What Happens If I Don’t Get Auto Insurance?

Is your car insurance cover provider unable to give you coverage this year? Well, worry no more! You may have some options available for you. All vehicle owners must get auto insurance in the United States. But it can become challenging to get auto insurance coverage if you’re regarded as a high-risk driver or have a poor driving record.

You may also fail to get auto insurance coverage if you own a high-performance or special kind of custom-designed vehicle that’s slightly different from conventional models. Here are some of the reasons that may get your auto insurance cover application rejected.

  • Having many traffic law violations
  • Getting involved in many at-fault motor vehicle accident
  • Being too old
  • Being young and with minimal driving experience
  • Having a low credit-based insurance score
  • Living outside the insurance coverage provider’s jurisdiction
  • Living in areas where vandalism and theft rates are high

So, What Can You Do When You Can’t Get Auto-Insurance Coverage? 

Suppose you can’t find auto insurance coverage from some insurance firms in Dallas, Texas. In that case, the best option you have is to explore alternatives, which include insurance companies that offer high-risk or non-standard auto insurance policies. Here are some potential short-term solutions.

Apply for an insurance coverage quote from more than one insurance company. Different insurance companies evaluate applications differently, and you may get one that can give you a cover. 

If you’ve failed to get coverage from low-cost insurance companies, then you should try high-risk or non-standard auto insurance companies. Unfortunately, you may have to pay high premium rates. 

You may also share an insurance cover with a family member or friend. 

If you’re seeking long-term solutions to this challenge, then work on improving your driving record and fix your credit score issues. 

Get a High-Risk Auto Insurance Cover in Dallas, TX Today

If you’re a Dallas, TX, resident, then try the D&B Insurance Solutions firm. At D&B Insurance Solutions, you can get a non-standard insurance cover. Visit the D&B Insurance Solutions website to get a quote today.

When should a Dallas business get an auto insurance plan?

Businesses all over the Dallas, TX area will find the large metro area provides a lot of opportunity for success. When you are going to own a business here, being able to reach the area is very important. Due to this, many businesses will need to invest in vehicles that are owned by the company. Along with this, you need to get insurance for the vehicle. There are a few situations when a Dallas business will need auto insurance.

When Driving on Texas Roadways

A common situation when an auto insurance plan will be needed by a business is when a driver wants to take it out onto a Texas roadway. The state of Texas is similar to other states in that it requires drivers to maintain liability insurance on their vehicles. If your business does not have insurance on the vehicles, they could face serious penalization and will also be taking on significant liability risks that could jeopardize the financial health of the company.

When Wanting to Protect Assets

The business world today is quite competitive and all businesses need to try to operate efficiently. One way to do this is by protecting all of your business assets as well as you can. If your business owns a vehicle, you need to have a full collision and comprehensive plan on it. This can prove to be helpful if the vehicle is ever damaged or stolen.

Any business that would like to own a car in the Dallas, TX area should speak with the team at D&B Insurance Solutions. Those that work with the team at D&B Insurance Solutions will find that they will have all of their necessary questions answered. This can help ensure that anyone will be able to make an informed decision when it comes to picking insurance. 

Auto insurance add-ons you may want to consider

Auto insurance provides a variety of different types of coverage. A basic auto policy will offer liability coverage which is mandated by most states. Sometimes you may have to have collision and comprehensive coverage. When you need auto insurance, a trusted independent insurance agent can help you to choose the best auto insurance. In Dallas, TX, D&B Insurance Solutions offers expert solutions. We believe your insurance matters and so does your agent. 

Roadside assistance

When your car breaks down or you have a flat tire, you may be stranded. Some people have coverage for these types of events through an automobile club like AAA, You can however have the same type of coverage from your auto insurance carrier. Usually, this type of coverage is less expensive from the insurance company which makes it an attractive add-on. 

Rental coverage

If your vehicle is damaged in an accident you won’t have any way to get to work. If you have rental coverage add-on you will be able to get a rental car while your vehicle is being repaired. It will also provide a rental car for a short time if your vehicle is totaled so you can find a new car. 

Uninsured motorist

Normally if you are in an accident with someone and they are at fault, their insurance will pay for your injuries. If they don’t have insurance or if they don’t have enough insurance, you could be left in the lurch. If you have really good medical insurance then maybe this insurance is redundant but if you are in doubt, it’s good insurance to have. 

At D&B Insurance Solutions in Dallas, TX, we help our clients find the right policy for their needs. We represent multiple carriers which allows us to find the most competitive prices. Contact us for a free quote. 

Should I get auto insurance in Dallas?

The Dallas, TX area is one of the largest and fastest-growing metro areas in the country. Those that live in this area of Texas will need to have a car to ensure they can enjoy all that hte area has to offer. If you are going to buy a car in Dallas, you should also spend time assessing your insurance needs. There are several reasons that you should get this insurance when you are here.

Insurance Will Protect My Vehicle

One of the reasons that you should get auto insurance when you are in the Dallas area is that it can protect your vehicle. A car is a very important asset for those that are all over this metro area. If it is stolen or damaged, you may be in a challenging position if your cannot afford to repair or replace it. Fortunately, you can get an insurance policy that will give collision and comprehensive protection to ensure you can replace it. 

Insurance is Required

You will also want auto insurance coverage because it could be a requirement for you. Drivers in Texas are required to carry liability insurance and could be penalized if they do not maintain coverage. Additionally, if you have taken out a loan to buy a car, you will need to comply with the insurance obligations set forth by your auto loan provider. Most of the time, this will include requiring you to get comprehensive and collision coverage.

If you are looking for an auto insurance policy in the Dallas, TX area, it would be a good idea to call State Insurance Solutions. The team at State Insurance Solutions can offer you plenty of insurance solutions that will ensure your vehicle is properly covered. This will provide you with valuable protection and peace of mind. 

Do I need auto insurance in Dallas?

The Dallas, TX area is one of the largest metro areas in the entire country. This is a vast area that makes owning a car here practically a necessity. When you are going to purchase a car here, you need to ensure that you get the right insurance in place. There are several reasons why you need to get a full auto insurance policy for your vehicle in Dallas. 

Required to Comply with Law

One important reason that you need to get auto insurance for your vehicle is that it is required by law. Those that own a car need to comply with the state rules regarding liability insurance. To drive a car legally in any area of Texas, you need to have the minimum level of liability insurance that will ensure you can pay for damages that you may cause in an accident. Those without coverage could face a variety of penalties.

Required to Protect Vehicle

Beyond needing to have insurance to drive legally, you also need to have coverage to ensure that you are able to properly protect your vehicle. The best way that you can protect your vehicle and your investment is by getting a full collision and comprehensive insurance policy. This form of insurance will give you the protection that you need to repair or replace the vehicle if there is damage or you are a victim of theft.

Those that are looking for a new insurance policy in the Dallas, TX area should contact State Insurance Solutions as soon as they can. When you call the team at State Insurance Solutions, you can learn a lot more about how a quality policy can protect you. The team will then help to ensure you get into the right policy for your situation. 

Mistakes To Avoid When Shopping for Auto Insurance

If you live in Dallas, TX and have a car, auto insurance is required to drive on public roads. You need to carry at least a minimum amount of liability insurance that will cover the costs of property damages and medical treatment in case of an accident. Choosing the right coverage for your vehicle is not easy and should be based on an informed decision. In order to help you with that, State Insurance Solutions has prepared the list of the most common mistakes you should avoid when buying car insurance: 

Getting The Minimum Coverage

Many car owners believe that the minimum coverage required by the state is more than enough. However, there are certain situations when it is not enough. As a driver, you should understand the risks you face if you are involved in a serious accident. If you have minimum coverage, it might not cover most of the expenses. As a result, you might end up paying a lot out of pocket. 

Lying To An Insurance Company

One of the worst things you can do is to provide your insurance with fake information. You may think it is ok to lie in order to get a better rate, but your coverage might be jeopardized if your lie comes to light. It is important to know and understand that quick savings might come back to bite you. Therefore, if you have received any tickets or been in an accident, you should tell your insurance agent about it. 

Buying More Coverage Than Necessary

Getting more coverage than you need is a waste of money. If your car is not expensive to repair, less collision or comprehensive coverage might be enough for you. Also, if you belong to an auto club that provides roadside assistance to its members, there is no need to include this service into your coverage. 

If you are a resident of Dallas, TX or any other surrounding town and you are shopping for car insurance, do not hesitate to contact State Insurance Solutions to get more information about auto insurance and the options available.

How The Texas Heat Can Affect Your Car

Driving in Dallas, TX you get to see a lot of beautiful scenery, but our warmer climate can take a toll on your car. The problem starts with overheating, and then it can have a ripple effect from there.

Your cooling system has to work overtime to keep the engine running at a manageable temperature on hotter days, and that’s going to put extra wear and tear on belts and hoses, among other parts.

There are some things that you can do to combat the temperature and stay safe no matter how hot it gets. For instance:

  • Flush and refill your coolant every two years or so. You’ll also want to check your coolant levels regularly. If it’s lower than you were expecting, then there’s a good chance that you have a leak somewhere.
  • Keep an eye on your engine’s temperature gauge. If you’re climbing into the red, there are a couple of things you can do to cool the engine off. You can run the heat for a minute to allow the heat to escape, or you can pull over in a parking lot or rest stop, park in the shade, and allow it to cool off.
  • Check your battery at the start of summer. The heat can burn through your battery’s life, so you want to make sure that your battery’s not on its last legs.
  • Consider your driving habits. Carrying extra weight, pulling a trailer, or driving through a lot of stop-and-go traffic can wear your engine down in the heat. Keep your car clean of anything you don’t need to be carrying, and avoid cluttered traffic, even if that means taking the longer route.

If you’re shopping for insurance in Dallas, TX, call State Insurance Solutions or go to the State Insurance Solutions website for the protection you need.

Three things to know regarding uninsured and underinsured motorist coverage

One of the numerous add-on auto insurance features available to motorists in Dallas, TX is uninsured and underinsured motorist coverage. This is a good feature to have on policies offered by insurance providers such as State Insurance Solutions.

The following are three things to know regarding uninsured and underinsured motorist coverage when you’re on the market for an auto insurance policy.

There are many uninsured and underinsured motorists out on the road.

A lot of motorists assume that the vast majority of drivers carry required insurance due to law enforcement efforts by the police. In fact, this is not the case. There are probably far more uninsured drivers out on the roads than you think. As of 2015, it was estimated that as many as 13 percent of drivers were uninsured. 

You could get in an accident with an at-fault driver who doesn’t carry any auto insurance. 

With all the uninsured drivers out there, it’s obviously entirely possible that you could get in an accident caused by one of these drivers. If this happens, your own insurance will have to cover the damage costs. However, this will only happen if you have collision coverage. If you don’t have collision coverage or uninsured and underinsured motorist coverage, you’ll have to pay for the resulting accident damages to your own vehicle out-of-pocket. 

Some states require motorists to carry uninsured and underinsured motorist coverage. 

In Texas, uninsured and underinsured motorist coverage is not required by state law. However, it’s important to note that some states consider this type of coverage so important that they require it by law. 

Still have questions about uninsured and underinsured motorist coverage in Dallas, TX? We’re here to help. Contact us with your questions at State Insurance Solutions. 

Can Teen Drivers Have Their Own Auto Insurance in Texas?

Every person driving a vehicle on Texas roads has to be properly insured. And yes, this includes your teenage driver. If they are caught driving without insurance, they will face serious fines. So, it isn’t a question of whether or not your teen needs auto insurance — it’s how, and when, they will get it. At State Insurance Solutions, we insure teens all across the Dallas, TX area. And because we value their safety on the road, we’re here to make the process as simple as possible! 

Adding Your Teen to Your Insurance is Usually the Best Option

As their parent and/or legal guardian, the simplest (and most convenient) option is to have them added to your existing policy. This choice usually saves the most time and money, and the process is fairly simple. If your teen will be driving your car, just ask to add them to your policy and submit the required documents. This is also a great time to evaluate your existing policy and see if you want to make other adjustments. 

What if My Teen Has Their Own Car?

If your teen has their own vehicle, you will not be able to add them to your existing auto policy unless you also add the vehicle. This means that you will also need to be the car’s legal owner and have it registered under your name. Another option here is to take out a separate insurance policy on the car under your name and then add your teen. 

In the state of Texas, teens (under the age of 18) are technically allowed to have their own auto insurance policies. However, it’s worth noting that their premiums as an individual teen driver will be very different. This is why so many parents opt to just add their teen onto their own insurance. 

Getting Started

Whether you have more questions about your teen driver’s insurance options or simply want to get them added to your existing policy, the experts at State Insurance Solutions are here to help. Come stop by our Dallas, TX office or give us a call today!

How to make sure your car is ready for winter

Winters in Dallas, TX are mild compared to states like Colorado and Minnesota, but it can still get pretty cold and sometimes it even snows. Protecting your car during those cold months is important, and at State Insurance Solutions, we like to help make sure you’re ready when winter is at your door.

Always make sure your vehicle is well maintained

Pay attention to the manufacturer’s requirements, and schedule your oil changes, tire rotations, and other recommendations on time. That doesn’t just make sure everything is working right, but it gives your mechanic a chance to check out your vehicle and maybe notice issues that will turn into big problems down the road.

Plan your route and check the weather ahead of time, but stock your trunk with emergency supplies

Even when you’re paying attention, bad weather can take you by surprise. Keeping a first aid kit, flares, a blanket, a spare tire, and even snacks could save you if you get stuck on the road.

During very cold weather, keep your tank at least half full

This can help keep your fuel lines from freezing. Putting your vehicle in the garage overnight will protect it from the elements, keeping the car from freezing overnight.

If you are ever trapped in your vehicle during bad weather:

  • Do what you can to stay warm. Use your blanket, clothing, and anything else to maintain your body heat if possible, and if it’s safe, run the heater sometimes.
  • Stay with the car. If the weather is so bad you’re stranded, the only thing you might accomplish by leaving the car is getting lost.

If you’re in Dallas, TX, you probably appreciate that winters aren’t terrible. But you still need to be safe. If you have any questions about winterizing your vehicle, or if you have an auto insurance questions, please feel free to call State Insurance Solutions today.