Dallas Car Insurance – Facts Behind the Rates

When it comes to Dallas car insurance, rates can vary from company to company. If you’re wondering why your rates have doubled, you probably need to take a serious look at your insurance company and agent. My experience as an insurance agent and underwriter has helped me provide literally hundreds of agents and consumers the following insider information in getting the best rates on their Dallas Insurance policies. Hopefully, with my insider information, you can save money on your car insurance the next time you shop around.

First of all, if you’re relocating to Dallas, you rates are second to only Houston, Texas. As a result, you may expeirence a little rate shock . Don’t worry, several factors go into Dallas’ car insurance rates. Some factors are easily avoided while others are completely out of your hands as a Dallas driver. According to the Texasure website, approximately 24% of the drivers in Dallas county have no insurance. As a result, increased accidents with uninsured drivers result in high uninsured motorist protection for some companies.

While individual Dallas drivers cannot determine whether they will have accidents with uninsured drivers, Dallas drivers can take heed to the my next point. Carpooling is a good way to lower your car insuranc 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 by using HOV lanes or public transportation, and fuel consumption. In fact, this is tip will save you gas, time, and insurance savings if your drive if you commute using 635.

No article about Dallas car insurance is complete without the typical recommendations found in every article written about car insurance. Here are a few extra hints that some of the discounts offered by Dallas insurance companies :
. Teachers, Doctors, Lawyers – Drivers that work inpreferred occupations that require a minimum of college degree and a high degree of decision making generally have better insurance rates.
. Hybrid Cars – Statistics have begun to show that drivers that have hybrid cars actually have fewer accidents involving other cars. Dallas insurance companies have begun implementing discounts for Hybrid cars.
. Good Student Discounts- Everyone wants their little Dallas driver in training to be a good driver. Most preferred insurance companies in Dallas will give discounts for young drivers that have a 3.0 GPA or higher. Besides, parents that add young drivers to their policies need all the help they can get.
. Multi-policy discounts – Let’s face it, if you have a $20,000 accident in Dallas, it will be a long time before you can make catch up to the amount the insurance company pays on your behalf. As a result, insurance companies give discounts for insuring your auto and home insurance with the same company.
. Accident forgiveness and Claims free discounts. – Nearly every standard insurance company that insures in Dallas (or the state of Texas for that matter) offers some level of discount or price reduction if you keep a clean driving record. The level of discount depends on the company and their overall pricing strategy.
As an experienced insurance agent, I realize that no two drivers, cars, or insurance companies 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.

To learn more about car insurance in Dallas or more information about insurance in Texas visit www.txinsurancepro.com.