How long has it been since you sat down and looked for more competitive car insurance rates in Dallas, TX? Dallas buyers have lots of choices when searching for low-cost Chevy Captiva Sport insurance. They can either waste time struggling with agents to get rate comparisons or save time using the internet to make rate comparisons. There are more efficient ways to shop for car insurance so we’re going to tell you the best way to price shop coverage for a new or used Chevy and locate the best price possible from both online companies and Dallas agents.
Consumers should take time to price shop coverage quite often because car insurance rates are constantly changing. Even if you got the best premium rates on Chevy Captiva Sport insurance in Dallas a few years ago other companies may now be cheaper. Ignore everything you know about car insurance because it’s time to teach you one of the quickest ways to find lower rates on car insurance.
The providers in the list below can provide free quotes in Dallas, TX. If the list has multiple companies, we recommend you visit as many as you can in order to get a fair rate comparison.
Score discounts on Dallas auto insurance
Insuring your fleet can be pricey, but you might already qualify for some discounts that you may not know about. Certain discounts will be applied at quote time, but occasionally some discounts must be specifically requested in order for you to get them.
- Renewal Discounts – Some larger companies reward drivers for buying a policy early. It can save you around 10%.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like State Farm, Progressive and GEICO will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free for a specific time period.
- Policy Bundle Discount – If you combine your auto and homeowners policies with one company you may save at least 10% off all policies.
- Low Mileage Discounts – Low annual miles could qualify for cheaper auto insurance rates.
- Active Service Discounts – Having a family member in the military may lower your premium rates slightly.
- Drivers Ed for Students – Teen drivers should successfully complete driver’s ed class as it will make them better drivers and lower rates.
- Seat Belt Discounts – Drivers who require all occupants to fasten their seat belts could save 15% on medical payment and PIP coverage.
As is typical with insurance, some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, it’s just not the way it works.
Some of the larger companies that may offer policyholders some of the discounts shown above include:
When getting a coverage quote, ask each company which credits you are entitled to. All car insurance discounts may not apply to policyholders in your state. For a list of insurance companies that have a full spectrum of discounts in Texas, click this link.
Do I need an insurance agency?
A small number of people would rather buy from a local agent. Insurance agents can help determine the best coverages and give you someone to call. A good thing about comparing insurance prices online is the fact that drivers can get cheap rate quotes and still have a local agent.
Once you complete this simple form, your coverage information is sent to local insurance agents who will give you bids for your business. You don’t have to contact an agency because quoted prices will be sent to you instantly. If you need to compare rates from a specific insurance provider, you would need to jump over to their website to submit a rate quote request.
Choosing the best insurance company requires you to look at more than just the quoted price. Any good agent in Dallas should know the answers to these questions.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they offer rental car reimbursement?
- Has the agent ever had any license suspensions?
- How would your car be valued if totaled?
- When do they do a full risk review?
Once you have received positive feedback to any questions you may have as well as a affordable price, you’ve probably found a company that can be relied on to adequately provide insurance.
Three main reasons to buy auto insurance
Despite the fact that auto insurance is not cheap in Dallas, buying auto insurance is a good idea for several reasons.
- The majority of states have mandatory liability insurance requirements which means you are required to carry a specific level of liability coverage in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Captiva Sport has a lienholder, it’s most likely the lender will require that you have physical damage coverage to protect their interest in the vehicle. If you let the policy lapse, the lender may insure your Chevy for a lot more money and require you to reimburse them for the expensive policy.
- Insurance protects both your vehicle and your assets. Insurance will pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of having auto insurance more than offset the price you pay, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $750 every year so it’s recommended you shop around at every renewal to ensure rates are competitive.
What insurance coverages do you need?
Understanding the coverages of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.
Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as rolling your car, crashing into a ditch, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible on your Captiva Sport in order to get cheaper collision rates.
Comprehensive auto coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like falling objects, a tree branch falling on your vehicle and hitting a bird. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chevy Captiva Sport.
Because many people have only the minimum liability required by law (30/60/25 in Texas), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.
Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for bills like prosthetic devices, funeral costs, nursing services, doctor visits and surgery. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Liability insurance – This coverage protects you from damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 30/60/25 which stand for a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and property damage coverage for $25,000.
Liability can pay for things like pain and suffering, structural damage, funeral expenses, medical services and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Texas state minimum liability requirements are 30/60/25 but it’s recommended drivers buy higher limits.
The chart below demonstrates why the minimum limit may not be adequate.
A conclusion for your auto insurance search
We just covered some good ideas how to get a better price on Chevy Captiva Sport insurance in Dallas. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from the least-expected company.
When shopping online for auto insurance, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where someone dropped full coverage and discovered at claim time that it was a big error on their part. Your objective should be to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.
People who switch companies do it for a variety of reasons including policy cancellation, unfair underwriting practices, being labeled a high risk driver or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching auto insurance companies is pretty easy and you might even save some money in the process.
Steps to buying lower priced Chevy Captiva Sport insurance in Dallas
If saving money is your primary concern, then the best way to get more affordable Chevy Captiva Sport insurance in Dallas is to make a habit of comparing prices annually from insurance carriers who provide auto insurance in Texas.
- It will benefit you to learn about what coverages are included in your policy and the things you can change to prevent expensive coverage. Many policy risk factors that cause rate increases such as speeding tickets, accidents and a not-so-good credit score can be eliminated by making small lifestyle or driving habit changes.
- Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.
- Compare the quotes to the premium of your current policy and determine if cheaper Captiva Sport coverage is available in Dallas. If you can save money and switch companies, ensure there is no coverage lapse between policies.
- Provide proper notification to your current company to cancel your current coverage and submit the signed application along with the required initial payment for your new coverage. Immediately upon receiving it, store the proof of insurance paperwork above your visor, in the console, or in the glove compartment.
A crucial key to this process is to make sure you enter the same physical damage deductibles and liability limits on each quote and and to get quotes from as many different companies as possible. This helps ensure an accurate price comparison and and a good selection of different prices.
Other learning opportunities
- Five Mistakes to Avoid (Insurance Information Institute)
- Who Has Cheap Car Insurance After a Speeding Ticket in Dallas? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Think You’re a Safe Driver? (State Farm)