A Modern Metropolis
Dallas is a world renowned city where people flock to in masses every year.
There is so much to do here you won’t know where to start.
Not only that, but their medical industry is flourishing and jobs are everywhere.
It has around 1.5 million residents, not to mention a professional football team.
People are proud to be apart of this city. There is a true Texan style here that people embrace.
But the modern appeal brings newcomers every year.
Dallas is a large city that just keep son getting bigger.
It has a rapid growth rate and there is no questions of why.
From a large aquarium called the Dallas World Aquarium, to museums and art, there is great diversity here.
Check out amazing sculptures at the Nasher Sculpture Center downtown.
Historically Dallas was the center of the cotton and oil industry.
It also has a large history stemming from the railroads and industrial era.
A little more modern nowadays, Dallas is home to great coffee shops, eateries and parks.
This city is a transportation hub and easier to maneuver in.
If you are looking to move here or have lived here for years, you understand the appeal.
Looking for a home to purchase?
Maybe you commute long distances coming into Dallas for work.
Whatever the reason for your need for insurance , make sure you get the very best.
How do I get insurance in Dallas?
Dallas is a city that is beaming with things to do. TO do these things you will.
most likely need a car. If you want to settle down and raise a family you will need a home.
If you have come to Dallas to get an education, maybe you need to rent an apartment.
With any and all of these cases insurance is one common thread.
Talk to a broker today and get the cheap insurance Dallas can offer today!
You will want to work with someone who works for you!
And this is just what brokers do!
Know your rights as a Texan and understand the laws and minimum requirements needed for some insurance.
You can truly have it all as long as you ask the right questions.
Don’t break the bank by wasting money on the wrong insurance.
Let’s see what kinds of insurance you may be looking for.
Insurance Requirements Dallas
Car Insurance
Car insurance is a must when you live life. Not only do you rely on your car for just about everything, but it is the law. In Texas there is a minimum amount of insurance needed to drive a car. You don’t just need insurance but a valid drivers license as well as current registration.
Getting the best cheap car insurance Dallas drivers need doesn’t have to leave you broke. Have the right insurance when you talk to a broker today!
Texas law requires drivers to pay for accidents they cause. Fault is ultimately determined by the state, using evidence and testimony gathered at the scene of the accident. The at-fault party is then required to pay all damages resulting from the accident.
It’s important to have the right car insurance in Dallas to protect not only yourself, but your vehicle too. When looking through the options for cheap car insurance Dallas offers, the more information you have, the better. Remember that carrying the minimum coverage required by law may not be enough to cover you personally. Make sure your policy will cover all of your assets, even if you are in an accident with an uninsured driver.
Dallas Car Insurance Requirements
- Bodily Injury coverage requirements are a minimum of $30,000 per person and $60,000 per accident.
- Property damage liability minimum requirements are $25,000.
- Uninsured Motorist coverage is not required, but insurance company’s are required to offer it, and explain the coverage to consumers.
Other coverages to add to your policy for better protection:
- Collision coverage which covers you and your own vehicle if damaged in an accident
- Comprehensive coverage which will cover theft and small damages not incurred from an accident
- Towing and Roadside Assistance will be greatly welcomed if you get stranded on the side of the road.
You can ask for what discounts you might qualify for.
If you are a safe driver, you could save.
Bundle your car insurance with homeowners insurance or renters insurance and save even more!
Talk to a helpful representative today and get back in the drivers seat tomorrow.
Public Transportation In Dallas
- DART Public Bus Service
- DART System Maps
- M-Line Trolly (Downtown)
- CVB Charter/Tour Bus List
- Greyhound
- DART Dallas Mass Transit Rail
- DART System Maps
- M-Line Trolly (Downtown)
- TRE Commuter Rail (Dallas-Ft. Worth)
- Amtrak
Dallas Traffic
Dallas forms part of the greater Dallas/Fort Worth/Arlington metropolitan area which includes 12 counties and almost 7 million residents. The metro area had the highest increase in employment in the nation last year.
Naturally this means the number of commuters on the road has increased a great deal. Texas A&M’s Urban Mobility Report found that in 2011 there were over 3,000,000 commuters on the road during peak commute times each day, so we can assume that number has only gone up since the study was released. Dallas workers spend an average of 45 hours stuck in traffic each year.
Recent government initiatives such as the “Complete Streets Initiative” which launched in 2011 are intended to decrease traffic and make Dallas’ roads friendly to pedestrians, bicyclists.
The City is also working hard to improve its public transportation infrastructure (DART) with new trains and buses to help lighten the load on the freeways.
These factors will go a long way toward keeping Dallas’ auto insurance rates as low as they are. The more options commuters have, the less their vehicles are on the road. If you have the option to bike to work, carpool, or take public transportation, we highly recommend it, as most insurance companies take your annual commute miles into consideration when formulating your rates. The less miles you put on your car each year, the cheaper your insurance will be!
Before heading out, be sure to check DalTrans’ live traffic map, which shows current congestion hot-spots, accidents, and road construction zones.
Dallas Crime Statistics
Auto thefts in 2012 dropped almost 12% with only 7,062 motor vehicle thefts reported that year (as oppose to over 17,000 in 2003!). The city saw a total of 54,300 property crimes according to FBI data.
Even though the streets are getting safer, proper precautions should be taken to secure your vehicle. Make sure your car doors are locked in the evenings and no valuables are left in the vehicle (or at least stow them somewhere hidden).
Installing an anti-theft device, alarm, or even a tracking device such as LoJack will usually entitle you to a discount from your insurance company.
Because rates can very a great deal between neighborhoods and zip codes, getting comparison quotes before you move can help save you money. Furthermore, if you are planning on buying a vehicle, you may want to avoid commonly stolen ones like these (most commonly stolen cars in Dallas for 2013):
- Ford Pickup
- Chevy Pickup
- Dodge Pickup (Texans like their trucks!)
- Honda Civic
- Chevy Tahoe
Impaired Driving
Texas saw over 90,000 DUI arrests in 2013 (the highest rate in the nation by a wide margin) with hundreds of alcohol-related traffic fatalities. Mothers Against Drunk Driving has targeted the state in recent years, trying to pass stricter DUI legislation in an effort to curb what they view as an epidemic.
Unless you are Alice Walton (billionaire Wal-Mart heiress recently arrested for a DWI, but not charged) you will probably face the following penalties if convicted of drunk driving:
- Up to 180 days in jail
- Annual fees of up to $2,000 in order to keep your license active
- License suspension of up to 2 years.
- Required enrollment in a DWI intervention and treatment program
How can I save money on my insurance in Dallas?
- If you have “full coverage” (Comprehensive and Collision coverage) you might want to consider raising your deductible to the highest you can afford. Insurance companies see this as sharing the risk, and will lower your rates accordingly.
- Carpooling, biking, or taking public transportation during peak commute times will keep you off the road during riskier traffic hours and will decrease the chances of you getting into an auto accident.
- If you are a member of the armed forces, an auto club like AAA, or other professional organizations you may be eligible for additional discounts, so it pays to check with your agent.
- If you are a full-time student with a GPA of 3.0 or better, most insurance companies will give you a Good Student Discount which can be as high as 15%.
- Bundling your home/renters insurance with your auto or motorcycle policies will give you the Multi-Policy Discount.
- Keeping your insurance current will afford you a Persistency Discount in most cases.
