Shopping for insurance and getting quotes has never been easier than doing it online. Whether you need auto, life, business, home or health insurance quotes, there are many insurance agencies who serve the local Dallas communities willing and able to meet your individual or family needs.
Having the proper coverage from a reputable insurance company is important when the unexpected happens, as well as your family in the event of an accident.
For some people, finding insurance quotes online can sometimes be challenging. Cheap isn’t always better. In order to find the best protection, lowest cost and coverage options, it is recommended to know beforehand what your actual needs are.
Insurance companies offer all types of discounts and you may qualify for some of these. Here is a list of what can save you money:
Most insurance companies offer a 10 to 15 percent discount if you insure your car and home with them.
You can save 10 to 15 percent if you insure two or more cars with the same company.
You can get a discount if you have installed anti-theft alarms in your vehicle, airbags or antilock brakes.
Several insurers offer a discount on your policy if you have taken a defensive driving course or if you install a driving tracking device in your car or on your smartphone.
Do you use public transportation or don’t drive too much? The less miles you put on your car, the more money you can save.
Talk to a Dallas agent about what discount you may be eligible for before purchasing an auto insurance policy.
DUI Insurance is often referred as “SR-22 Insurance”. Dallas drivers whose license has been suspended or revoked are required to file and maintain an SR22 Insurance Certificate with the Texas Department of Public Safety for a period of two years.
Reasons why a person’s license may be suspended:
There are many insurance brokers who that can help you (that speak Spanish if needed) understand all of your options and help you find auto insurance after your license has been suspended and has been reinstated.
Texas ranks third in the country for Latino owned businesses. As a small business owner or independent contractor, you may be required to carry certain types of Business Insurance. These insurance plans not only protect your customers, but also you and your business should any claims be made against your work or an accident occurs that injures a person or damages another’s property.
Business Insurance can also include employee health insurance, commercial property insurance, business income insurance, data breach insurance and workers compensation etc.
Business Liability Insurance will pay compensation for any third party injury or damage to another’s property that you are determined responsible for. It will also provide compensation if one of your products cause injury or damage.
Here are some examples of how Business Liability Insurance can protect you:
You own a small landscaping business and your mower throws a rock and breaks a window. Your business liability insurance will pay for the window replacement.
Whether you own a small café, popular taqueria or a busy restaurant, if one of your customers is served under-cooked or cross-contaminated food and gets sick, your general business liability policy will cover the medical claims.
Surety Bonds are required any time you bid for a private construction project or a public works project. Even homeowners will want to know that you are licensed and bonded before letting you perform any home addition, repair or remodeling work.
Contractor License bonds guarantees that the contractor will conduct business lawfully and ethically and that their work meets industry standards.
Bid bonds guarantee that if you are chosen as the winning bidder, you will accept the job. For projects valued at $100,000 or more, federal law requires all contractors to carry a Bid bond.
Performance bonds or contract bonds guarantee that, you as the contractor will complete the project according to industry standards and laws.
Payment bonds guarantee all workers, subcontractors, and suppliers will be paid according to the terms of the contract.
Contractor equipment insurance provides the money to replace or repair a contractor’s tools and equipment if they are lost, stolen, or damaged.
Provides coverage for company cars and trucks, certain motorized equipment and employed drivers. Should an employee cause an accident while driving a business car or truck, commercial insurance provides for bodily injury liability, property damage, and medical payments.
This coverage ensures your employee’s financial needs are met if they are injured at work and protects you, as the employer, from being sued to cover the costs of their injury. It provides funds for medical care and rehabilitation, as well as compensation for lost wages.
Homeowners in Dallas pay higher insurance rates than the national average due largely to weather-related risks, such as: hailstorms, wind-storms, tornadoes and residual hurricane affects.
The average cost of home insurance in Dallas is approximately $3,430 per year for a coverage level of: $300,000 dwelling with a $1,000 deductible.
While discounts vary from one insurance company to the next, you may be able to qualify for the following discounts if your home has:
Other discounts may apply it you have multiple policies with the same insurance company, if you have a newer constructed home, if you keep your property in good condition (and free of old fencing and sheds), and have not filed claims for several years.
Health Insurance in Dallas, like most major cities, is oftentimes provided by a place of employment. However, if you are a student, work part-time, work from home, self-employed, a contracted employee or simply work at a job that does not offer benefits, then there are other ways to purchase an individual health plan.
During open-enrollment each year (generally during the months of November through December) the Healthcare Exchange for Texas offers you the chance to review different plans and prices and in some cases, qualify for financial assistance to cover the costs of insurance.
There are, however, many licensed brokers who represent individual insurance companies that allows you to compare health insurance plans you won’t be able to find on the Obamacare exchange.
For individuals in Dallas who are retired, over the age of 65 or are deemed permanently disabled, Medicare is available. Being a federal health insurance program, there are several parts or options to choose from.
Sometimes knowing which Medicare plans to choose can be confusing. A licensed health insurance agent in Dallas can help explain your choices, as well as how you may be able to save money with Medicare Supplemental Insurance or Medicare Gap Insurance.
The Bilingual Insurance Agency Directory. Since 2008, Seguro-Insurance.com has helped consumers find affordable insurance rates in their native language.
