Dallas Car Insurance

Dallas is the banking and commercial center of the Southwest and the eighth most populated city in the country. With 1.2 million people living in Dallas, it's no wonder that the average commute time for workers is 27 minutes, which is one minute more than the national average.

Dallas was ranked 3rd in the country for traffic congestion. More than 147,400 hours were lost by the city a year, which means that drivers spent an average of 36 hours a year just sitting in traffic. This cost the city more than $2,603,000, which breaks down to a little more than $600 per driver.

But it's not just time that is lost due to the high number of cars on the road. Over a two year period, more than 450 car accidents resulted in at least one fatality. Health concerns are more and more prevalent across the country and Dallas is no exception, with the rates of asthma, heart disease, and lung cancer rising every year.

Dallas was ranked 44th in the country for car thefts. More than 31,375 cars were reported stolen in 2005.

With the possibilities of loss of time, money, cars, property, health, and life, it's no wonder that auto insurance policies cost a small fortune. All of these things can cause insurance claims and providers need to make enough money from premiums to cover the cost.

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Car Insurance Policies in Dallas, TX

In Texas, the focus of car insurance regulations is that every driver be able to cover the cost of damages for accidents that they cause. This is done by purchasing liability insurance. A minimum of $20,000 per person up to $40,000 for everyone hurt in an accident plus at least $15,000 for damage to property. This is called 20/40/15 coverage. Remember, these are the bare minimum requirements. Purchasing more may save you in the event that the cost of damages is higher than what your insurance covers.

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Texas Department of Public Safety (for licensing)
1500 Marilla 1B South City of Dallas Building
Dallas, TX 75201-6300
Tel.: (214) 651-1859

Vehicle Title and Registration Division's Dallas Regional Office
1925 E. Beltline Rd, Ste. 100
Carrolton, TX 75006
Tel.: (972) 417-0884

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