Truthfully, the best way to get cheaper car insurance rates in Dallas is to regularly compare prices from companies who provide auto insurance in Texas. You can shop around by following these steps.
First, gain an understanding of car insurance and the steps you can take to prevent expensive coverage. Many risk factors that increase rates like careless driving and an unfavorable credit rating can be remedied by making small lifestyle or driving habit changes.
Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO or State Farm, while independent agencies can provide price quotes from multiple companies.
Third, compare the price quotes to your existing policy to determine if switching companies saves money. If you find a lower rate quote and buy the policy, make sure there is no lapse in coverage.
One piece of advice is to compare the same amount of coverage on every quote and and to get price estimates from every insurance company. Doing this ensures a fair rate comparison and a complete rate analysis.
Unbelievable but true, nearly 70% of Texas drivers kept their policy with the same company for at least the last four years, and just under half have never taken the time to shop around. With the average car insurance premium being $1,847, American drivers could cut their rates by up to $850 a year by just shopping around, but they don’t want to take the time to shop their coverage around.
Most companies like State Farm, GEICO and Progressive allow consumers to get prices direct online. Comparing Honda CR-Z insurance rates online is very simple as all you need to do is type in your required coverages on the page. After the form is submitted, their quoting system automatically retrieves information on your driving record and credit history and generates pricing information based on these factors. The ability to get online rate quotes for Honda CR-Z insurance in Dallas makes it simple to compare prices and it’s necessary to perform this step in order to get the most affordable premium possible.
To compare rates using this form now, check out the auto insurance providers below. If you currently have coverage, we recommend you replicate the coverage information identical to your current policy. This ensures you will have a rate comparison based on identical coverages.
The companies shown below can provide quotes in Dallas, TX. If several companies are displayed, we recommend you visit several of them to find the most competitive auto insurance rates.
Get discounts on Dallas auto insurance
Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. Certain credits will be shown when you complete an application, but some must be manually applied prior to getting the savings. If you do not check that you are getting every discount possible, you’re paying more than you need to.
- Renewal Discounts – Some insurance companies give discounts for buying a policy early. It’s a savings of about 10%.
- Theft Deterrent System – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Save with More Vehicles Insured – Buying insurance for multiple cars or trucks on the same auto insurance policy can reduce rates for all insured vehicles.
- Active Military Service – Being deployed in the military could trigger a small discount.
- Discount for Home Ownership – Simply owning a home can earn you a little savings since owning and maintaining a home shows financial diligence.
While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.
To find companies that offer multiple discounts in Dallas, click this link.
Lower Your Dallas Insurance Premiums
Part of the auto insurance buying process is learning the different types of things that help calculate the level of your policy premiums. When you understand what controls the rates you pay, this allows you to make good choices that will entitle you to lower rates.
Getting married can lower rates – Having a significant other helps lower the price on your auto insurance bill. Having a spouse usually means you are more stable financially and insurance companies like that drivers who are married are more cautious.
Cheaper prices with safer cars – Vehicles with high crash test scores cost less to insure. Vehicles built for safety reduce injuries and reduced instances of injuries means less claims paid which can result in lower premiums.
Keep the miles off and save – The more you drive your Honda in a year’s time the higher the price you pay to insure it. Most insurance companies charge to insure your cars based upon how much you drive. Cars used primarily for pleasure use can be on a lower rate level than those used for commuting. It’s a smart idea to ensure your auto insurance declarations sheet properly reflects the correct usage, because it can save money. An incorrectly rated CR-Z can result in significantly higher rates.
Use but don’t abuse your insurance – If you frequently file small claims, you can definitely plan on higher rates. Companies in Texas give lower rates to people who do not rely on their insurance for small claims. Your car insurance is designed for larger claims.
Your employer and auto insurance rates – Jobs such as doctors, social workers, and dentists usually pay the highest rates because of job stress and long work hours. On the flip side, careers such as professors, historians and performers get better rates.
Your address can push rates up or down – Living in smaller towns and rural areas of the country can save you money when shopping for auto insurance. Less people translates into fewer accident claims as well as less vandalism and auto theft. Drivers who live in large Texas cities regularly have more road rage incidents and more time behind the wheel. More time on the road means more chances of being involved in an auto accident.
Extra policy coverages can cost a lot – Insurance policies have a lot of extra coverages that may not really be needed on your CR-Z policy. Insurance for rental car reimbursement, better glass coverage, and extra life insurance coverage may be costing you every month. These coverages may sound good when buying your policy, but your needs may have changed so remove them from your policy.
Low credit rating equals high rates – An insured’s credit history is a large factor in calculating your premium rate. If your credit rating can use some improvement, you may save money insuring your Honda CR-Z if you clean up your credit. People with very high credit ratings tend to be more responsible than those with poor credit.
Loss statistics for a Honda CR-Z – Companies use past loss statistics for each vehicle in order to profitably underwrite each model. Vehicles that statistically have higher claim frequency or loss amount will have a higher premium rate.
The table shown below demonstrates the actual insurance loss data for Honda CR-Z vehicles. For each policy coverage, the statistical loss for all vehicles, as a total average, is represented as 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while numbers that are greater than 100 point to more losses or a tendency for claims to be larger.
| Specific Honda Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Honda CR-Z Hybrid | 106 | 87 | 83 | 98 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
When should I contact an insurance agency?
A lot of people just prefer to have an agent’s advice and that is just fine! A good thing about comparing rate quotes online is the fact that drivers can get lower prices and also buy local. Buying from local insurance agents is still important in Dallas.
Once you complete this form (opens in new window), your insurance data is transmitted to local insurance agents in Dallas that give free quotes for your coverage. It’s much easier because you don’t need to drive around due to the fact that quote results will go instantly to you. Get lower rates AND a local agent. If you need to get a price quote from a specific car insurance provider, feel free to search and find their rate quote page and complete a quote there.
If you want to buy car insurance from a local insurance agency, it’s helpful to know the different types of agencies and how they are distinctly different. Car insurance agents can be classified as either exclusive or independent agents depending on their company appointments.
Independent Agencies or Brokers
Agents that choose to be independent can sell policies from many different companies and that is an advantage because they can write policies with an assortment of companies and find you cheaper rates. If they quote lower rates, they simply switch companies in-house and you won’t have to switch agencies. If you are comparing car insurance prices, we recommend you compare quotes from a few independent agents for maximum quote selection.
Shown below is a small list of independent insurance agents in Dallas that may be able to provide free rate quotes.
Insurance One
14180 Dallas Pkwy #900 – Dallas, TX 75254 – (972) 267-8000 – View Map
The Phoenix Insurance
11615 Forest Central Dr #103 – Dallas, TX 75243 – (214) 253-0570 – View Map
Bankhead Insurance Agency LLC
10935 Estate Ln #380 – Dallas, TX 75238 – (214) 343-1333 – View Map
Exclusive Agencies
Agents in the exclusive channel write business for a single company and some examples include Farmers Insurance and State Farm. Exclusive agents cannot compare other company’s rates so it’s a take it or leave it situation. These agents are highly trained on their company’s products and that allows them to sell at a higher price point.
Below are exclusive agencies in Dallas that are able to give rate quotes.
John Hamman – State Farm Insurance Agent
8330 Abrams Rd #104 – Dallas, TX 75243 – (214) 341-3050 – View Map
Scott Beseda – State Farm Insurance Agent
4411 Lemmon Ave #203 – Dallas, TX 75219 – (214) 219-6610 – View Map
Brent Holtz – State Farm Insurance Agent
3427 E Trinity Mills Rd #601 – Dallas, TX 75287 – (972) 306-1234 – View Map
Picking the best auto insurance agent requires you to look at more than just the quoted price. Any agent in Dallas should be forthright in answering these questions:
- Are there any extra charges for paying monthly?
- Do they see any coverage gaps in your plan?
- If you raise deductibles, how much can you save?
- How are claims handled?
- Are they primarily personal or commercial lines agents in Dallas?
- How many companies do they write for?
- Can you get a list of referrals?
- Does their agency support local causes in Dallas?
Special considerations
Always keep in mind that when comparing proper insurance coverage, there really is no best way to insure your cars. Your situation is unique so this has to be addressed.
For example, these questions can help discover whether you might need an agent’s assistance.
- If my Honda CR-Z is totaled, can I afford another vehicle?
- Does my liability insurance cover pulling a trailer or camper?
- How much liability do I need to cover my assets?
- Why do I have to buy liability insurance?
- Is pleasure use cheaper than using my Honda CR-Z to commute?
- Does my medical payments coverage pay my health insurance deductible?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.
More effort can pay off
Cheaper Honda CR-Z insurance in Dallas can be purchased on the web as well as from independent agents in Dallas, and you should compare rates from both to have the best selection. A few companies may not have online price quotes and many times these regional insurance providers prefer to sell through independent agents.
When searching for inexpensive Dallas auto insurance quotes, make sure you don’t buy poor coverage just to save money. Too many times, an insured dropped comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at the best price and still be able to protect your assets.
We just presented a lot of techniques to lower your Honda CR-Z insurance premium rates in Dallas. The key concept to understand is the more rate comparisons you have, the better likelihood of getting the cheapest Honda CR-Z rate quotes. You may even find the best premium rates are with a company that doesn’t do a lot of advertising. Some small companies can often provide lower prices in certain areas compared to the large companies like Progressive and GEICO.
Additional learning opportunities
- Determining Auto Insurance Rates (GEICO)
- Who Has the Cheapest Dallas Auto Insurance Quotes for Safe Drivers? (FAQ)
- How Much are Auto Insurance Quotes for a Nissan Sentra in Dallas? (FAQ)
- How Much is Auto Insurance for a Nissan Altima in Dallas? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Retired Military in Dallas? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Jeep Grand Cherokee in Dallas? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Parking Tips to Reduce Door Dings (State Farm)