Dallas Car Insurance Policy 2020

Dallas Car Insurance 2020

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Dallas, the metropolitan center of Texas:

The cultural and commercial center of Texas, Dallas attracts people from all over the world. Soaring above the skyline of Dallas, Reunion Tower gives spectacular views to the visitors from its deck. You can enjoy some savory delights at its rotating restaurant. The magnificent domed football stadium in Arlington is Texas’s topmost attraction. Apart from this, the Dallas Museum of Art, Downtown’s Sixth Floor Museum at Dealey Plaza and the Dallas World Aquarium are some of the most fabulous places to visit in the city.

Car insurance policy 2020 in Dallas:

Having a car insurance policy is mandatory in Texas as most of the other states in the US. The minimum insurance requirement in Dallas is as follows:

  • Bodily injury liability: – $30,000 per person for bodily injury whereas $60,000 for the whole accident.
  • Property damage: – $25,000 for damage to property.
  • Uninsured motorist coverage: – $30,000 per person for bodily injury whereas $60,000 for the accident.
  • Personal injury protection: – $25,000 for damage to property with $250 as deductible.

These are the minimum levels of coverage you must have as per the car insurance policy law. However, these levels are not sufficient so you must get a higher level of a car insurance policy.

Driving laws in Dallas:

Living in Dallas, Texas you must know the driving laws. Here are some of the common laws.

  • Seat belt rule:

This is one of the most common laws in most states. Even then drivers and passengers tend to neglect it. Texas driving law makes it compulsory to wear a seat belt regardless of whether you are on driving seat or passenger seat. Failure to do so can very costly. Fines can go up to $200 along with court hassle.

  • Use of cell phone:

One of the most common reasons for car accidents is distractions caused by the usage of mobile phones. In Texas, it is unlawful to text messages while driving. In Dallas, fines for offending this law can range between $200 and $500. However, if you have to make an urgent call you can make use of a handheld phone.

  • Driving under influence:

This is the most severe offense regardless of which state you are driving in. The blood alcohol concentration (BAC) level indicates if you are breaking the law or not. In Texas, the BAC level should be less than 0.08% for adults while for drivers below 21 years it must be less than 0.02%. For those who break the law for the first time fine could be as much as $2000. A license could be suspended for 90 days or even more. Moreover, you might even have to spend time in jail ranging from 72 hours to 180 days.

Car insurance policy providers in Dallas:

There are a variety of car insurance policy providers in Dallas. Depending on your preferences you can choose your insurance company. Those who are looking for low cost car insurance policy, State Farm is undoubtedly the best choice. The company has been offering insurance for a long time so it is well trusted by customers. Even if you do not have a good credit score, State Farm promises a lower rate than most of the insurance providers.

If you have more than one vehicle or multiple numbers of drivers to insure, Nationwide is the most suitable car insurance provider. Its comprehensive procedures and policies make it convenient to bundle your insurance policies together. Nationwide allows you to save substantial sums of money in such a scenario.

Those who are extremely prudent while driving can enjoy lower rates in Dallas from Root car insurance companies. This company bases premiums on the driving habits of the customers. This is a fair and just method of pricing for those who seldom break laws and get into accidents.

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