Do you want to learn how to find the cheapest Chevy Cruze insurance in Dallas? Searching for low-cost insurance for a Chevy Cruze in Texas can normally be difficult, but you can follow the following methods to save time.
There is a right way and a wrong way to find auto insurance online so we’re going to tell you the proper way to compare rates on a Chevy and get the best price possible.
The quickest method we recommend to compare rate quotes for Chevy Cruze insurance in Dallas is to understand auto insurance companies will pay a fee to quote your coverage. The only thing you need to do is spend a couple of minutes providing details such as whether you have decent credit, driver ages, if a SR-22 is required, and if it has an alarm system. Your rating data is automatically sent to multiple companies and you should receive rate quotes within a short period of time.
To check Chevy Cruze insurance prices now, click here and enter your zip code.
The companies shown below provide comparison quotes in Texas. If multiple providers are shown, we suggest you visit as many as you can in order to get a fair rate comparison.
You may qualify for discounts for Chevy Cruze insurance in Dallas
Some insurers don’t necessarily list the entire discount list very clearly, so we break down some of the best known and also the more inconspicuous credits that may apply to you. If you’re not getting every credit possible, you could be getting lower rates.
- Waiver for an Accident – Not necessarily a discount, but companies like Progressive, Allstate, and GEICO allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a specific time period.
- Passive Restraint Discount – Factory air bags or motorized seat belts can get savings of more than 20%.
- Early Switch Discount – Some companies reward drivers for buying a new policy prior to the expiration date on your current Cruze insurance policy. It’s a savings of about 10%.
- E-sign – Certain companies will discount your bill up to fifty bucks get Dallas car insurance on your computer.
- Driver’s Education for Students – Require your teen driver to successfully complete driver’s ed class in school or through a local driver safety program.
- Discounts for New Vehicles – Insuring a new Cruze may earn a small discount because newer vehicles have to meet stringent safety requirements.
- No Claim Discounts – Good drivers with no accidents have much lower rates when compared to bad drivers.
- ABS Brakes – Vehicles that have anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
- Auto/Home Discount – When you have multiple policies with the same company you may save up to 20% and get you cheap Cruze insurance.
We need to note that some of the credits will not apply to all coverage premiums. Most only cut specific coverage prices like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, you aren’t that lucky.
To see insurers that offer many of these discounts in Texas, follow this link.
Get rate quotes but buy from a local Dallas insurance agency
Many drivers just want to buy from a local agent. Agents can point out coverage gaps and help you file claims. One of the best bonuses of getting online price quotes is the fact that you can find better rates but also keep your business local. And buying from neighborhood agents is still important in Dallas.
Upon completion of this form (opens in new window), your coverage information gets sent to local insurance agents in Dallas who will give you bids for your auto insurance coverage. It’s much easier because you don’t need to search for an agent since price quotes are sent to you. If you wish to quote rates from a specific insurance company, you just need to jump over to their website to submit a rate quote request.
Listed below is a list of insurers in Dallas that are able to give price quote information for Chevy Cruze insurance in Dallas.
- Nationwide Insurance: Paula L Ratliff Agency Inc
11661 Preston Rd #146 – Dallas, TX 75230 – (214) 890-0760 – View Map
- Rodriguez Insurance Agency LLC
13111 N Central Expy Suite 8001 – Dallas, TX 75243 – (888) 797-1924 – View Map
- Thumann Agency, Inc
12770 Coit Rd Suite 110 – Dallas, TX 75251 – (972) 991-9100 – View Map
- Texas Insurance Pro
2695 Villa Creek Dr #175 – Dallas, TX 75234 – (214) 717-4326 – View Map
Finding the right insurance company needs to be determined by more than just the quoted price. These are some valid questions you should ask.
- Do they have cheaper tiers of coverage?
- What insurance companies do they recommend if they are an independent agent?
- Is auto insurance their primary focus in Dallas?
- Is there a local claims center in Dallas?
- Which company do they place the most coverage with?
- How often do they review coverages?
- Do they get extra compensation for selling add-on coverages?
- Can you use your own choice of collision repair facility?
Insurance coverages and their meanings
Learning about specific coverages of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.
This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as falling objects, hitting a bird, damage from getting keyed, damage from a tornado or hurricane and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things like scraping a guard rail, backing into a parked car and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible on your Cruze in order to get cheaper collision rates.
Uninsured and underinsured coverage
Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Chevy Cruze.
Since many Texas drivers only purchase the least amount of liability that is required (30/60/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like surgery, X-ray expenses, nursing services and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible
Coverage for liability
Liability insurance protects you from injuries or damage you cause to other people or property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 30/60/25 that translate to $30,000 bodily injury coverage, $60,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for things such as pain and suffering, attorney fees, medical expenses, bail bonds and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as high a limit as you can afford. Texas state law requires minimum liability limits of 30/60/25 but drivers should carry more liability than the minimum.
The next chart shows why buying the state minimum limits may not provide adequate coverage.
Be persistent and save
Consumers change insurance companies for a number of reasons such as not issuing a premium refund, extreme rates for teen drivers, denial of a claim and high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new company is not as hard as you think.
The cheapest Chevy Cruze insurance in Dallas is available online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies do not provide rate quotes online and most of the time these regional carriers sell through local independent agents.
We just presented many tips how you can get a better price on Chevy Cruze insurance in Dallas. It’s most important to understand that the more rate quotes you have, the better likelihood of getting affordable Dallas car insurance quotes. Drivers may even discover the most savings is with a small mutual company.
How to buy cheaper Chevy Cruze insurance in Dallas
Truthfully, the best way to quote cheaper Chevy Cruze insurance is to start doing a yearly price comparison from insurers that insure vehicles in Dallas. You can compare rates by following these guidelines.
First, get a basic knowledge of the coverage provided by your policy and the things you can control to prevent expensive coverage. Many things that cause rate increases such as your driving record and a negative credit history can be remedied by being financially responsible and driving safely.
Second, request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or State Farm, while agents who are independent can provide rate quotes from multiple sources.
Third, compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you find better rates and make a switch, make sure there is no coverage gap between policies.
A good piece of advice is that you use identical limits and deductibles on each price quote and and to get quotes from as many different companies as possible. Doing this provides a level playing field and a good representation of prices.
Additional detailed information is located by following these links:
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- How Much are Auto Insurance Rates for a Nissan Rogue in Dallas? (FAQ)
- How Much are Dallas Auto Insurance Quotes for a Toyota Corolla? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Property Damage Coverage (Liberty Mutual)