Dallas Car Insurance Buying Tips Every Consumer Should Know

Finding the lowest cost Dallas car insurance online can not only be frustrating, it can also be a complete waste of time if you don’t know what you’re doing.

It’s important to compare rates yearly since rates change frequently and even if you got the best price six months ago there may be better deals available now. You can find a lot of misleading information regarding car insurance online, so I’m going to show you some excellent ideas to find affordable car insurance.

Finding affordable coverage in Dallas is quite easy and if you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. But in order to save, Texas drivers must know how big insurance companies price online insurance and take advantage of how the system works.

Automobile Insurance Quotes in Dallas

There are several ways to compare rates from local in Dallas car insurance companies. The best method to find the lowest rates involves getting comparison quotes online. This can be done in a couple of different ways.

1. The recommended way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This method prevents you from having to do boring form submissions for each company you want a rate for. Just one form compares rates from multiple low-cost companies. Just one form and you’re done.
2. Another way to compare rate quotes is to take the time to go to the website for each individual company and request a quote. For examples sake, let’s say you want comparison quotes from Liberty Mutual, Safeco and Allstate. To get each rate you have to go to every website to input your insurance information, which is why most consumers use the first method.For a list of links to companies insuring cars in Dallas, click here.

However you get your quotes, make sure you use identical information for each comparison quote. If you compare different liability limits it’s impossible to determine the lowest rate in Dallas. Just a small difference in coverages can mean a large discrepancy in price. And when quoting car insurance, remember that getting more free quotes provides better odds of getting the best price.

Cut your premium with discounts

Companies that sell car insurance do not advertise every available discount very clearly, so we took the time to find both well-publicized as well as the least known car insurance savings. Take the time to find out if you are getting all the discounts you’re entitled to because it can really add up.

• E-sign – A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
• Save over 55 – Mature drivers may be able to get a small decrease in premiums.
• Drivers Education – Have your child take driver’s ed class if it’s offered in school.
• Payment Method – If you pay your bill all at once instead of paying each month you could save up to 5%.
• Own a Home – Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
• Low Mileage – Fewer annual miles can earn lower rates on the low mileage vehicles.
• Claim Free – Drivers who don’t have accidents can save substantially compared to bad drivers.
• Early Switch Discount – Some insurance companies reward drivers for switching policies before your current expiration date. It’s a savings of about 10%.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
• Memberships – Participating in a qualifying organization could qualify you for a break on your policy.
• Lower Rates for Military – Having a deployed family member may qualify for rate reductions.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as collision or personal injury protection.

Don’t listen to company ads

Companies like State Farm, Progressive, GEICO and Allstate continually stream ads in print and on television. All the ads say the same thing about savings after switching your coverage to them. How does each company make almost identical claims?

Insurance companies have a preferred profile for the type of customer that is profitable for them. For example, a preferred risk could possibly be between 30 and 50, owns a home, and chooses high deductibles. Any new insured who fits that profile gets the lowest rates and therefore will save when switching.

Potential customers who don’t meet these standards will be charged higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that much money. This is how companies can truthfully state the savings. That is why you absolutely need to quote coverage with many companies. You cannot predict which car insurance company will give you the biggest savings.

Quote often, but don’t skimp on important coverages

When trying to find lower rates, the most important thing to understand is the more you quote, the higher your chance of saving. Consumers could even find that the best prices are with some of the smallest insurance companies.

As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. Too many times, consumers will sacrifice uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Affordable car insurance can be found online as well as from independent agents in Dallas, so compare prices from both in order to have the best prices to choose from. Independent insurance agents are able to place your coverage with regional insurance providers that don’t always offer the ability to get a quote online.