Your auto insurance rate depends on who you are as a driver, as well as your age, your credit, your vehicle, and your location. How insurance companies weigh these attributes is reflected in your premium. For example, having a limited driving history or a poor credit score can raise your rates dramatically. Our analysis of major rating factors shows how premiums shift from company to company.
If you've been in a collision and fear that your vehicle is beyond repair, let our technicians take a look at it. They've been known to perform miracles! They'll even work directly with your insurance company on your behalf. Plus, unlike other car repair shops in Dallas, we set our customers up with My Repair Tracker, a unique online tool that allows you to check the status of your vehicle 24/7 - so you're always in the loop about what's going on. We also offer a customer lounge with comfortable seating, television and free Wi-Fi, along with other amenities.

I don't believe it is fair that insurance companies are allowed, by law, to check your credit report. I have worked my fingers to the bone to attain good credit. My credit score was excellent. After having a new HVAC system put in it went down to "good." My car insurance went up $139. It it very unfair to pay more for insurance because my debt increased. My finances should not be any business of the insurance companies. I always pay my bills on time and have never been late with a premium payment. So So UNFAIR!!


Location: Insurance companies have to pay out if your car is stolen so they will take into consideration where your vehicle sits every night. “Insurance companies are constantly looking at data to justify rates. Where you live can definitely have an impact on rates if there is a higher incidence of theft or vandalism near your home compared with other areas of town. Urban areas usually have a higher rate of accidents and theft than rural areas, so rates are higher,” says Biggert. “Each geographic area has its own set of risks, and the insurance carriers know what they are and how often they occur.”
To any good parent, our babies are our babies, be it a child, or an automobile. I must say that the statement "The driver carting around children tends to be more cautious than the person driving a muscle car" in most cases simply isn't true. Hot rod, muscle car and restored car owners are usually the type of driver that will go out of their way to park away from the other cars. Consider the fact that many of these cars have been built or restored by the driver. Typically the case is this person has an tremendous amount of time and money invested in the vehicle (Have you ever spent $15,000 on a paint job?). A restored muscle car or hot rod is a lot like driving a museum piece, many are rare, some are irreplaceable, so these drivers are many times more likely to be much more cautious so as not to harm their "baby."
As it currently stands with Texas, in the event of an accident, there’s a one in seven chance that the other driver won’t be insured. Unless you’ve purchased uninsured/underinsured motorist (UM/UIM) coverage, that’s money out of your pocket. Texas’s minimum requirements also don’t account for comprehensive coverage, which you’ll definitely want to take into consideration, since the state ranks first for monetary losses from “catastrophes” like hail storms and hurricanes.
One of the most common ways to lower your car insurance rates is by choosing a higher deductible. The deductible is the amount of money you must pay after an accident before your insurance kicks in. So, for example, if you are in an accident and there is $10,000 worth of damage done and your deductible is $1,000, you pay the $1,000 and your car insurance company pays $9,000. A higher deductible means less risk for your insurance company and lower rates for you. However, it also means that you need to have that much money on hand in case of an accident. If you go for a $2,000 deductible and don’t have $2,000 available after an accident, you won’t be able to get the repairs you need.
Collision coverage is limited to the actual cash value of the vehicle, and requires a deductible, which is the amount you'll need to pay before receiving benefits. Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs. Ask yourself how much you would be willing to pay on short notice in order to save on your premium, or talk to your agent.

Naturally, insurance companies use your driving past as an indicator of how you will drive in the future. It can be difficult to find affordable car insurance if you have a checkered driving history. While it’s very unlikely you will find an insurance company that won’t increase your premium after an at-fault accident or other violation, the degree of the rate increase will vary by company. Let’s compare rate increases for some common violations across major insurance companies.
1The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance and its affiliates, 175 Berkeley Street, Boston, MA 02116. ©2017 Liberty Mutual Insurance.

To any good parent, our babies are our babies, be it a child, or an automobile. I must say that the statement "The driver carting around children tends to be more cautious than the person driving a muscle car" in most cases simply isn't true. Hot rod, muscle car and restored car owners are usually the type of driver that will go out of their way to park away from the other cars. Consider the fact that many of these cars have been built or restored by the driver. Typically the case is this person has an tremendous amount of time and money invested in the vehicle (Have you ever spent $15,000 on a paint job?). A restored muscle car or hot rod is a lot like driving a museum piece, many are rare, some are irreplaceable, so these drivers are many times more likely to be much more cautious so as not to harm their "baby."
The most popular term life insurance option on the market, the 20 year term policy provides longer coverage than its shorter-term 10 year counterpart, though it comes with higher annual rates. These policies are usually recommended for young families who often have large debts and expenses, like mortgages and school loans, that would become extremely burdensome if the breadwinner of the family happened to die unexpectedly. Twenty years is typically long enough for the family to substantially pay down these debts and reduce the potential risk of someone else having to foot the bill should something happen. Take a look at the average cost by Rate Class below:
Amica consistently ranks among the top homeowners insurance companies for J.D. Power, and for good reason. It’d be easy to chalk it up to “good customer service”, but what exactly do customers value most when judging how good or bad a company’s customer service is? Insurance claims and how communicable they are through the underwriting process. When filing a claim with Amica, you can be sure it’ll be pain-free, mark it down.
While there are a couple of benefits of collision insurance, the main one is that you can file a claim and receive reimbursement regardless of who was at fault. Collision claims usually get processed faster than property damage claims because the insurance company does not have to spend time investigating who was at-fault. Another benefit is that you only deal with your own insurance company, rather than another insurer with less incentive to pay for your claim. Collision insurance can also be used toward your rental car in most cases, which can spare you from having to buy rental car insurance.
Another good way to get the cheapest auto insurance rates is to use as many car insurance discounts as you can. Car insurance companies offer many discounts, including good student discounts, paperless billing discounts, discounts for multiple policies, and discounts for going a certain period of time without making a claim. Some also offer discounts for things like having a tracker in your car. Read more about the car insurance discounts that can help you get the cheapest car insurance.

Vehicles loaded with safety features that tend to be driven by parents or other fairly responsible drivers make up the majority of our least expensive list. “Safety features such as airbags, lane departure, back-up cameras and automatic restraint systems all factor into insurance rates. If these technologies are found to reduce the risk of an accident, it may result in lower premiums for policyholders whose vehicles are equipped with these safety features.” says Michael Barry, spokesperson for the media and public affairs division of the Insurance Information Institute.
Let's use the aftermath of Superstorm Sandy as an example to illustrate the differences between collision and comprehensive. Within that storm, let's consider two events that might have happened: 1) a heavy tree branch fell on your car, or 2) you swerved to avoid a falling tree branch and wound up crashing into a tree. In the first event, you had no control over when or why a tree branch would fall on your car. This kind of accident would get reimbursed under your comprehensive policy. In the second situation, you were driving the car and ultimately swerved into the tree, which makes it a collision, and collision insurance therefore pays for the damages. Events like the hypothetical ones stated above are why it's important to differentiate between the two types of coverage.
BTW regarding the wreck- do NOT talk to the other insurance company- the @ fault driver’s insurance company. You’re not required if you have a lawyer. Get a lawyer!! Call them from the hospital if you have to they’ll come to you @ the hospital if you call them there. They’ll even come out to your house. Please don’t let the insurance company screw you. You just want what’s fair & your property covered fairly.
High Income: Those with a high income are facing a different problem. Many who have high incomes didn't purchase insurance in the past; they just paid health care expenses as needed. Paying two percent of a high income for the penalty can be a rather large sum for high-income persons. In this case, it might be cheaper to just buy qualifying health insurance. If you are in good health, you might want to choose the lowest qualifying plan. If you have ongoing health issues, you may as well bite the bullet and choose a more exhaustive plan and lower your out-of-pocket expenses.
The sticker price, high repair costs and what is under the hood can result in a sky-high premium. The 2019 BMW M760i xDrive, No. 5 on our most expensive list, is a good example. “It's little wonder that the M760i xDrive costs a bundle to insure, it's a small fortune to buy in the first place. The ultra-luxury sedan's six-figure price offers amenities like hot-stone massaging seats, retractable footrests and fragrance-enhanced ventilation — plus a 601-hp, twin-turbocharged V-12 that took just 3.5 seconds to scorch 60 mph,” says Mays.

There isn’t a definitive answer to the question, “which company is the cheapest?” Some companies are cheaper than others, plain and simple, but individual details of your driving profile can affect which companies offer you the cheapest rates. For example, while Nationwide wasn’t the cheapest for a driver with a clean record, it was the relatively cheap for a driver following an at-fault accident. The best way to find cheap car insurance is to compare as many companies as possible using your driving profile.


In the 2018 midterm elections, ballot measures passed in both Missouri and Utah legalizing the use of medical marijuana. This means that in total, 32 states and Washington D.C. now allow for the medicinal use of cannabis. So can you use your health insurance to help pay for it? Due to the U.S. government's classification of the plant as a Schedule I drug, you can't use Medicare to pay for medical marijuana because it technically doesn't have any accepted medical use. Private insurers won’t cover it either, partially because the Food and Drug Administration hasn’t approved it for use. If you’re outside of the U.S. you’ll have more luck. With the legalization of recreational marijuana use in Canada in 2018, Sun Life Financial is now offering plans that cover medical marijuana use.
In most states, a DUI is the most costly violation you can receive. Moreover, in states like California, it will stay on your insurance record for 10 years! Based on our analysis of the most popular car insurance companies, this would set you back an average of $1,200 in insurance rate increases during that 10-year period. To limit costs, do your due diligence and shop around: Progressive and USAA are the cheapest insurance options after a DUI — consider starting with those providers.
The best car insurance companies have a few things in common: They have straightforward shopping experiences, take good care of policyholders after a crash and treat their customers with respect and courtesy. That means only insurers with high customer satisfaction scores and relatively few complaints to insurance commissioners make it to the top of our list of the best auto insurance companies.
×