Auto Insurance Quotes in Texas
Choose Your Auto Insurance Coverage
Types of Automobile Insurance Coverage in Texas
Bodily Injury (BI) Liability provides protection if the policyholder injure someone while operating an automobile.
Property Damage (PD) Liability coverage provides you with protection if your car damages someone's property.
Collision Insurance - It covers the cost of fixing or replacing your vehicle in the event of impact or collision with another vehicle or object.
Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
Uninsured Motorist (UM) coverage
Uninsured Motorist Property Damage (UMPD)
Underinsured Motorist (UIM)
There are different ways you can lower on your monthly premium by finding and applying for discounts. Shopping around and qualifying for discounts can save you a lot of money. Please note that each carrier offers different discounts:
- Accident-free – drivers with no accidents during the past three years. You can save up to 10%.
- Safe driver – no at-fault accidents or moving violations during the last three years. Save up to 35%.
- Multi-car – insure more than one car on a single policy and get your multi-car insurance discount. You can save up to 35%.
- Bundled (multi-policy) – discounts for bundled home and auto, motorcycle, boat, trailer, life, or health with the same insurer. You can save up to 15%.
- Homeowner – if you own a home or condominium, you may save up to 10%.
- Early renewal – For renewing before policy expiration. You can save up to 15%.
- Auto-pay – Set up automated payment from checking. You can lower it up to $55 per year.
- Paid-in-full – pay the premium in full at the beginning of its policy. You may save up to 25%.
- Electronic funds transfer – You may also apply a discount for electronic funds transfer (EFT) and allowing the insurers to automatically withdraw the agreed upon amount every month from your checking account or savings account. Also, many insurers offer the ability to pay for your premiums with a credit card.
- Paperless – view and pay your bill online and save up to 2%.
- Driver Training – for drivers under 21, can save up to 10%.
- Defensive Driver
- Electric/hybrid car – if you drive a hybrid or electric vehicle, you may save up to 10%.
- Low-mileage – you can save up to 2%.
- Emergency road assistance – for purchasing roadside assistance or driving a car that comes with it. You can save up to 5%.
- New car – drive and own a vehicle that is less than three years old, save up to 10%.
- Safe Vehicle with safety passive restraint and airbag – Insurers decrease premiums for safer cars. You may save up to 5%.
- Anti-lock brakes – Cars with anti-lock brakes, ABS and other safety features. You can save up to 10%.
- Anti-Theft Device
- Affiliation – Get a discount through your employer, school, team, club and save up to 15%.
- Senior – Apply to drivers over age 65. Current and former military members may qualify for military discounts.
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Great discounts to help you save on car insurance in Dallas: safe driver, homeowner discount, new car discount, multi-car discount, paid-in-full.
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Why You Should Coose Us?
Often, car owners grapple with the question of auto insurance. Whether they are newly licensed drivers or those discontent with the service of their current insurance carrier or even those who want to explore insurance perks from emerging companies. All have a common denominator - their need for a trusted, competent, and efficient insurance agency.
Selecting an insurance carrier that meets your specific needs at competitive prices can be an exhausting and time-consuming task. If you are a Texas resident and are wondering why, where, and how you can obtain the best car insurance rates in Texas, here's what you should know.
Why You Need Car Insurance in Texas?
Texas is one of the largest and densely populated states of America. Due to this, there are more automobiles on the road, increasing the risk of loss, damage, or any consequential harm. By law, every car owner must insure their motor vehicle and produce evidence of the same when called upon. You need to purchase and maintain a minimum of liability auto insurance for your car to drive your vehicle. Proof of insurance is vital during car inspection, registration of the car, or when reprimanded by law enforcement officers due to a traffic offense.
There are numerous benefits of car insurance specifically:
- Shields you from unwarranted legal actions.
- Ease of repair or replacement of damaged automobile parts.
- Peace of mind while driving.
- Depending on the coverage, it protects your person or property from any consequential automobile harm.
Where to Find Low-Cost Car Insurance in Texas? We Are Here to Help!
It's important to conduct thorough and comprehensive research as you shop around for an auto insurance coverage. Contrary to many people’s expectations, a simple google search for “the cheapest car insurance in Texas” may not be adequate. How will you know the nitty-gritty of each suggested option? Do you read through every possible article of each of your known companies to ascertain the same?
Consequently, single-handedly performing a direct search of all companies in Texas to establish an affordable one and which best caters to your specific needs, maybe close to impossible to do. However, with our expert agents, we do the research, you do the choosing.
Our team is well-versed with various insurance carriers' rates, perks, and overall insurance coverage details that enable us to promptly sift through and recommend competitive auto-insurance packages in the state of Texas and Florida. We help you locate the cheapest Texas auto insurance that does not compromise on essential features such as customer service, discounts, and effective coverage tailor-made for your needs. So whether you are high risk, safe or experienced driver with a good credit record or not, we can help you discover your best-fit policy. Also, we may give you the better quote even if you have a suspended license, accidents, tickets, DUI, driving while intoxicated DWI, need SR-22 certificate.
We Help You Compare Car Insurance Rates in Texas
Through our dexterous skill and hours of research, we can filter through several car insurance packages and identify possible suggestions for you. This gives you the benefit of choosing from multiple auto insurance companies. You will be required to fill in a standard form that helps us garner sufficient details to help you acquire a price quotation that is tailor-made to suit your needs and within your budget.
Some of the details we require from you include your age, driving history, experience, the model of the car, ZIP code, desired type of coverage, desired perks, and your budget estimate. With this information, we can recommend affordable auto insurance quotes you can choose from. This saves you time and helps you conveniently optimize on selecting the best provider.
Additionally, we appreciate the unique needs of every car owner and competently look to advise on companies that comprehensively provide for the same at a bargain. With us, you can now easily spot formidable low-cost car insurance in Texas with great perks!
Simplify the Process
We help you chart through the legal jargon, complex terminology, and coverage limitations to help you make an informed decision. If you are not sure of what type of coverage you need or are looking to have a coverage that meets all minimum auto insurance requirements in Texas, we can advise you on the same. Buying insurance should be easy, quick, and hassle-free. This is the reason why we simplify insurance by providing easy-to-understand, customized policies that best fit the needs and budgets of our customers.
We Offer Great Service
Selecting a carrier is not a small task. You will need all the help, advice, and support that you can get. Our team is dedicated to ensuring great personalized service as we believe in customer satisfaction. We strive to build strong bonds with our clients and readily help them address any inqueries they may have concerning their quotes or policies. We are prompt in response to inquiries as we are with you every step of the way. Once you pick your desired carrier we then handle the formalities from there.
With us, you are able to obtain the services from one of our many carriers. You are not limited to a particular company as we act as a one-stop-shop for all your vehicle inquiries and needs. Feel free to fill out the quote form or contact us at the number below for any further inquiries or our services.
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Let Insurance Direct assist you with your insurance needs by simply calling 972-777-6199 or completing an instant car insurance quote online. Our agents are dedicated to helping you find the best Texas auto insurance.
We are an independent auto insurance agency in Dallas, Texas. We work with many different insurers to make sure you get the best coverage and price available. Our team of skilled and licensed agents work very hard with you to create a customized policy that best fit the needs and budgets of our customers.
Our expert agents look forward to helping you find the most affordable Texas auto insurance quotes! Insurance Direct helps Dallas drivers find affordable plans, even if they’re unexperienced or experienced, young drivers, teenagers, seniors, older drivers or those with a DUI on their record.