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.

I’m Elderly. How Will That Affect My Auto Insurance?

When it comes to determining automobile insurance rates, age is one of the primary factors insurance companies consider. In general, a driver’s age is a good gauge of your driving experience and accident risk — the more years behind the wheel you have, the less likely you are to be involved in a collision and submit an insurance claim, and the more attractive you are to your insurance company. An exception to that measure is older drivers. In fact, the insurance rates jump between the ages of 60 and 70-year-olds is 18%! 

Why do Seniors Often Pay More for Car Insurance? 

Insurance companies set their rates based on age groups based on the general driving habits of that age group, so even if you’re a good Dallas, TX driver with a clean record, your rates will probably rise as you age. As a group, statistics show that senior drivers are more accident-prone than younger age groups. Some of the reasons for this may be changes in vision and hearing, medications, health conditions, and slower reflexes. As well as possible changes to safe driving habit changes, statistics show that regardless of collision severity, senior drivers suffer more severe injuries and more fatalities than their younger counterparts. 

How to Keep Insurance Premiums Low 

While the fact is that if you are over 65, your auto insurance premiums will typically go up, there are a few ways to keep costs lower. Here are a few ways State Insurance Solutions recommends to do that: 

Change your driver status – 65 is the age many people choose to retire, meaning that you likely won’t be commuting to work anymore. By reducing the miles you drive in Dallas TX every year, you can see significant savings on your rates. Talk to your agent to review your status and change the number of miles you drive to “leisure”. 

Take a Safety or Accident Prevention Course — Many insurance companies offer in-person and convenient online safe driving classes that could save you up to 10%, however, the actual amount will depend on all factors considered, including your previous driving record. 

Join a Membership Club – Many organizations such as the AARP offer a promotional price called an “affinity discount” to senior drivers.  

For more information about how to keep your insurance rates low during your senior years, call State Insurance Solutions and speak to a friendly agent today! 

Reclaiming your totalled car in Texas

When you are in an accident your car may be declared a total loss by the insurance company. If the cost to repair the vehicle is more than the market value. State Insurance Solutions in Dallas, TX can help you sort your options, and can help you make sure you have the insurance you need.

If the costs between the two are very close there may be some negotiation involved. If you disagree with the value the insurance company places you may check with car dealers and vehicles for sale to make your case.

If you want to keep your car you have to let the insurance company know as soon as possible. Soon after the claim is settled the car will likely be sold for salvage.  If you decide to keep your car, the insurance company will subtract the salvage value from what it was intending to pay you. The salvage value is low, so you will still get some money.

Once you make the choice and the claim is settled you will be given a salvage title.  You will still have to get a new title from the Texas Dept. of Motor Vehicles before the car can be legally driven.  Even with a new title, the fact it has been salvaged will be noted. It will be fine for driving but you may have a hard time selling the vehicle at a later date.

Call or visit State Insurance Solutions in Dallas, TX to get the insurance you need and your insurance questions answered. You may visit our professional staff in person, or give us a call. You may also visit us online and use our online tool to get an idea of what your insurance rates will be.  Get in touch with us today to make sure you have the coverage you need.

How to avoid hydroplaning

When you’re caught in a downpour in Dallas, TX, road conditions can quickly deteriorate. Keep yourself and your passengers safe by remembering the following tips to avoid hydroplaning, brought to you by State Insurance Solutions.

Be Aware

Hydroplaning often happens when a large amount of rain falls, especially in a short period of time, but it can happen any time there is an excessive amount of water on the road. Even if it is not currently raining, be aware of the road conditions and drive accordingly.

Drive Slowly

When conditions are favorable for hydroplaning, you should always drive cautiously and slowly, even as slow as 30 MPH. You should also take your foot off the gas as soon as you begin to feel your vehicle start to hydroplane, and turn the wheel in the direction you are hydroplaning to help your tires get traction on the road.

Don’t Use Cruise Control

Cruise control is a convenient function, but many people don’t know that using cruise control can increase your risk for hydroplaning. If conditions are favorable for hydroplaning, refrain from using cruise control.

Maintain Your Tires

The conditions of the road are the major culprit of hydroplaning, but you can help reduce your risk by keeping your tires in top shape. Always keep your tires at the correct pressure for your vehicle, and don’t let them get too worn down before replacing them.

When you feel your vehicle hydroplane, it can be a scary experience and a reminder to slow down and take it easy on the road. In the event that hydroplaning causes an accident, State Insurance Solutions, serving Dallas, TX is here for all of your auto insurance needs.

Why Windshield Wipers are Important for Safe Driving

Your windshield wipers are something you may not think about until a heavy rain or snow storm. Living in Dallas, TX, a storm can sneak up on you, and if your windshield wipers aren’t working correctly, you can be in trouble.  You depend on those wipers to clear the windshield to improve visibility, and nothing is more frustrating than realizing too late that they aren’t working properly.

Windshield wiper blades become dry and brittle by their exposure to all types of weather conditions.  Over time, they can crack and break apart becoming a hazard to visibility and possibly expose the metal that can scratch your windshield.  All of this is easily avoided with some regular simple maintenance and replacements as needed.  Never get caught trying to see when it’s pouring down rain or in a significant snowstorm with these tips to healthy windshield wiper blades.

To maintain your windshield wipers, periodically run a wet towel along the edge of the blade to remove dirt, dust, and grime that build up over time.  A quick wash will extend the life of the wiper blade and alert you to any cracks developing or if the wiper is becoming ridged and worn.  Having the wipers checked and replaced as needed when you take your vehicle in for routine maintenance is an inexpensive and easy way to keep them fresh and in good working order.  Be safe with better visibility. 

State Insurance Solutions

State Insurance Solutions provides auto insurance in the Dallas, TX area, and our independent agents care about your safety on the road.  Contact a State Insurance agent today to explore your auto insurance needs.  We can make sure you have the right coverage without items you don’t need at the best price possible.