Do I need auto insurance in Dallas, TX?

In a recent study, Dallas finished in the bottom 15% of the 200  cities where you are least likely to have an accident, it was ranked number 172.  Another sobering fact is that Texas leads the nation in motor vehicle deaths. The cold fact is that at least one person dies on Texas roads every day. It should not come as a surprise that the state of Texas mandates liability auto insurance coverage. Texas has a 30/60/25 requirement. That means $30,000 in bodily injury per person with a max of $60,000 per accident and additionally $25,000 in property damage. Having an insurance agent who is knowledgeable is a must and the team at Alloy Insurance Partners in Dallas, TX fits the bill perfectly.

Given the statistics about driving in Dallas, expanding your insurance coverage beyond what is required is an excellent idea. If you have a vehicle loan, your lender will require that you carry collision and comprehensive coverage. Even when your loan is paid off, keeping this important coverage is a good idea Ask yourself if your car was damaged or totaled would you be able to repair or replace it easily? If the answer is no then collision and comprehensive is a good option for you. If you have assets, you may also want to consider increasing the amount of the liability coverage that you carry as well. The minimum is what is required but it may not be what is right for you. 

Whether you are a new driver or looking to talk to a new agent, at Alloy Insurance Partners in Dallas, TX, we welcome the opportunity to discuss your needs and the products that we have to offer. You can stop by our office or give us a call to set up an appointment for a no-obligation quote.