major misconception about auto insurance is that people think you cannot get auto insurance without an active license, but you absolutely can. It’s going to be more expensive but it is very doable. Here are a few tips for you to help keep your auto insurance affordable if you do not have a license:
- Sign up for auto pay on your monthly payments
- Sign up for paperless billing
- Keep a clear driving record for 3 consecutive years
- Shop around at your renewal to make sure your current company is still the cheapest
- Keep active insurance for 6 straight months for prior insurance discount
- Get a State ID as a form of identification
These are just a few tips to help you get cheap auto insurance quotes without a license. The best thing you can do though is keep a safe driving for 3 years and get as many quotes as possible. The more quotes you get the better your chances of saving money on your car insurance premiums.
Click here to learn more about finding cheap auto insurance with no license
To learn more about finding auto insurance without a license click here
ID Only Car Insurance
Finding ID only car insurance can be difficult and expensive. But here at Cheapest Auto Insurance we have companies who specialize in insuring customers with and ID only. Just because your license is not active does not mean you can't find affordable insurance. You just need to find the right company who specialized in ID only car insurance. We have found that nonstandard auto insurance companies are your best bet for cheap ID only car insurance. You will find these companies at your local independent insurance agency. These agents work with numerous companies to find you the cheapest rate possible. We have gone more in depth to provide you with all the information you will need to find the best ID only car insurance possible in the link below.
Click to learn more about ID only car insurance
Click to learn how to find cheap car insurance with an ID
How to find cheap SR22 Insurance
SR22 insurance is an auto insurance policy that is required by the state for drivers who are convicted of one of the following situations:
- DUI or DWI
- Having an accident without insurance coverage
- Serious or repeat traffic offenses
- License suspension or revocation
It is important to remember that SR22 is not an insurance policy but an endorsement to the auto insurance policy. It is actually a form that your auto insurance will give you and file it with the state for you. It is important to keep your SR22 auto insurance policy active and paid to date. Allowing it to lapse and you continuing to drive can get you in more legal problems. Thankfully though adding an SR22 to your auto insurance policy will not raise your monthly auto insurance rates just usually a one time fee of up to $25.
Click here to learn more about SR22 Insurance
Ways to find cheap non owner's insurance in Dallas
Non owner's insurance is a type of insurance policy you purchase instead of insurance on a specific vehicle. Non owner's insurance is cheaper than liability only insurance by about 30%. Not all insurance companies in Dallas offer this policy. Here at Cheapest Auto Insurance, we can help you find cheap non owners insurance no matter what your driving record is, here are a few insurance companies near Dallas we found that offer a non-owners policy:
- Amax
Freeway Insurance
Cheapest Auto Insurance
Watch this video to learn more about Non Owners Car Insurance
Click here for additional information on non-owners car insurance
If you have a suspended driver’s license and don’t own a car yet but need an SR22 you can purchase a non-owners SR22 insurance policy from several insurance providers in Allen This is more of a challenge to find insurance companies in Texas that will offer this coverage. There is a lot of leg work for insurance companies to file SR22 insurance policies in other states. Here are a few that we found who offer this type policy:
- Dairyland
- Progressive
- Geico
Click to learn more about finding cheap non owner car insurance
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Additional Resources on High Risk Insurance
1. https://www.aautoandhomeinsurance.com/blog/how-to-find-affordable-auto-insurance-for-high-risk-drivers-in-dallas.aspx
2. https://www.aautoandhomeinsurance.com/blog/how-to-find-high-risk-auto-insurance-in-dallas-texas.aspx
3. https://www.aautoandhomeinsurance.com/blog/how-to-find-sr-22-insurance-in-dallas-video.aspx
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Does my zip code affect my Auto Insurance quote in Dallas?
Yes. Zip codes are actually one of the main factors when insurance companies give you an auto insurance quote. So, the area you live in can be important when it comes to auto insurance rates. The main reason insurance carriers use a zip code as a rating factor is that crime, uninsured motorist incidences and theft claims can be different depending on your zip code you live in. Certain Dallas zip codes can be have much higher instances of these outcomes than others. So, before you move to your new home or apartment, call us and get a quote to see how your new zip code will affect you Dallas car insurance.
How can weather affect Dallas Automobile Insurance?
Weather has a big affect on your auto insurance in Dallas. Dallas receives 37.1 inches of rain a year (the national average is 38 inches). More rain results in dangerous roads that increases your chances of having a car accident. Also, snow and hail storms play a huge factor in rating. The more hail storms Dallas has, the more cars that get damaged. Hail is a covered peril on your Texas insurance policy if you have Comprehensive coverage.
It's very important to know what kind of coverage you have on your car insurance policy. According to the National Weather Service, any specific location in Dallas metro area can expect to receive an average of 2 to 3 hail storms per year. The highest odds of a hail storm exist from March through May. I personally have been stuck in these Dallas hail storms. Many times, the best thing to do is just pull over and wait the storm out.
One way to avoid the perils of hail is to park your vehicles in your garage or under your carport. As far as snow, it only snows about 1 inch a year, which is less than national average. Recently, snowfall has been scant in Dallas.
What are my options for Day-to-Day driving in Dallas?
Getting around Dallas can an overwhelming experience due to it's large population and the many drivers on the road. If you are unfamiliar with Dallas and it's different highways it could be scary for you. Below are the different transportation options to help you get around Dallas.
Do Dallas Vehicle Insurance rates relate to marital status?
In many cases, an auto insurance customer's car insurance rates can be affected by their marital status. In most situations, married drivers pay more than single drivers for automobile insurance in Dallas. This is based on data that married drivers are less likely to turn in a claim. The other category that comes in to play is widowed drivers. Generally, these drivers have cheaper car insurance than other single people do.
Does Dallas Car Insurance pricing differ by gender?
Most auto insurance carriers rate differently based on gender. Male drivers generally pay $10 more annually for auto insurance in Dallas compared to a female driver. There are some exceptions to every rule and this insurance rating factor can differ per state.
How much is car insurance in Texas per month?
The cost of insurance varies based on a number of factors — some of which are determined by if you want liability or full coverage. Liability is going to be much cheaper than full coverage. Also your age and driving record are big factors in pricing. Cheapest Auto Insurance provides cheap car insurance quotes for drivers in Dallas. We strive to get every customer maximum discounts. Since we write through many different auto insurance companies in Dallas, we can get you the discounts you deserve.
New Driver Insurance
Auto insurance for new drivers can be very expensive. But many auto insurance carriers take into consideration the reason why you are a new driver. Insurance companies charge more on monthly premiums for new drivers because of the lack of experience on the road. They feel this lack of experience can make it more likely for a new driver to have a claim compared to a more experienced driver. We have found ways for new drivers to still find quality affordable insurance. Please read our article below to find out how to find cheap auto insurance for new drivers.
Click here to read more about new driver insurance
Full Coverage Insurance in Dallas
When you carry at least 30/60/25 liability limits plus a minimum of at least a $1000 deductible, this is considered the basic full coverage policy in Texas. Most people like to add on rental and towing to their policy if they have full coverage but that is going to cost extra. On average Roadside assistance costs $8 per month and Rental Car Reimbursement Coverage is about $12 monthly. It can really pay off to carry full coverage in Dallas with it having a high rate of traffic accidents.
Click here to learn more about full coverage auto insurance.
Click here to learn more about collision insurance.
Auto Insurance is actually not based on income level. There are many different factors insurance companies look at, but income level is not one of them. Some companies do look at credit score when determining rates, but not all do. Cheapest Auto Insurance does have companies that do not look at credit score as a factor.
How to find an auto insurance broker near me?
Dallas is full of auto insurance brokers so it can be a little overwhelming when searching for Dallas auto insurance. An auto insurance broker is an independent auto insurance agency that writes through multiple companies. Some of these agencies can write up to 50 different carriers which has its positives and its negatives. Many times, these auto insurance agencies have the lowest price. But sometimes because of writing through so many different auto insurance companies the service may not be as good due to all the rules and guidelines each company requires the agencies to abide by and every company usually has different guidelines.
For more information on auto insurance brokers in Dallas click here!
Do I need an auto insurance broker?
Auto insurance brokers can be a great option to shop car insurance quotes through multiple companies with one call. This saves consumers a lot of time and hassle because we all know that no one enjoys calling around for auto insurance quotes. We have found some of the larger auto insurance brokers in Oklahoma and Texas that can help do all the auto insurance shopping for you:
- Amax
- Baja
- Cheapest Auto Insurance
- Best Insurance
- La Familia
- Advantage 1
- Freeway
Some of these companies are contracted with over 100 different companies so you will see how this could be an advantage to the consumer to get that many quotes with one call. With anything though there are pros and cons about purchasing auto insurance from a broker.
Click here to see all the pros and cons of using an auto insurance broker
Understanding car insurance rates in Dallas
Auto Insurance companies use many rating factors when pricing auto insurance. Here are some factors that weigh heavy on your auto insurance prices. Some are in your control but as you can see others are not.
- Weather- Hail and flooding are covered under you comprehensive coverage and can cost auto insurance companies a lot of money when those heavy storms roll through Dallas.
- Uninsured motorists- People who drive without insurance and have an at fault accident causing bodily injury or vehicle damage to others have a big impact on auto insurance prices. Because the innocent party has to file a claim on their insurance and that insurance company has to pay that claim despite their insured not being at fault.
- Credit and claims history- Some Insurance companies utilize customers credit scores and claims history to foresee the likelihood of them turning in future claims.
How many insurance places are there in Dallas?
There are over 500 auto insurance companies in Dallas alone. So, it can be overwhelming when shopping for auto insurance in a large city like Dallas. A good way to shop auto insurance quotes in Dallas is to pick a few of the top rated insurance companies and get quotes from them. Whether you use Google, Facebook, or just word of mouth, these are all great ways to find the best auto insurance company for your situations. Also auto quote comparison sites are becoming more and more popular like The Zebra for example. For more information click here!
How to find cheap car insurance in Dallas
There are several things you can do to find cheap car insurance in Dallas, here are a few things:
How to lower your car insurance
Taking advantage of all the discounts that you can is the best way to lower your car insurance when shopping for auto insurance in Dallas. It helps to always set up your billing on automatic withdraw and on Paperless billing, this alone can lower your rates up to 10%. Also, some auto insurance companies offer a 7-10% discount for taking a defensive driving course. Dallas auto insurance can be expensive so take advantage of every opportunity you have to save money and be sure to shop around at your renewal time to make sure your company is still the cheapest.
Click to read more about car insurance in Dallas.
Check out this video to understand why auto insurance rates go up after an accident
Should I be careful purchasing cheap car insurance in Dallas?
Yes, it is important to make sure the auto insurance company you choose is a company that can pay your claim in case you have one and service your policy at a high level. We all want cheap auto insurance but like in many cases you can get what you pay for when it comes to auto insurance. Dallas auto insurance is not cheap so always beware if you are getting auto insurance quotes and every auto insurance company is quoting you around $100 a month and one company is quoting you $50 monthly; this would be a red flag. Odds are this insurance company does not have the secret sauce that no other company does. Some new companies will come in with cheap insurance prices to grab a large part of the market then raise your prices by a large amount at renewal.
How to find the nearest insurance companies near me
One thing Dallas does not have a shortage of is auto insurance companies. There is one seemingly on every block. So, you should have no problem finding an insurance company near you. Be sure your location settings are turned on in your cell phone settings and when you are searching in Google be sure to do you search criteria on the closest location to you setting. It should then pull up numerous options of auto insurance companies to choose from in Dallas.
Auto insurance Companies in Dallas
There are many auto insurance companies in Dallas to choose from. When searching for the best one for your situation be sure to always read reviews from actual customers. Most auto insurance companies in Dallas are either holding rates steady this year and some are even dropping rates or giving customer rebates back due to the Covid-19 situation. As long as there are no more major CAT losses rates should hold steady. But if hurricanes or severe hail storms start coming in that definitely could raise auto insurance prices in Dallas.
Click here to learn more about the best auto insurance companies in Dallas.
Additional resources to find the best auto insurance companies:
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Additional Resources to learn more about Auto Insurance Companies in Dallas
1. https://www.aautoandhomeinsurance.com/blog/who-are-the-best-auto-insurance-companies-in-dallas-texas.aspx
2. https://www.aautoandhomeinsurance.com/blog/insurance-companies-in-dallas.aspx
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Online car insurance quote comparison sites
Online car insurance quote comparison sites can be great ways to get a lot of quotes at one time. And as we have discussed many times that is one of the key ways to finding the cheapest auto insurance policy. The more quotes you get the cheaper your insurance is in most cases. If you do choose an online comparison site for your insurance needs it is important to remember that site in most cases is not your actual insurance carrier. They are the middleman and mostly just help you get the policy started initially and do not service the policy going forward. The insurance carrier they set you up with would be responsible for servicing the policy going forward.
Click here to learn more about finding cheap insurance from an online car insurance quote comparison site
How do Auto Insurance Companies in Dallas set their prices?
Auto insurance companies in Dallas have many different factors they use to set their prices. Here are a few of those factors:
- Driving record for last 3 years
- Age
- Zip code
- Credit Score
- Prior Insurance History
These are just to name a few but understanding how auto insurance companies work can be a good thing to know so you can get the lowest possible price. Some of the larger insurance companies have hundreds of different factors. Whereas the smaller non standard insurance companies or MGA's will have many less factors that go into their rating factors. Most of them do not even look at credit. So if your credit is not very good it may be a good idea to get a quote from one of these auto insurance companies. You can find these companies by finding an auto insurance broker in Dallas who writes for numerous companies, this gives you a wide variety of options.
Check out this video to learn more about how auto insurance companies set their rates
Future of Insurance in Dallas
Insurance in Dallas is changing all the time with the new tech companies coming into the market you can purchase almost any type of insurance completely online. With Dallas being one of the largest metropolitan areas in the U.S. it makes for a very competitive market when it comes to the insurance industry. Starting an insurance policy completely online is a very different experience than most people are used to because for so many years, working directly with an agent face to face was the only way to go. Homeowners and commercial insurance are some of the few sectors in insurance that is difficult to do completely online due to the complexities of the policies. There can be a lot of exclusions and endorsements in these policies that for the consumer may be difficult to understand. But we feel the future of insurance is a direct-to-consumer model, especially in the younger generations. Face to face may not go away completely but with the amount of new tech companies coming into the industry we expect insurance to continue to head in that direction on a furious pace, especially in the automobile insurance sector. Car insurance is much easier to purchase compared to other segments of insurance. Many of these new tech companies have affordable auto insurance rates but it is yet to be seen how claims are handled and can they be profitable on the underwriting side, which usually takes years to tell. Thankfully at Cheapest Auto Insurance we have companies that allow Dallas drivers to start their policy online yourself or come face to face to speak with our agents at our one of our multiple locations in Dallas.
To read more about the future of auto insurance click here.
Check out this video to learn more about the future of auto insurance
How to find cheap auto insurance online?
When getting online car insurance quotes, you need the same mindset as if you were speaking to an agent. First off have all your information ready so the quote can be accurate. Secondly, tell the truth so your quote will be accurate. Try to get as many discounts as possible, here are a few you can check when getting online quotes:
- Sign up for auto pay
- Sign up for paperless billing
- Take a defensive driving course
- Pay your policy In full for six months
Watch this video to learn more about auto insurance quote comparison sites
Some auto insurance companies offer a discount for doing the insurance online compared to speaking with an agent. So, if you understand auto insurance coverage this can be a very good option for you to save some money on your insurance. Just make sure you research the company you are looking at before you pay for the policy. The more research you do the better and the more quotes you get the chances of finding cheap rates will increase.
Click here to learn more about finding online auto insurance
Tips on buying insurance for your new car
There can be a lot to buying a new vehicle and one of the most important parts of this process is purchasing auto insurance. Car insurance prices for new vehicles can be very expensive. So, it is important to make sure you take all the steps to get the cost as affordable as possible. We have found a few of the top companies for full coverage insurance on new cars and here they are:
- Progressive
- Geico
- State Farm
It is important to keep your auto insurance policy active and credit score high to receive the best full coverage new car insurance prices.
Click here to read more about new car insurance.
Most car dealerships will require you to have full coverage insurance proof before they will let you purchase the car lot and leave with the car. Some dealerships will let you carry liability auto insurance through an insurance company and they will sell you the comprehensive and collision coverage part of the policy. It's important to remember though that in most cases the dealership insurance is not legal insurance you will have to purchase state minimum liability limits to be legal on the road.
Click here to watch a video explaining how to find cheap new car insurance
Auto Insurance for Older Cars
Auto insurance prices for older cars are generally cheaper than newer cars especially when it comes to full coverage. As far as liability only it's not a big difference in price. However, there are a few companies that offer discounted rates on older cars even on liability only like Progressive. They are recognized as industry leader when it comes to the best prices on older cars. There is a lot to know about insurance on your older car and things you can do to save money. Please see more info below to learn more ways to save on older car insurance
Click here to learn more about auto insurance for older cars
Click to learn how to find cheap insurance for older cars
Temporary Car Insurance
Temporary car insurance can be a great way to get cheap insurance for a short period of time. We recommend going with an auto insurance carrier that offers a monthly policy or if they only offer a 6-month policy then make sure they pro rate their cancellation refund. If they short rate the refund you could get stuck owing them money if you cancel very quickly after starting the policy. Even though there is no auto policy that is called a “Temporary Car Insurance” you can just tell the insurance company who you are getting quotes through that you intend to cancel the policy very soon and they can find the best for you. Many nonstandard auto insurance companies specialize in this type of insurance coverage.
Click here to read more about temporary car insurance
Importance of doing annual auto insurance check-up
Our lives are always changing and so are our coverage needs for our auto insurance policy. It is important to contact your auto insurance company or auto insurance broker on a yearly basis to go over your policy with them. Here are a few things to mention to your company or broker to make sure you are still covered correctly:
Make sure you have all the discounts you deserve on your policy and do they suggest any more discounts you should look at.
If you just bought a home you should consider bundling that with your auto insurance policy for a multi-policy discount.
If you have gone from liability to full coverage recently be sure to go over with them what all is on your full coverage policy. Here are a few coverages that don’t come on a normal full coverage quote. Medical payments, Uninsured Motorist Coverage, Rental and towing are just to name a few.
Check out this video to learn more about the importance of reviewing your auto insurance policy
Cheapest Auto Insurance strives to make sure all customers have the time and attention they need from us to be sure they have the coverage they need. Call or text one of our experienced agents to review your coverage today!
Learn how to find cheap auto insurance rates!
Best Insurance Companies in Dallas
It is important to research an insurance company before you purchase an insurance policy. We have found one of the best ways to find top insurance companies is to view their google reviews. We have 3 locations located in Dallas and you can see each of our locations reviews to see what customers really think about us. Obviously, we are not perfect and we make mistakes just like every other insurance company but as you can see with all of our reviews, we really try to take care of every customer no matter what their situation is. Our goal is to provide affordable auto insurance to every Dallas driver regardless of driving record, insurance history, or credit score. We represent many insurance companies in Dallas which gives us a good advantage to help you save money on your insurance. Here are our reviews you can review; we would love to help you save money on your car insurance today!
9304 Forest Lane, Suite S140
10216 East Northwest Highway
11728 Ferguson Road
Updated: 06/01/2021
Get Started Today
Cheapest Auto Insurance wants to be your neighborhood insurance partner in Dallas. You can reach one of our agents via phone at (214) 760-4883 or get an instant online quote now!
E-Sign Accepted Here
We are happy to offer an e-sign option for anyone that can’t make it to an office to sign paperwork. We want to make the process as easy as possible for you.
Note All rate data is generated as part of The Zebra's industry-leading annual insurance rate study.