According to the 2010 U.S. Census Bureau, the city of Dallas has a population of 1.2 million, and all of the Dallas drivers need Dallas car insurance. The city is located in North Central Texas and is 35 miles to the east of Fort Worth and 245 miles northwest of Dallas. Compare Texas car insurance for FREE with our ZIP code search! We can help you save money INSTANTLY!
Dallas? economy is based primarily in the financial and banking industries, with strong holdings in telecommunications, energy, computer systems, and transportation. This flourishing city also has the one of the highest concentrations of Fortune 500 companies in the United States.
Dallas is a great city for sport enthusiasts. There are over 200 golf courses and the city is home to five major professional sports teams:
- The Dallas Cowboys (NFL)
- Dallas Mavericks (NBA)
- FC Dallas (MLS)
- Dallas Stars (NHL)
- Texas Rangers (MLB)
- NASCAR and Indy racing. The area is also home to more than 200 golf courses.
Driving in Dallas
Driving in Dallas is a challenge due to increasing traffic congestion problems. These traffic issues are mainly the result of the massive expansion of the Dallas area suburbs. Mass transportation is extremely limited in the Dallas/Ft. Worth area. The ratio of people to vehicles is 1.14 cars to a person. Over 70% of Dallas residents drive to work and the average commute is just under thirty minutes.
The state car laws and speed limits are strictly enforced in Dallas, which is 55 miles per hour (mph) on freeways, and 65 mph on rural interstate highways. In residential ares, the speed limit is 30 mph. Failure to comply with the traffic laws can lead to severe penalties.
Mandatory Dallas Car Insurance Minimums
All Dallas motorists must own auto liability insurance. Anyone driving in Dallas, must demonstrate that they have the ability to pay for any automobile accidents they may cause. All drivers are required by law to have adequate Dallas car insurance which provides the following minimum car coverage:
- Property damage liability that has a limit of $25,000 per accident
- Bodily injury liability that has a limit of $25,000 per person
- $50,000 per accident for bodily liability injury
- Minimum auto liability coverage in is 30,000/60,000/25,000
It is advisable for motorists to purchase higher liability limits in order to have a sufficient amount of coverage to protect personal assets. Coverage for uninsured motorists is also a wise investment, as this protects policyholders that have been hit by someone illegally driving without car insurance.
Comprehensive Dallas Car Insurance
Comprehensive Dallas car insurance coverage, this is a viable option that fully protects the driver, the vehicle and any passengers. This type of car insurance coverage additionally protects policyholders from incidents such as theft, fire, flood, earthquakes, civil unrest and other acts that are of no fault of the car owner.
Below are some of the Dallas car insurance coverage types:
- Property Insurance Coverage
- Liability Protection
- Medical Coverage
- Collision
- Underinsured/Uninsured Driver Coverage
Failure To Carry Dallas Car Insurance
There are severe penalties for motorists that violate state car insurance laws. A first time conviction can result in fines that range from $175 and $350. Second offenses can lead to fines between $350 to $1,000, including a suspension of the driver?s license, as well as the impound fees of the vehicle. Dallas officials also utilize a real time auto insurance verification system that permits law enforcement officers to instantly confirm if a motorists owns liability coverage as required by state law.
Dallas Car Insurance Contract Terms
There are two auto insurance contract terms that motorists should look out for in their insurance policies:
- Actual Cash Value -?If the vehicle is beyond repair, as a result of an accident, the policyholder will be paid the fair market value for the automobile during the time of the car accident. If auto payments are still being made on the vehicle and it has significantly depreciated in value, then the fair market value could end up being less than the actual amount that is owed on the car. There is an alternative type of coverage, called gap insurance, that can cover this kind of financial loss.
- Excess Provision -?This is not to be confused with the deductible. This contract term describes the minimum amount that a claim has to be before the insurer will pay. For instance, if the excess amount is $15,000, the insurance carrier will not pay the policyholder until the claim exceeds $15,000. A policyholder that has collision insurance with an excess provision of $15,000 manages to incur $14,999 of damages to their vehicle, will not receive any payment from their insurer.
Dallas Car Insurance Companies
There are many quality Dallas car insurance companies. When selecting a policy, it is advisable to investigate the company to make sure they are a reputable insurance provider. Motorists should stay clear of fly-by-night companies, that they are not familiar with, and have only been in business for a couple of years. It is important to select a reputable carrier, with several years of experience, that pays out its policies when a claim is filed.
It is safer to purchase Dallas car insurance from a company that is established and has a solid business reputation within the insurance industry. There are several national insurance organizations that rate the performance of insurance carriers. Motorists can also check with an auto insurance agent for a listing of state licensed Dallas car insurance companies that offer affordable car insurance.
There are also a number of online car insurance agencies that make this process much faster and motorists can receive several quotes from the comfort of their home. Live agents are available to answer any questions regarding different car insurance options.
Dallas Car Insurance Rates
The mean Dallas car insurance rates for motorist is $1,541 annually. This rate is 3.23 percent lower than the average for Collin counties. It is also 16.88 percent higher than the average rate for the entire state of Texas.
There are a number of rating factors that help to determine car insurance coverage estimates. Other factors include:
- Amount of Time
- Age of Vehicle
- History of Accidents
- Vehicle Mileage
In order for motorists to ensure they are receiving the best rates, it is important to look up online car insurance.
Automobile Fatalities Statistics
According to the Fatality Analysis Reporting System reports of 2008, Automobile fatalities in Dallas were as follows:
Dallas Car Insurance Quotes
Dallas auto insurance policies are available in either six month or 12 month plans. Individuals that are looking for a new car insurance policy should compare the different rates among the top auto insurance companies as well as the quality of the coverage. Comparing rates online is the most effective method to gather information on several Dallas auto insurance carriers.
It is important to note that cheap insurance should not be the primary focus when shopping for Dallas car insurance coverage. A low priced policy may not offer the adequate amount of protection required by the law or the quality of the plan may be sub par. It is possible to find affordable as well as quality insurance coverage.
Motorists must consider several different factors, when selecting an insurance policy. Working with a Dallas car insurance agency will help make the search a lot easier for motorists that may be confused about the different available options and exactly what type of coverage they need.
Instant quotes can be effortlessly obtained online by using our ZIP code search! Hundreds of Dallas car insurance carriers permit online users to purchase a policy online. Enter your ZIP code and compare car insurance INSTANTLY and for FREE!
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Source: http://www.carinsurancecomparison.com/dallas-car-insurance/
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