Want more competitive Subaru BRZ insurance in Dallas? Paying for high-priced Subaru BRZ insurance in Dallas can diminish your savings, especially in this economy. Comparing cost estimates is a great way to tighten up your finances.
Remarkably, a study showed that over 70% of consumers renewed their policy with the same company for well over three years, and approximately 40% of consumers have never compared auto insurance rates at all. Dallas drivers can save approximately 70% each year by just shopping around, but they just don’t understand how easy it is to compare rate quotes.
Many car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite best rate on Subaru BRZ insurance in Dallas.
Consumers should take time to take a look at other company’s rates as often as possible due to the fact that insurance rates tend to go up over time. Just because you found the best deal on Subaru BRZ insurance in Dallas on your last policy you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re about to find out the best way to find better coverage on Subaru BRZ insurance in Dallas at a better price.
Companies offering Subaru BRZ insurance in Texas
The car insurance companies shown below have been selected to offer comparison quotes in Texas. If more than one company is shown, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Insurance policy discounts for Subaru BRZ insurance in Dallas
Properly insuring your vehicles can get expensive, but there may be some discounts that many people don’t even know exist. Most are applied at quote time, but a few must be specifically requested in order for you to get them.
- Driver Education Discount – It’s a good idea to have your young drivers enroll in driver’s education in school.
- Resident Student – Children who are enrolled in higher education away from home and leave their car at home may qualify for this discount.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your Dallas auto insurance quote.
- Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
- Buy New and Save – Buying a new car model can get you a discount since new vehicles have better safety ratings.
- Professional Organizations – Belonging to a qualifying organization may earn a discount on your bill.
- Defensive Driving Course – Taking part in a course that instructs on driving safety is a good idea and can lower rates if your company offers it.
It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, insurance companies aren’t that generous.
To see a list of insurance companies that provide some of the discounts listed above in Texas, click here.
Informed Consumers Know How to Get Auto Insurance for Less
Consumers need to have an understanding of some of the factors that come into play when calculating your auto insurance rates. When consumers understand what influences your rates, this allows you to make good choices that could help you find big savings. Lots of things are used in the calculation when quoting car insurance. Some are obvious like your driving record, although others are more obscure such as your credit history or your vehicle rating.
Shown below are some of the items used by your company to calculate your rates.
Save by driving safer cars – Vehicles that have high safety ratings cost less to insure. Highly rated vehicles result in less severe injuries and lower rates of occupant injuries means less claims paid and more competitive rates for policyholders. If your Subaru BRZ has at least four stars on Safercar.gov you may pay a lower rate.
Are men or women drivers cheaper? – Statistics demonstrate that females tend to be a little less risky than males. The data does not necessarily mean that females are better drivers. Both genders have at-fault accidents in similar percentages, but men cause more damage. They also get cited for more serious violations like reckless driving and DUI. Young men ages 16 to 20 have the highest risk to insure so they pay the highest premiums.
Pay less after the wedding – Being married actually saves money on auto insurance. It usually means you are more mature than a single person it has been statistically shown that married drivers tend to file fewer claims.
Avoid tickets and save – How you drive has a lot to do with how much you pay for insurance. Having a single citation can increase the cost of insurance by as much as twenty percent. Good drivers get better rates compared to drivers with tickets. Drivers who have serious citations like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent their license from being revoked.
Do you really need roadside assistance? – There are a ton of optional add-on coverages that can add up when buying auto insurance. Coverages for rental car reimbursement, better glass coverage, and extra equipment coverage may be costing you every month. They may seem good when talking to your agent, but if they’re wasting money remove them and pocket the money.
Premiums go up with performance – The type of car, truck or SUV you need insurance for makes a huge difference in determining your rates. The cheapest rates are for economy passenger vehicles, but there are many factors that impact the final cost.
Insurance losses for a Subaru BRZ – Insurance companies use data from past claims to help calculate premium prices. Vehicles that the data shows to have increased losses will have higher premium rates. The data below shows the actual insurance loss data for Subaru BRZ vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, equals 100. Numbers shown that are under 100 suggest a better than average loss history, while numbers above 100 point to more losses or tendency to have larger claims.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Subaru BRZ | 156 | 78 | 150 | 87 | 88 | 76 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Buying from insurance agents
A lot of people just want to buy from a licensed agent. One of the great benefits of price shopping on the web is the fact that drivers can get lower premium rates and still buy from a local agent. Buying from and supporting local insurance agents is important particularly in Dallas.
To make it easy to find an agent, after completing this short form, your insurance coverage information is immediately sent to companies in Dallas who will give you quotes and help you find cheaper coverage. You never need to visit any agencies since price quotes are sent immediately to your email address. Get lower rates and work with a local agent. If you have a need to get a price quote from one company in particular, you can always jump over to their website and fill out their quote form.
Different types of Dallas auto insurance agents
If you need to find a good Dallas insurance agent, you must know there are a couple different types of agents and how they differ in how they can insure your vehicles. Dallas agents can either be independent agents or exclusive agents depending on their employer.
Independent Agencies or Brokers
Independent agents do not have single company limitations and that enables them to quote your coverage with a variety of different insurance companies and find you cheaper rates. If they quote lower rates, your agent can switch companies without you having to go to a different agency.
If you need cheaper auto insurance rates, we highly recommend that you get rate quotes from a few independent agents to get the most accurate price comparison.
Featured below is a small list of independent insurance agencies in Dallas who may provide free auto insurance rate quotes.
Rodriguez Insurance Agency LLC
13111 N Central Expy Suite 8001 – Dallas, TX 75243 – (888) 797-1924 – View Map
CJ Lingberg Insurance Agency
11884 Greenville Ave a101 – Dallas, TX 75243 – (972) 479-9911 – View Map
Calema Insurance Agency
3021 Lombardy Ln #101 – Dallas, TX 75220 – (469) 341-7831 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents generally can only insure with one company and examples are State Farm or Allstate. They generally cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive agents are usually quite knowledgeable on the products they sell and that allows them to sell at a higher price point.
The following are exclusive agents in Dallas that can give you rate quotes.
Phil Maxey – State Farm Insurance Agent
17304 Preston Rd Ste 125 – Dallas, TX 75252 – (972) 233-2222 – View Map
Larry Sandlin – State Farm Insurance Agent
4560 W Mockingbird Ln #120 – Dallas, TX 75209 – (214) 526-5227 – View Map
Allstate Insurance: Jonathan Crisler
1350 N Buckner Blvd #218 – Dallas, TX 75218 – (214) 324-7676 – View Map
Deciding on an auto insurance agent should include more criteria than just a cheap quote. Get answers to these questions too.
- Will one accident increase rates?
- Are you getting all the discounts the company offers?
- Did they already check your driving record and credit reports?
- How long have they been in business?
- Is there a Errors and Omissions policy in force?
- Do they have 24-hour customer assistance?
- What are the financial ratings for the companies they represent?
- Do they make recommendations based only on price?
Don’t give up on affordable premiums
Throughout this article, we presented a lot of tips how to shop for Subaru BRZ insurance online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give better rates compared to the large companies like State Farm and Allstate.
While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. In many instances, drivers have reduced full coverage and learned later that the savings was not a smart move. The ultimate goal is to get the best coverage possible at the lowest possible cost but still have enough coverage for asset protection.
Steps to finding discount Subaru BRZ insurance in Dallas
It takes a little time, but the best way to get more affordable auto insurance rates in Dallas is to regularly compare price quotes from providers in Texas.
- Read about coverages and the factors you can control to lower rates. Many rating criteria that increase rates like traffic citations and a bad credit rating can be remedied by improving your driving habits or financial responsibility.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while independent agents can quote prices for many different companies.
- Compare the new rate quotes to your current policy and determine if cheaper BRZ coverage is available in Dallas. If you can save some money and change companies, make sure coverage does not lapse between policies.
One tip to remember is to make sure you’re comparing identical coverages on each quote and and to analyze all possible companies. Doing this provides a fair rate comparison and maximum price selection.
To learn more, take a look at the articles below:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- How Much are Dallas Auto Insurance Rates for a Toyota Highlander? (FAQ)
- How Much are Car Insurance Rates for Active Military in Dallas? (FAQ)
- Who Has Affordable Auto Insurance for a Chevrolet Malibu in Dallas? (FAQ)
- How Much are Dallas Auto Insurance Rates for Hybrid Vehicles? (FAQ)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)