Don’t Buy Auto Insurance In Dallas, Texas Without Reading These Cheap Premium Tips

Big things happen in Dallas, Texas, as their slogan says. If you’ve recently moved to the Lonestar State or recently became a licensed driver in Texas then you’ll want to brush up on auto insurance laws and regulations. All drivers are required to cover, at a minimum, some liability coverage that pays the other party in the event you cause an accident. Texas state law requires that you have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage. If you paid for your car with bank financing then you’ll also have to take out collision and full coverage to protect the bank’s investment. This may sound expensive, but don’t worry, there are ways to find cheap auto insurance in Dallas. 

The Number One Tip To Getting Cheaper Auto Insurance In Dallas, TX

The most important thing you can do when looking for cheap auto insurance premiums is to shop around. Not all car insurance companies have the same priorities when it comes to how they structure their plans. Insurance companies have different packages and discounts that set them apart from each other. This means that the cheapest plan for you and the cheapest plan for your neighbor, might not be the same pan at all. The easiest way to shop multiple plans at once is find an auto insurance broker to help you compare all the available plans at once. They will help you find the right coverage for the cheapest price and make sure you get every available discount. 

Even More Ways To Lower Your Dallas Auto Insurance Premium

Most insurance companies use the same statistical risk tables to calculate your premiums but it’s the way they package their benefits and the discounts they offer that make a huge impact on what monthly premiums each person pays. Insurance premiums differ from person to person based on their unique demographics and other factors. 

• Drive an older car. If you haven’t already bought a car, consider buying used to get much lower insurance rates. If the car has certain safety features it might also qualify for additional discounts. 

• Pay your premium upfront or by auto-draft. Save a significant amount on premiums by paying yearly in a lump sum or by allowing your premiums to come out of your bank account automatically each month. 

• Be a safe driver. Having a clean driving record with no or very few claims to previous insurance companies will lower your rate. Sometimes you can take a defensive driving class for more money off. 

• Apply for all the discounts that are available to you. You can get discounts based on your driving history, grades, age, profession, or other affiliation. The discounts available to you might change over time so even if you already have a policy, it’s a good idea to review it once a year.