Thursday, April 16, 2009

Tips on Saving on Dallas Auto Insurance

By R. Lee

The make and model of car will determine the Dallas Auto Insurance rate. The newer the car and more expensive the car, you will pay lot more for car insurance. The insurance company, the agent, and the amount of coverage needed will determine the rate you have to pay.

Even the same coverage can cost differently at different companies and different agents. So, it is imperative that you comparison shop for Dallas Auto insurance to get the best rates possible. Or even better check out online insurance agencies or sites to get quotes for low prices.

Call your family and friends and have them relate their particular experiences with their Dallas auto insurance companies. A company with poor service is not what should be at the top of your list, regardless of their price quotes.

You may also wish to consider higher deductibles on collision and comprehensive, known as fire and theft coverage. By increasing the deductible, which is the amount you'll pay before the insurance is responsible to pay, you may be able to considerably reduce your insurance premiums.

One of the things you can do to save is, if you have good medical insurance, you can remove medical coverage from your Dallas Auto Insurance. PIP(personal injury protection) is there to pay medical costs, as well as pay up to 80% of your lose wages. Having PIP is something you should seriously consider.

Dropping collision or comprehensive coverage might be an option if your car does not have too much value, if it is an older car. Just having liability insurance might be sufficient. Ask the insurance company or agent about other discounts available. Having multiple cars or homeowners insurance with the same company will save you money in forms of discounts.

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