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Posts Tagged Dallas Tx

Dallas Car Insurance

Feb 22

Posted by admin in Dallas Car Insurance | Comments off

What are the minimum requirements for a Dallas car insurance?

Jerry

Dallas TX

Under the law, the minimum coverage required for a Dallas car insurance is $25,000 for single bodily injury, $50,00 for all bodily injuries and $25,000 for property damage. Texas will only require you this much. However, getting a liability insurance may not be enough. Consider the times when you get involved even in minor accidents. A dent in the fender or a broken headlight could cause you hundreds of dollars. While the liability coverage will take care of the other party’s damages, no one will pay for your car’s repairs. It’s not always that we have a lot of extra to pay for car repairs whenever we want to. Even if we do, it would still be nice to have somebody else pay for it.

There are also instances when your car gets damaged because some neighborhood punks thought it funny to break your windshield or spray graffiti on your car. That would certainly cost you a lot of money. But if your Dallas car insurance provides for incidents like these, then, you need not worry about car repair payments. This type of coverage is called comprehensive and should be included in your Dallas car insurance. With a comprehensive protection, you have better protection and greater peace of mind.

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How Save Money After DUI Conviction

Jan 25

Posted by admin in Dui Insurance Dallas | Comments off

I was wondering what I should do in case I get caught drunk driving. I’m 20 years old and I want to know how to deal with it in case the worst case scenario comes. Thanks and God Bless!

Jason

Dallas TX

 

You’ll need an SR-22 if you’re caught breaking the law in certain situations, in your case, DUI. After you get your license back, you have to file an SR-22 and along with your vehicle’s insurance. It’s an expensive process and only your state can determine when your SR22 can be lifted.

As soon as you got your license back, shop around for an auto insurance company that can provide you a service regarding your DUI case. There are lots of auto insurance companies out there especially if you’ll look for in the internet. Take this as your advantage, since most auto insurance company will battle over you as a new client.

To save money, combine your regular insurance with the SR22 on just one insurance company. Another way to lower your insurance cost is to make your deductible a bit higher. A good tip on deciding to get a higher deductible is to open a savings account. Save money for it and make monthly payments. Once your saved money matches your deductible, you can opt to stop and let it grow on interest. You can also do this tip with any other deductible you might have, whether it be health or home insurance. Once the interest is high enough, you can use it for as investment or you can let it go as an emergency fund. This tip will not only save you money but it will also serve as a responsibility to oneself or your love ones.

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Texas DUI Law Penalties

Jan 18

Posted by admin in Dui Insurance Dallas | Comments off

I have a friend who is charged of DWI for the first time. I heard that this has a very big impact on his car insurance rate once he is convicted. I am curious about DUI/DWI Laws here in Texas. Can you help me?

Rose

Dallas, TX

A driving while intoxicated (DWI) conviction is one sure way of getting higher auto insurance rate for you. And with this, I’ll never recommend drinking and driving at any times.

As to your questions about DUI/DWI Laws, having convicted of DWI in Texas is considered a class B misdemeanor:

For first time offenders, it means serving a jail time for a minimum of 72 hours or 3 days, or if you are caught with your alcoholic container open, it means a jail time for 6 days.

In addition, you will also be required to pay fine not exceeding $2000. However, this does not include other additional charges which you may be required to pay;

Moreover, your license will be suspended for a period of one year. For this, a person may be given an occupational or conditional license.

Also, he will be required to attend a 12 hour DWI program;

Furthermore, he will be required to do community service for a minimum of 24 hrs but not exceeding 100 hours.

Lastly, his vehicle will not be impounded.

I hope I was able to help you with your DUI/DWI Laws inquiry. I always emphasized the importance of driving carefully. Please do not drink and drive. It does not only save your life but also the life of other people.

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Free SR22 Auto Insurance Quotes Texas

Jan 18

Posted by admin in SR22 Insurance Dallas | Comments off

My license is suspended because of some drunk driving activity that I had. Now, I am required to maintain SR-22 insurance for some years. I’d like to know, how could I get free SR-22 insurance quotes in Texas? Also what is this SR-22 insurance?

Billy

Dallas, TX

Hello Billy! I’m sorry to hear what happened to you. I do hope you’re recovering now.

Now let’s go back to your questions. First let me just give you an idea on what SR-22 insurance is. A person is required to file for SR-22 insurance because of some traffic violations he had committed. Usually this involves being caught driving without auto insurance coverage or convictions of DUI/DWI.

The SR-22 insurance is a form that proves that you have an active and existing auto insurance coverage that meets what is required by the state of Texas. And in your home state, starting April of 2008, it follows a 25/50/25 coverage wherein $20,000/ injured person, $50,000 for people involved in the accident and $25,000 covering for property damage.

In addition, regarding your other question, you can get free SR-22 insurance quotes through the websites. Usually, you will only be asked to give out your personal information like name, address, contact number, your zip code or even your email address and you’ll get several free SR-22 insurance quotes right away. It’s that fast and so easy and convenient to get free SR-22 insurance quotes from online tools. I would suggest you start doing it now, by entering your zip code here. Don’t forget to ask your auto insurance agent if you have other question regarding SR-22 insurance.

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Get Cheap Teen Auto Insurance Texas TX

Jan 17

Posted by admin in Teen Car Insurance Dallas | Comments off

I have a teen daughter who will be under my auto insurance soon. I know that adding teen driver will surely increase my car insurance rate. So, I really need tips on how to get cheap teen auto insurance for my daughter. We live in Texas if that would help you. Thanks in advance!

Lean

Dallas, TX

Yes you are correct Lean. Normally, adding teen driver under your car insurance policy entails higher car insurance premium because teens are riskier to be insured. As proven by studies, teens are likely to be involved in vehicular accidents as compared to adult drivers. That’s why car insurance companies tend to give higher car insurance premium to those who have teens under their car insurance policies.

Now, let me just give you some tips on how to get cheap teen auto insurance:

First, increase your deductibles. If your current deductible is $100, increasing it to $500 will save you around 10-20% on your premium;

Second, enroll her in a driving class. This will insure getting as much as 15% discount off your car insurance premium;

Third, demand for good grades. If your daughter gets good grades, this could mean getting as much as 10% discount;

Fourth, add her under your policy and do not buy a separate policy. By doing this you’ll get as much as 15% discount;

Fifth, shop online. Compare quotes by shopping online. You’ll surely save a lot of money by doing this

If you have those, make sure to inform you car insurance agent to be able to qualify for those discounts. Don’t forget to ask your car insurance agent on how to get cheap teen auto insurance for your daughter. Good luck and I do hope you get cheap teen auto insurance.

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