Auto Insurance for Dallas, Car Insurance in Liberty Hill, McKinney, and surrounding areas

Coverage That Travels with You

Auto Insurance by Davidson Stewart Morelock

Getting your car fixed: that’s the first thing that comes to mind when you think of an auto accident. While having your vehicle repaired is important and necessary, it’s not always the most urgent concern…or the most expensive.
What happens when an auto accident results in a personal injury and you’re found liable? Who pays to repair that high dollar luxury vehicle you didn’t see in time to avoid hitting? If you’re found responsible for damaging someone’s personal property in an auto accident, who makes financial amends? In many cases, your automobile insurance pays for far more than body and paintwork.

A solid automobile insurance policy not only protects you and your car but it also keeps you from experiencing devastating financial loss should you be held liable for serious bodily injury and/or property damage. Getting the best value for your insurance dollar is the most effective way to make sure you’re adequately protected…and DSM offers more than enough options to provide comprehensive and affordable coverage for all your auto insurance needs.

More Options Means More Savings

Bodily injury liability, property damage liability, personal injury protection, uninsured motorist bodily injury, and uninsured motorist property damage: you’ll find these coverages available and included in virtually every Texas auto policy. From company to company, they afford the same coverage (with varying coverage limits). So…why would rates vary from one company to another? And why does DSM work with so many different insurance providers?

It’s a two-word answer: rating systems. Each insurance company has its own and each is very different from the others. Company A has historically enjoyed a lower loss ratio with younger drivers than Company B, so Company A offers lower rates. However, Company B has witnessed a lower claim history with retired drivers than Company A, so…it’s Company B for lower rates for the more seasoned drivers.

Different Companies, Different Rates

Your age, the car you drive, your driving history, the number of miles you drive to and from work all play a part in determining the rate you pay for auto insurance with each company. This is important to know. When you hear one person claiming they saved $500 by switching auto insurance companies, it doesn’t mean you will, too. It simply means they fell into a favorable category with a particular insurance company.
DSM represents a host of competitive insurance companies. We do the comparison shopping based on your driving habits, history, and other criteria so we can pair you with the company that provides the best rates for your unique set of risks.

Minimum Coverage…Maximum Risk

Most states set minimum limits for the auto insurance you’re required to have. Lower coverage limits mean lower rates, which sounds like a good idea. These policies do not adequately protect your family’s financial stability for many of the possible losses you could incur. If multiple cars are involved or if there is a serious personal injury, minimum coverage limits won’t provide what you need to protect yourself if you’re found liable.
Here’s the ‘secret’ you need to know: carrying adequate coverage (not minimum coverage) doesn’t significantly add to the cost of your coverage. In some cases, the cost can be the same when car insurance is bundled with other insurance policies. With so many companies in our network, DSM offers exceptional car insurance at extremely competitive rates.

DSM offers automobile insurance options which include:

  • Auto
  • Motorcycle
  • Boats
  • Personal watercraft
  • RV’s
  • ATV’s / Off-road vehicles
  • Trailers
  • Classic Cars

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