If saving money is your primary concern, then the best way to save money on car insurance rates in Dallas is to compare prices once a year from companies who sell insurance in Texas. You can shop around by following these steps.
Step 1: Try to learn about how car insurance works and the modifications you can make to prevent rate increases. Many things that increase rates like tickets, at-fault accidents, and a bad credit score can be rectified by paying attention to minor details. This article gives additional ideas to help prevent high rates and find more discounts that you may not know about.
Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can provide price quotes from multiple sources. View a list of agents
Step 3: Compare the price quotes to your current policy premium to see if cheaper Cobalt coverage is available. If you can save money and decide to switch, ensure there is no coverage lapse between policies.
Step 4: Provide notification to your current agent or company to cancel your current car insurance policy. Submit the signed application along with the required initial payment to the new company. Once received, place the new certificate verifying proof of insurance in your vehicle.
An important bit of advice to remember is to use identical deductibles and limits on each price quote and and to get quotes from as many companies as you can. This helps ensure a level playing field and a thorough price selection.
It’s an obvious conclusion that car insurance companies don’t want their customers to go rate shopping. Drivers who shop around for cheaper price quotes are highly likely to switch car insurance companies because there is a good chance of finding a lower-cost company. A study discovered that people who shopped around every year saved about $70 a month compared to policyholders who didn’t regularly shop around.
If finding the best rates on insurance in Dallas is the reason you’re reading this, then learning a little about the best way to quote and compare coverages can save time, money, and frustration.
If you currently have auto insurance, you will surely be able to buy cheaper auto insurance using the ideas covered in this article. This article’s intent is to tell you the best way to quote coverages and some tricks to saving. Although Texas vehicle owners do need to know how big insurance companies determine how much to charge and take advantage of how the system works.
Many insurance companies give insurance quotes online. Getting online rates for Chevy Cobalt insurance in Dallas doesn’t take a lot of time as you just enter the coverage amounts you desire as detailed in the form. After the form is submitted, their quoting system makes automated requests for your driving and credit reports and quotes a price based on the data you entered.
Using the web to get rates for Chevy Cobalt insurance in Dallas makes it simple to compare prices and it’s very important to perform this step in order to find the most affordable insurance rates.
To save time and fill out one form to compare multiple rates now, check out the insurance providers below. If you currently have coverage, we recommend you copy the coverages exactly as shown on your declarations page. Doing this guarantees you will get an apples-to-apples comparison based on similar coverages.
The companies shown below are our best choices to provide free rate quotes in Texas. If multiple providers are shown, we recommend you get rates from several of them in order to find the most competitive rates.
Chevy Cobalt insurance rates and statistics
The rate table shown next covers estimates of insurance premium costs for Chevy Cobalt models. Understanding more about how prices are formulated can benefit drivers when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $136 | $360 | $452 | $26 | $136 | $1,110 | $93 |
| Cobalt XFE 4-Dr Sedan | $136 | $360 | $452 | $26 | $136 | $1,110 | $93 |
| Cobalt LS 2-Dr Coupe | $156 | $360 | $500 | $30 | $150 | $1,196 | $100 |
| Cobalt XFE 2-Dr Coupe | $156 | $360 | $500 | $30 | $150 | $1,196 | $100 |
| Cobalt LT 4-Dr Sedan | $156 | $360 | $452 | $26 | $136 | $1,130 | $94 |
| Cobalt LT 2-Dr Coupe | $176 | $360 | $500 | $30 | $150 | $1,216 | $101 |
| Cobalt SS Turbo 2-Dr Coupe | $196 | $470 | $500 | $30 | $150 | $1,346 | $112 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in Dallas location which can influence prices noticeably.
Insurance deductibles
When comparing insurance rates, the most common question is how high or low should comp and collision deductibles be. The data tables below sum up the differences in premium rates when you select higher and lower comp and collision deductibles. The first data table uses a $100 comprehensive and collision deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $286 | $698 | $430 | $26 | $128 | $1,593 | $133 |
| Cobalt XFE 4-Dr Sedan | $286 | $698 | $430 | $26 | $128 | $1,593 | $133 |
| Cobalt LS 2-Dr Coupe | $328 | $698 | $476 | $28 | $142 | $1,697 | $141 |
| Cobalt XFE 2-Dr Coupe | $328 | $698 | $476 | $28 | $142 | $1,697 | $141 |
| Cobalt LT 4-Dr Sedan | $328 | $698 | $430 | $26 | $128 | $1,635 | $136 |
| Cobalt LT 2-Dr Coupe | $370 | $698 | $476 | $28 | $142 | $1,739 | $145 |
| Cobalt SS Turbo 2-Dr Coupe | $412 | $908 | $476 | $28 | $142 | $1,991 | $166 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $208 | $472 | $430 | $26 | $128 | $1,264 | $105 |
| Cobalt XFE 4-Dr Sedan | $208 | $472 | $430 | $26 | $128 | $1,264 | $105 |
| Cobalt LS 2-Dr Coupe | $240 | $472 | $476 | $28 | $142 | $1,358 | $113 |
| Cobalt XFE 2-Dr Coupe | $240 | $472 | $476 | $28 | $142 | $1,358 | $113 |
| Cobalt LT 4-Dr Sedan | $240 | $472 | $430 | $26 | $128 | $1,296 | $108 |
| Cobalt LT 2-Dr Coupe | $270 | $472 | $476 | $28 | $142 | $1,388 | $116 |
| Cobalt SS Turbo 2-Dr Coupe | $300 | $614 | $476 | $28 | $142 | $1,560 | $130 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Information does not factor in specific location which can revise premium rates considerably.
Based on this data, using a $100 deductible could cost the average driver approximately $29 more each month or $348 for a full year than quoting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 14 months between claims, you would probably be better off if you choose a higher deductible.
The information below shows how different deductible levels and can impact Chevy Cobalt yearly insurance costs for each different age group. The information is based on a married male driver, full coverage, and no discounts are taken into consideration.
Rate comparison of male drivers versus female drivers
The information below compares Chevy Cobalt auto insurance costs for male and female drivers. The information is based on no accidents or driving violations, full physical damage coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.
Cheaper Chevy Cobalt insurance in Dallas
The price of auto insurance can be rather high, but there may be some discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically when you purchase, but a few must be requested specifically before you get the savings.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents so companies give up to a 10% discount.
- Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
- Telematics Data – People who choose to allow their company to look at driving manner by using a telematic data system like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.
- Sign Early and Save – A few insurance companies allow discounts for switching policies before your current expiration date. You could save around 10% when you buy Dallas car insurance online.
- Low Mileage Discounts – Fewer annual miles on your Chevy can qualify you for lower rates due to less chance of an accident.
Don’t be shocked that most of the big mark downs will not be given the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.
The chart below illustrates the comparison of Chevy Cobalt insurance rates with and without some available policy discounts. The costs are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, claim-free, homeowner, and safe-driver discounts applied.
Large car insurance companies and their offered discounts are shown below.
- Farmers Insurance offers discounts for multi-car, switch companies, distant student, early shopping, youthful driver, and bundle discounts.
- Esurance includes discounts for emergency road assistance, DriveSense, multi-policy, multi-car, online shopper, claim free, and safety device.
- State Farm has savings for anti-theft, multiple policy, Steer Clear safe driver discount, Drive Safe & Save, accident-free, and safe vehicle.
- GEICO may offer discounts for membership and employees, seat belt use, anti-theft, defensive driver, and federal employee.
- Allstate has discounts for passive restraint, 55 and retired, teenSMART discount, good student, premier discount, defensive driver, and good payer.
When comparing rates, check with all the companies what discounts are available to you. A few discounts might not apply in your state. To see insurance companies who offer online Chevy Cobalt insurance quotes in Dallas, click here to view.
Insuring your Cobalt just makes sense
Despite the fact that insurance is not cheap in Dallas, insurance is required for several reasons.
- Most states have minimum liability requirements which means the state requires a specific level of liability insurance coverage if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Cobalt, almost all lenders will make it a condition of the loan that you have full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may buy a policy for your Chevy at a much higher premium rate and require you to pay a much higher amount than you were paying before.
- Insurance protects not only your Chevy but also your assets. It also can pay for medical transport and hospital expenses that are the result of an accident. One policy coverage, liability insurance, will also pay attorney fees if you are sued as the result of an accident. If your Chevy gets damaged, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of buying enough insurance outweigh the cost, particularly when you have a large claim. The average driver in America is currently overpaying as much as $869 every year so compare quotes from several companies once a year at a minimum to help ensure money is not being wasted.
Insurance agents can give valuable advice
Certain consumers would rather get professional advice from a licensed agent and that is OK! One of the great benefits of comparing insurance online is that drivers can save money and get better rates and still choose a local agent. Supporting local agencies is still important in Dallas.
Upon completion of this short form, your insurance coverage information is instantly submitted to insurance agents in Dallas who will return price quotes and help you find cheaper coverage. You never need to leave your house since price quotes are sent immediately to you. You can find better rates and a licensed agent to work with. If you have a need to compare prices from a specific insurance company, you can always find their quoting web page and fill out the quote form the provide.
When researching a local insurance agency, it’s important to understand the types of insurance agents that you can select. Insurance agencies in Dallas can be described as either exclusive agents or independent agents.
Independent Insurance Agents
Independent agents do not sell for just one brand so they can write business through many different insurance companies and potentially find a lower price. If premiums increase, an independent agent can move your coverage which requires no work on your part. When comparing insurance prices, you definitely need to include price quotes from at a minimum one independent agency so that you can do a thorough price comparison. Many independent agencies also insure through companies you’ve never heard of which can save you money.
Listed below is a small list of independent insurance agents in Dallas who may be able to give you price quote information.
- Oak Lawn Insurance
5200 Lemmon Ave #105, Dallas, TX 75209, USA – TX 75209, TX USA – (214) 521-2212 – View Map - Nationwide Insurance: Comparable Insurance Agency Inc
9750 Walnut St Ste 106 – Dallas, TX 75243 – (214) 575-2750 – View Map - The Phoenix Insurance
11615 Forest Central Dr #103 – Dallas, TX 75243 – (214) 253-0570 – View Map
Exclusive Insurance Agents
Agents of this type write business for a single company such as Farmers Insurance, American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive agencies are very knowledgeable on sales techniques and that can be a competitive advantage. Consumers sometimes use the same agent primarily because of the brand and solid financial strength.
Shown below is a short list of exclusive agencies in Dallas that can give you price quotes.
- State Farm: Brent Cooper
5232 Forest Ln #111 – Dallas, TX 75244 – (214) 987-1995 – View Map - Jon Essary – State Farm Insurance Agent
1214 W Davis St – Dallas, TX 75208 – (214) 948-6000 – View Map - John Hall – State Farm Insurance Agent
3110 Webb Ave #205 – Dallas, TX 75205 – (972) 807-2051 – View Map
Picking an insurance agency needs to be determined by more than just the quoted price. These are some valid questions you should ask.
- If you have an accident, will your rates go up?
- Are they able to influence company decisions when a claim is filed?
- What company holds the largest book of business for them?
- Is the coverage adequate for your vehicle?
- Which companies do they recommend if they are an independent agency?
- How long has the business existed?
- Do they carry Errors and Omissions coverage?
- How long have they worked with personal auto insurance coverage?