Have you finally had enough of paying out the nose to pay insurance each month? Your situation is no different than the majority of other vehicle owners in Texas.
It’s safe to assume that car insurance companies don’t want customers comparing rates. Consumers who shop around for cheaper price quotes are inclined to buy a new policy because there is a great chance of finding coverage at a cheaper rate. A recent insurance study discovered that drivers who regularly compared rates saved over $865 annually as compared to drivers who never compared other company’s rates.
If finding the lowest rates on auto insurance in Dallas is your target objective, then having some insight into how to shop and compare coverages can make it easier to shop your coverage around.
Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate continually hit you with fancy advertisements and it is difficult to ignore the propaganda and do the work needed to find the best deal.
It is always a good idea to get comparison quotes quite often since insurance prices fluctuate regularly. Despite the fact that you may have had the best rate on Hyundai Sonata Hybrid insurance in Dallas six months ago you can probably find a lower rate today. Block out anything you think you know about insurance because it’s time to teach you one of the easiest ways to properly buy coverages and cut your premium.
To get low cost Dallas car insurance quotes, there a variety of ways to compare prices from lots of Texas insurance companies. The easiest way to do a complete rate comparison is to jump online and get quotes.
Doing price comparisons online is so simple that it makes it a waste of time to go to insurance agencies in your area. The ability to get quotes online makes this process obsolete unless you require the trained advice that only a licensed agent can provide. You can, however, get prices online and get advice from an agent in your area.
When price shopping your coverage, getting more free quotes gives you a better chance of getting lower pricing.
The providers in the list below are ready to provide free rate quotes in Dallas, TX. If multiple companies are listed, we recommend you visit several of them to get the most competitive price.
Cheaper Hyundai Sonata Hybrid insurance in Dallas
Car insurance companies don’t necessarily list the entire discount list in a way that’s easy to find, so the list below contains a few of the more well known and also the more inconspicuous credits that you can use to lower your rates. If you don’t get every credit available, you’re just leaving money on the table.
- Passive Restraints and Air Bags – Factory air bags can receive discounts of 20 to 30 percent.
- Onboard Data Collection – Insureds that choose to allow their insurance company to track vehicle usage by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they have good driving habits.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
- Smart Student Discounts – Excelling in school may save as much as 25% on a Dallas car insurance quote. Most companies allow this discount up until you turn 25.
- Senior Discount – Older drivers are able to get a small discount on rates.
- Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save a little off PIP or medical payments premium.
Drivers should understand that most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, insurance companies wouldn’t stay in business.
Insurance companies that may have most of the discounts above include:
Before buying, ask every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies in Dallas.
Informed Decisions Result in Lower Insurance Costs
Lots of factors are part of the equation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but other factors are less apparent like where you live or how safe your car is. Part of the auto insurance buying process is learning some of the things that come into play when calculating the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to cheaper rates.
The items below are some of the major factors used by companies to determine prices.
Safer occupants lowers auto insurance rates – Vehicles with high crash test scores tend to be cheaper to insure. Vehicles engineered for safety have better occupant injury protection and fewer injuries means less money paid by your insurance company and cheaper rates on your policy.
Do you need those extra coverages? – There are a ton of extra add-on coverages that may not really be needed if you aren’t diligent. Coverage for things like personal injury protection, better glass coverage, and Farm Bureau memberships may be wasting your money. These may sound like a good investment when buying your policy, but if you’ve never needed them in the past remove them from your policy.
Combining policies can get discounts – Many insurance companies apply better rates to people that have more than one policy in the form of a multi-policy discount. The discount can add up to ten or even fifteen percent. Even if you qualify for this discount already, you still need to check prices from other companies to make sure you are getting the best deal. Drivers may still save even more by buying auto insurance from a different company.
High comp and collision deductibles lower rates – Your deductibles state the amount of money you are required to spend out-of-pocket if the claim is covered. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of some claims that would be covered are rear-ending another vehicle, hail damage, and having a roll-over accident. The more money you have to pay, the less your auto insurance will be.
High performance equals high prices – The type of vehicle you are trying to find cheaper insurance for makes a significant difference in determining your rates. Lower performance four cylinder passenger cars generally receive the lowest base rates, but there are many factors that impact the final cost.
Hyundai Sonata Hybrid statistical loss data – Companies use past loss statistics for each vehicle to calculate a rate that offsets possible losses. Models that statistically have higher loss trends will have increased rates. The table below shows the historical loss data for Hyundai Sonata Hybrid vehicles.
For each coverage category, the statistical loss for all vehicles averaged together is considered to be 100. Values that are 100 or less suggest a better than average loss history, while values over 100 indicate higher probability of having a loss or an increased probability of a larger loss.
| Specific Hyundai Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Hyundai Sonata Hybrid | 142 | 116 | 119 | 124 | 138 | 121 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Comparing rates from local Dallas insurance agents
Many people prefer to go talk to an agent and that is just fine! The biggest benefit of getting free rate quotes online is you can get cheap car insurance quotes and still buy from a local agent.
To find an agent, once you fill out this form (opens in new window), your information is sent to insurance agents in Dallas who can give free rate quotes and help you find cheaper coverage. There is no reason to visit any agencies since rate quotes are delivered to your email. You’ll get the best rates without a big time investment. If you wish to get a price quote from a specific insurance company, just search and find their rate quote page and complete a quote there.
Choosing a provider should include more criteria than just a low price. These are some valid questions you should ask.
- How are they compensated?
- How many companies do they write for?
- Will they give you a referral list?
- If your car is in the repair shop, do you have coverage for a rental car?
- What company holds the largest book of business for them?
- Does the agency support the community they serve?
- Is the agency covered by Errors and Omissions coverage?
Choose an insurance agent wisely
If you prefer to buy car insurance from a local Dallas insurance agency, you must know there are a couple different types of agents to choose from. Agents are classified as either exclusive or independent (non-exclusive).
Exclusive Insurance Agencies
Exclusive agents can only provide one company’s prices such as Farmers Insurance and State Farm. Exclusive agents cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are well schooled on what they offer and that allows them to sell at a higher price point.
Shown below are Dallas exclusive agents that are able to give rate quotes.
Kelvin Nunley – State Farm Insurance Agent
1441 N Cockrell Hill Rd #100 – Dallas, TX 75211 – (214) 333-0404 – View Map
Richard Ramirez – State Farm Insurance Agent
9400 N Central Expy #120 – Dallas, TX 75231 – (214) 320-3000 – View Map
Carlos Luevano – State Farm Insurance Agent
4444 W Illinois Ave #304 – Dallas, TX 75211 – (214) 337-8888 – View Map
Independent Agents
These agents are not restricted to one company so they can write business with any number of different companies and get the cheapest rates. If they find a lower price, they simply move your policy to a different company and you won’t have to switch agencies.
When comparing car insurance rates, you should always compare quotes from at a minimum one independent agency so that you can do a thorough price comparison.
Below are independent insurance agencies in Dallas that are able to give rate quotes.
Thumann Agency, Inc
12770 Coit Rd Suite 110 – Dallas, TX 75251 – (972) 991-9100 – View Map
Sheaner Insurance, LLP
2501 Abrams Rd – Dallas, TX 75214 – (214) 823-3003 – View Map
Ross “Pistol” Love – Love Insurance Agency
5400 E Mockingbird Ln #224 – Dallas, TX 75206 – (214) 843-0772 – View Map
After you get good feedback to your questions as well as offering an affordable quote, it’s a good possibility that you have found a car insurance agent that can be relied on to properly service your car insurance policy. Keep in mind consumers can cancel your policy at any point so never assume you’re contractually obligated to a policy for any length of time.
Shop around and save
When searching for the cheapest Hyundai Sonata Hybrid rate quotes, you should never buy less coverage just to save a little money. There are a lot of situations where an insured cut physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.
Cheap Hyundai Sonata Hybrid insurance in Dallas is attainable both online and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not provide online rate quotes and these small insurance companies prefer to sell through local independent agencies.
Steps to finding better rates for Hyundai Sonata Hybrid insurance in Dallas
The preferred way to save on Hyundai Sonata Hybrid insurance is to start doing an annual price comparison from companies in Dallas. Prices can be compared by following these guidelines.
- Try to learn a little about coverages and the measures you can take to prevent rate increases. Many rating criteria that result in higher prices like accidents, traffic violations, and a bad credit score can be improved by making minor driving habit or lifestyle changes.
- Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive or State Farm, while agents who are independent can quote rates from multiple insurance companies.
- Compare the new rate quotes to your existing rates to see if a cheaper rate is available in Dallas. If you can save some money, make sure coverage is continuous and does not lapse.
- Notify your company or agent of your intention to cancel your current auto insurance policy and submit a completed policy application and payment to the new company. Don’t forget to keep the new proof of insurance certificate with your registration paperwork.
One thing to point out is that you use identical deductibles and limits on every quote request and and to get quotes from as many car insurance companies as possible. This enables an apples-to-apples comparison and the most accurate and complete price analysis.
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