When it comes to Dallas car insurance, Dallas insurance can get rather expensive if you don’t know what you’re doing. As an insurance agent, it is my duty to tell you the truth behind why your rates are so ridiculously high. Hopefully, with my insider information, you can save money on your car insurance the next time you shop around.
The 2013 hail storms could mean higher Dallas car insurance premiums
Unfortunately for many residents of Dallas, 2012 turned out to be a bad year catastrophic hail claims. According to insurance industry insiders, the hail storms of 2012 may ultimately responsible for over $2 Billion in hail losses. Those hail losses may ultimately cost consumers by increasing the amount consumers pay for comprehensive coverage on their car insurance policies.
Uninsured Motorists on the decline in Dallas, Texas
On the average, Dallas insurance rates are second to only Houston, Texas. Many factors go into Dallas’ car insurance rates, some factors are easily avoided while others are completely out of your hands. In 2010, the Texasure website reported that approximately 24% of the drivers in Dallas county have no insurance. As of March 2012, the Texas Department of Insurance reported that number of uninsured drivers have reduced to approximately 20% of all Texas drivers. That’s an encouraging trend for the pricing of uninsured motorists coverage and for residents of the DFW metroplex.
Lower your car insurance through usage based programs
However, the ever growing congestion in Dallas continues to be troubling trend. With commutes in Dallas becoming longer and longer, carpooling continues offer a viable solution to reducing your car insurance rates. So if you commute less 3 days per week or less than 3 miles per day, you could qualify for pleasure rates with some insurance companies. While each company is different, Dallas drivers would be hard pressed to find an easier way to save money. By carpooling, drivers save on vehicle wear and tear, commute time, and fuel consumption.
Progressive Snapshot is an alternative to saving money on auto coverages.
Progressive Insurance recently released their Snapshot device. When installed, the snapshot device recognizes drivers with low commutes, superior breaking and acceleration habits. As a result, safe drivers are rewarded with potential discounts on their auto insurance. The snapshot may also be a good alternative for Dallas drivers that utilize local trains, and other forms of public transit in order to commute to work. Progressive’s usage based rating is the first system of it’s kind. Dependent upon it’s success, expect more companies to create their own versions of this insurance rating innovation.
Dallas car insurance Discounts
No article about Dallas car insurance is complete without the typical recommendations found in every article written about car insurance. Some insurance companies in Dallas give car insurance discounts for many of the following factors:
- White collar professions like Teachers, Doctors, Lawyers,
- New car and Hybrid Car discounts,
- Good Student, teensurance, education and training programs for young drivers,
- multi-policy discounts, accident forgiveness and many additional discounts.
In my experience as an insurance agent, I come to the realization no two insurance companies are the same. Also, no two drivers are the same. When looking for the best car insurance rates in places like Dallas, TX; it pays to shop with an independent agent that can compare several companies and find you the best rates.