Regrettably, most car insurance buyers in Texas kept buying from the same company for at least the last four years, and just under half have never quoted rates to find affordable coverage. Many drivers in the U.S. can cut their rates by about 47% a year by just comparing rate quotes, but they don’t want to spend time to compare other rate quotes.
Truthfully, the best way to get the cheapest auto insurance rates in Dallas is to start doing an annual price comparison from different companies who provide auto insurance in Texas. Rates can be compared by following these steps.
First, it will benefit you to learn about coverages and the measures you can control to prevent expensive coverage. Many factors that result in higher prices like your driving record and an unacceptable credit history can be controlled by making minor driving habit or lifestyle changes. Later in this article we will cover more ideas to prevent high rates and find additional discounts.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like Progressive or Allstate, while independent agents can provide prices from multiple companies. Compare rates now
Third, compare the new rate quotes to your existing policy and determine if there is any savings. If you can save some money and switch companies, make sure there is no lapse in coverage.
One bit of advice is to use similar deductibles and liability limits on each quote request and and to get prices from as many car insurance companies as possible. Doing this helps ensure a level playing field and a complete price analysis.
If you have insurance now, you will definitely be able to shop for the lowest rates using this information. Comparing quotes for the best-priced coverage in Dallas can be fairly easy. But Texas vehicle owners can benefit by having an understanding of the way companies determine prices and use it to find better rates.
The best way we recommend to compare car insurance rates for Toyota Rav4 Hybrid insurance in Dallas is to know the fact auto insurance companies will pay a fee to provide you with a free rate quote. All you need to do is give them some information including how you use your vehicles, whether or not you need a SR-22, the make and model of your vehicles, and daily mileage. Your rating data gets sent immediately to all major companies and they return rate quotes very quickly.
If you would like to start a quote now, click here and complete the quick form.
The companies shown below are our best choices to provide quotes in Dallas, TX. If multiple companies are shown, we suggest you visit two to three different companies in order to get a fair rate comparison.
When to get professional advice
When choosing the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different so your insurance should reflect that
These are some specific questions may help highlight if your insurance needs will benefit from professional help.
- Does my car insurance cover rental cars?
- Will my Toyota Rav4 Hybrid be repaired with OEM or aftermarket parts?
- When can my company non-renew my policy?
- Does my insurance cover a custom paint job?
- What is an adequate liability insurance limit?
- How much cheaper are high deductibles?
- Am I covered if I wreck a rental car?
If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Insurance agencies near you
A small number of people still like to talk to an insurance agent and doing so can bring peace of mind One of the great benefits of comparing rates online is the fact that you can find cheap auto insurance rates and still have an agent to talk to.
Once you complete this form (opens in new window), your information is emailed to local insurance agents in Dallas who can give free rate quotes to get your business. You don’t have to visit any agencies due to the fact that quote results will go to the email address you provide. You can find better rates and a licensed agent to talk to. If you need to compare prices from a particular provider, you just need to visit that company’s website and fill out the quote form the provide.
Choosing an provider requires you to look at more than just a cheap quote. The following questions are important to ask.
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- If independent agents, which companies do they recommend?
- What kind of financial rating does the company have?
- Do they have designations such as AIC, CPCU, or CIC?
- Do the coverages you’re quoting properly cover your vehicle?
When searching for a local Dallas insurance agency, it’s important to understand the different types of agencies from which to choose. Auto insurance agents are either exclusive or independent agents depending on their company appointments.
Exclusive Auto Insurance Agents
Agents that choose to be exclusive are contracted to one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot compare rates from other companies so they really need to provide good service. Exclusive agents are usually quite knowledgeable on their products and sales techniques which helps them sell on service rather than price. Consumers sometimes purchase coverage from exclusives mainly due to the brand legacy rather than having low rates.
Shown below are Dallas exclusive insurance agencies willing to provide price quote information.
- Ruth Shannon – State Farm Insurance Agent
18217 Midway Rd #134 – Dallas, TX 75287 – (972) 735-9797 – View Map
- Brent Holtz – State Farm Insurance Agent
3427 E Trinity Mills Rd #601 – Dallas, TX 75287 – (972) 306-1234 – View Map
- State Farm Insurance: Scott LaDuke Agency
2702 McKinney Ave #203 – Dallas, TX 75204 – (214) 740-1800 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent are not limited to a single company so as a result can place your coverage with any number of different companies and potentially find a lower price. If your premiums go up, they simply switch companies in-house and you don’t have to do anything. If you need cheaper auto insurance rates, you definitely need to get rate quotes from a couple of independent agencies so that you can do a thorough price comparison. Most can insure with additional companies that you may not be familiar with which can be an advantage.
The following are Dallas independent agencies that can give you price quotes.
- Ross “Pistol” Love – Love Insurance Agency
5400 E Mockingbird Ln #224 – Dallas, TX 75206 – (214) 843-0772 – View Map
- Bankhead Insurance Agency LLC
10935 Estate Ln #380 – Dallas, TX 75238 – (214) 343-1333 – View Map
- La Familia Auto Insurance
8702 Spring Valley Rd – Dallas, TX 75240 – (972) 586-7488 – View Map
If you receive reasonable responses to these questions as well as offering an affordable quote, it’s a good possibility that you have found an insurance agency that meets the criteria to provide auto insurance coverage. But keep in mind you are able to cancel your coverage whenever you wish so never feel that you are obligated to any specific agency for any length of time.