Cheap Texas Auto Insurance

[Sulame66]

My California policy is expiring soon so I have to swap to Texas

Apparently, despite living in LA county, Alameda County, and Sacramento County, Dallas County is more congested and costlier. Good one, God

I drive a 7 year old Sedan with 85,000 miles and have no intentions of trading it in or upgrading any time soon. That said, it's worth ~ $4,000 and nearing the borderline of 'is it worth it to have collision?'

I also don't really want PIP, because with these coverages you either need something absurd like $100,000 coverage or what's the point? I mean, if I go to the hospital or take an ambulance under officer's orders or any of this junk the bill is going to be $25,000 +, is the $1,500 coverage I get on my policy really going to do anything? If I'm out of work for 2 months because my right arm is broken, same question?

And I don't own any property and have nothing worth seizing, so 100/300 bodily injury and 50 property damage sound good

I've worked in insurance and don't really care about customer service or an agent holding my hand. I know more than the agent anyways

Good options?

[Just Joe]

Consumer Reports plus comparison shopping?

I called the local multi-brand agents and asked them to comparison shop for me.

[jtraggie99]

People need to stop moving to Dallas! :)

Seriously though, the traffic here is turning into LA congestion.  I grew up around Dallas but spent a few years in LA so I can see the similarities.  It's driving up home prices and everything else (insurance rates due to the huge mass of people on the road!). 

Oh, and I don't know what you consider cheap, but I've used USAA my whole life.  Nobody seems to beat them, if you can get them.

[InnTee]

I drive a 7 year old Sedan with 85,000 miles and have no intentions of trading it in or upgrading any time soon. That said, it's worth ~ $4,000 and nearing the borderline of 'is it worth it to have collision?'

IMO if you can afford to replace/repair it yourself, it's not worth it to pay for collision coverage.

I also don't really want PIP, because with these coverages you either need something absurd like $100,000 coverage or what's the point? I mean, if I go to the hospital or take an ambulance under officer's orders or any of this junk the bill is going to be $25,000 +, is the $1,500 coverage I get on my policy really going to do anything? If I'm out of work for 2 months because my right arm is broken, same question?

Agree. If the PIP coverage is $1,500, that's not worth paying premiums for.

And I don't own any property and have nothing worth seizing, so 100/300 bodily injury and 50 property damage sound good

I've worked in insurance and don't really care about customer service or an agent holding my hand. I know more than the agent anyways

Good options?

I come out differently on liability limits. I have crazy-high liability coverage because I don't want one accident to screw up my family's financial future.

If you're willing to spend a bit of time on this, consider getting a bare-bones progressive quote and then shopping it around to 1-2 agents and see if they can beat the price.

[Mikila]

Have you checked Geico?

[FinallyAwake]

Try Electric Insurance.  They were lower than Geico and have always been excellent to talk to on the phone when needed.

[letired]

People need to stop moving to Dallas Texas from California! :)

Fixed that for you! /jokesnotjokes

Geico and Progressive switch being cheapest for me. I check every year or so. I've never gotten a quote anywhere close to them EXCEPT when bundled with home insurance, and even then it wasn't so much cheaper as Very Close. My car is eleventy million years old with hardly any miles and I don't love it and there are plenty of nice used cars to buy around here and I'm at the point where buying a used car at the drop of a hat is entirely reasonable even if it would sting a bit so I carry liability and no collision.

[Altons Bobs]

The ones that I hear around here are Geico, Progressive, Safeco, Liberty Mutual. Yes, people should stop moving to Dallas.  :-D