Having to pay for high-priced insurance in Dallas can drain your funds and force you to prioritize other expenses. Getting a rate comparison can save money and help to tighten up your finances.

A recent insurance study discovered that nearly 70% of Texas drivers kept their policy with the same company for four years or more, and almost 40% of drivers have never even compared rates from other companies. American consumers could save themselves $860 a year by just shopping around, but they underestimate the amount of money they would save if they swap their current policy for a cheaper one.

Since people have many insurance companies to choose from, it can be challenging to pick the most affordable insurance company.

You should take the time to get comparison quotes before your next renewal because insurance prices change regularly. Just because you had the best price on insurance a couple years back there may be better deals available now. Ignore everything you know about insurance because you're going to learn the only way to find lower rates on insurance.

Finding and comparing more affordable policy in Dallas is not that difficult. In a nutshell, every person who comparison shops for car insurance will most likely find a lower price. Nevertheless, Texas car owners benefit from understanding how the larger insurance companies charge you for coverage because it can help you find the best coverage.

Free Dallas auto insurance quotes

When shopping for affordable Dallas car insurance quotes, there are a couple of ways to obtain and compare prices from many different Texas insurance companies. The fastest way to lower the rate you pay for insurance is to get quotes online.

Online shopping is fast and free, and it makes it obsolete to spend time driving to insurance agencies in your area. The fact that you can get quotes online makes this process obsolete unless you prefer the professional assistance that you can only get from talking to an agent. You can, however, comparison shop your insurance online but buy the policy through an agent.

When comparison shopping, comparing a large number of companies will increase your chances of finding lower pricing.

The providers in the list below have been selected to offer free quotes in Dallas, TX. To find cheaper car insurance in Texas, it's a good idea that you visit as many as you can in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Dallas
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,308 $654 $109
Chevrolet Silverado LTZ Crew Cab 2WD $1,014 $507 $85
Dodge Ram Crew Cab Sport 2WD $1,394 $697 $116
Ford Edge SE AWD $888 $444 $74
Ford Escape XLS 4WD $1,016 $508 $85
Ford Explorer Limited AWD $1,352 $676 $113
Ford F-150 Lariat King Ranch 4WD $1,304 $652 $109
Ford Focus SE 2-Dr Coupe $1,482 $741 $124
Honda Accord EX-L 4-Dr Sedan $934 $467 $78
Honda CR-V EX-L 2WD $1,152 $576 $96
Honda Civic LX 2-Dr Coupe $1,282 $641 $107
Honda Odyssey EX W/Rear Entertainment $1,122 $561 $94
Hyundai Elantra SE 4-Dr Sedan $1,396 $698 $116
Hyundai Sonata GLS 4-Dr Sedan $1,604 $802 $134
Kia Optima SX $1,546 $773 $129
Nissan Altima 3.5 SR 2-Dr Coupe $1,452 $726 $121
Toyota Camry Hybrid $1,126 $563 $94
Toyota Corolla XRS $1,302 $651 $109
Toyota Tacoma Double Cab 4WD $1,148 $574 $96
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in vehicle garaging location which can impact rates greatly.

Physical damage deductibles

One of the most common car insurance questions is which deductible level should you buy. The figures shown below can help show how much more rates are between low and high physical damage coverage deductibles. The first rate estimation uses a $100 physical damage deductible and the second data table uses a $500 deductible.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Civic insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $286 $592 $382 $22 $114 $1,421 $118
Civic VP 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic LX 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic DX 2-Dr Coupe $286 $698 $476 $28 $142 $1,655 $138
Civic EX 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic LX-S 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Civic LX 2-Dr Coupe $286 $804 $476 $28 $142 $1,761 $147
Civic EX-L 4-Dr Sedan $328 $804 $382 $22 $114 $1,675 $140
Civic SI 4-Dr Sedan $328 $804 $382 $22 $114 $1,675 $140
Civic EX 2-Dr Coupe $328 $804 $476 $28 $142 $1,803 $150
Civic GX 4-Dr Sedan $328 $804 $382 $22 $114 $1,675 $140
Civic EX-L 2-Dr Coupe $328 $804 $476 $28 $142 $1,803 $150
Civic Hybrid 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Civic SI 2-Dr Coupe $370 $908 $476 $28 $142 $1,949 $162
Get a Quote for Your Vehicle Go
Honda Civic insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $208 $400 $382 $22 $114 $1,126 $94
Civic VP 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic LX 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic DX 2-Dr Coupe $208 $472 $476 $28 $142 $1,326 $111
Civic EX 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic LX-S 4-Dr Sedan $208 $472 $382 $22 $114 $1,198 $100
Civic LX 2-Dr Coupe $208 $542 $476 $28 $142 $1,396 $116
Civic EX-L 4-Dr Sedan $240 $542 $382 $22 $114 $1,300 $108
Civic SI 4-Dr Sedan $240 $542 $382 $22 $114 $1,300 $108
Civic EX 2-Dr Coupe $240 $542 $476 $28 $142 $1,428 $119
Civic GX 4-Dr Sedan $240 $542 $382 $22 $114 $1,300 $108
Civic EX-L 2-Dr Coupe $240 $542 $476 $28 $142 $1,428 $119
Civic Hybrid 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Civic SI 2-Dr Coupe $270 $614 $476 $28 $142 $1,530 $128
Get a Quote for Your Vehicle Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Table data does not factor in vehicle garaging location which can change coverage rates noticeably.

We can estimate from the data above that using a $100 deductible costs an average of $30 more each month or $360 for a full year than requesting the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 13 months between claims, you would probably save some money by going with a higher deductible. Here is how this calculation is made.

Average monthly premium for $100 deductibles: $138
Average monthly premium for $500 deductibles (subtract): - $108
Monthly savings from raising deductible: $30
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

An important sidenote is that a higher deductible means you will have to pay more if you have a claim. It will be required that you have enough money in the bank in the event you have to pay more for the deductible.

Three reasons to insure your vehicle

Even though rates can get expensive, insurance serves several important purposes.

The benefits of having insurance are without a doubt worth the cost, especially when you need to use it. An average driver in America is overpaying more than $830 a year so it's recommended you shop around each time the policy renews to ensure rates are inline.

Do you qualify for discounts on auto insurance?

Car insurance is not cheap, but you may qualify for discounts that you may not even know about. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be inquired about prior to receiving the credit.Auto insurance discounts

One thing to note about discounts is that some credits don't apply to your bottom line cost. Most cut specific coverage prices like medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, that's just not realistic.

If you would like to see a list of auto insurance companies that offer many of these discounts in Dallas, click here to view.

Get rate quotes but work with a local Dallas insurance agent

Some consumers still like to get professional advice from a licensed agent and that is a personal choice. One of the great benefits of comparing rates online is the fact that you can find better rates but still work with a licensed agent. Supporting local agencies is still important in Dallas.

Insurance agents in DallasTo help locate an agent, after submitting this short form, the quote information is instantly submitted to local insurance agents in Dallas who will give competitive quotes for your insurance coverage. It makes it easy because there is no need to contact an agency because prices are sent instantly to you. You can find lower rates AND an agent nearby. In the event you want to get a comparison quote from one company in particular, you can always jump over to their website to submit a rate quote request.

When looking for a reputable insurance agent or broker, there are two types of agencies that differ in how they can insure your vehicles. Insurance agencies are either exclusive or independent (non-exclusive).

Independent Insurance Agents

Agents of this type do not work for one specific company so they can quote policies with many different companies and help determine which has the cheapest rates. If premiums increase, they simply move your policy to a different company and you don't have to do anything. When comparing insurance rates, it's a good idea to get insurance quotes from several independent insurance agents to ensure the widest selection of prices.

Shown below are independent agencies in Dallas that can possibly get you free price quotes.

11615 Forest Central Dr #103 - Dallas, TX 75243 - (214) 253-0570 - View Map

5001 Spring Valley Rd #400e - Dallas, TX 75244 - (972) 250-1776 - View Map

6300 Samuell Blvd #05 - Dallas, TX 75228 - (214) 275-8372 - View Map

More Dallas agents

Exclusive Insurance Agents

Exclusive agencies can usually just insure with one company such as Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to provide prices from multiple companies so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are well trained on their company's products and that allows them to sell at a higher price point.

Shown below are exclusive agencies in Dallas who can help you get comparison quotes.

4444 W Jefferson Blvd Ste 620 - Dallas, TX 75211 - (214) 331-7680 - View Map

1350 N Buckner Blvd #218 - Dallas, TX 75218 - (214) 324-7676 - View Map

17304 Preston Rd Ste 125 - Dallas, TX 75252 - (972) 233-2222 - View Map

More Dallas agents

Deciding on an car insurance agent should depend on more than just the bottom line cost. A good agent in Dallas will have answers to these questions.

Car insurance coverage considerations

Knowing the specifics of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by car insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle and theft. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Lowest and Highest Car Insurance Comprehensive Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevy Silverado 2500 Bentley Continental GT
Smart ForTwo Maserati Granturismo
GMC Sierra 2500 Porsche Panamera GTS
Volvo V60 Bentley Continental GTC
Nissan Xterra Maserati Quattroporte
Nissan Leaf BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like X-ray expenses, doctor visits, pain medications, nursing services and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Vehicle Make and Models with the Lowest and Highest Medical Payment Claims
Lowest Claim Amount Highest Claim Amount
Ford F-350 SuperCrew Dodge Charger
Chevrolet Corvette Mitsubishi Lancer
Audi A4 Allroad Mitsubishi Mirage
Chevrolet Silverado 2500 Hyundai Accent
Tesla Model S Nissan Versa
Land Rover Range Rover Sport Chevrolet Spark

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your vehicle.

Since many Texas drivers carry very low liability coverage limits (30/60/25), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are identical to your policy's liability coverage.

Liability insurance

Liability coverage protects you from injuries or damage you cause to a person or their property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 30/60/25 that means you have $30,000 bodily injury coverage, $60,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like medical services, emergency aid and court costs. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing more liability than the minimum.

Lowest and Highest Bodily Injury Liability Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Volvo XC60 Chevrolet Impala
Fiat 500 Dodge Charger
Subaru Outback Kia Optima
Chevrolet Corvette Chevrolet Sonic
Acura MDX Kia Rio
Audi A6 Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision insurance

Collision coverage covers damage to your vehicle from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, colliding with another moving vehicle, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Collision Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Bentley Continental Flying Spur
Ford Edge Ferrari 458
Mini Cooper Nissan GT-R
Jeep Wrangler Bently Continental GT
Smart ForTwo Audi RS7
Ford F-250 SuperCab Maserati Ghibli

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheaper coverage is out there

Cheap auto insurance in Dallas can be bought on the web and also from your neighborhood Dallas agents, so you need to shop Dallas car insurance with both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and usually these smaller providers sell through independent insurance agencies.

We just covered a lot of ways to find cheaper coverage online. The key concept to understand is the more quotes you get, the better likelihood of getting the cheapest Dallas car insurance quotes. You may even find the best price on auto insurance is with an unexpected company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

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