Auto Insurance in Dallas-Fort Worth

Texas requires at least 30/60/25 liability:

• $30,000 bodily injury per person
• $60,000 bodily injury per accident
• $25,000 property damage

Those limits can be used up quickly in a serious accident, especially with today's vehicle and medical costs. If you own a home or have savings, consider higher limits and an umbrella policy.

Texas insurers must offer personal injury protection (PIP) and uninsured/underinsured motorist coverage. If you don't want them, you must reject them in writing. PIP helps pay medical bills and lost wages for you and your passengers regardless of fault. UM/UIM protects you if the at-fault driver has no insurance or too little.

Comprehensive coverage pays for hail damage, theft, vandalism, and falling objects. If you carry liability only, hail damage comes out of your pocket. If you have a loan or lease, your lender likely requires comprehensive and collision. TDI recommends filing quickly after a storm, documenting the damage, and getting more than one repair estimate.

• Long commutes on I-35E, I-35W, I-30, I-20, I-635, and US-75 add mileage.
• Toll roads like the Dallas North Tollway, the President George Bush Turnpike, and the Sam Rayburn Tollway are common commuter routes.
• Covered parking can reduce hail damage risk. Ask if your carrier considers it.

1. Compare several carriers with the same limits and deductibles.
2. Bundle with home or renters insurance.
3. Ask about discounts for safe driving, good students, and multiple vehicles. Discounts vary by carrier.