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Home > Auto Insurance | Southwestern Insurance - Cedar Hill, TX

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Information

Southwestern Insurance is Cedar Hill’s trusted source for personalized insurance. When you come to us, we take the hassle out of working with a large, impersonal insurance company, while still helping you get customized, affordable benefits that will always come to your aid at the times you need them most. Our promise is that every client will walk out our doors knowing that they have received optimized protection that will keep them safe in all parts of their life.  


One of the most essential benefits that everyone needs is quality auto insurance. However, plans must be customized to the policyholder’s needs. With our network of quality carrier options available to you, we can ensure you get the most customized plan for your needs.  

To get your auto insurance policy today, call us at 972-291-2904  or request your free quote now!  

Common Auto Insurance Questions  



What is auto insurance?  

Auto insurance is a promise of financial assistance. By buying a policy, a driver agrees to pay the insurer, who in turn agrees to provide payment and other support to the driver in the event of unexpected, unavoidable vehicle accidents or other problems. With it, drivers will be reassured that they can recover from such challenges with minimal personal financial losses.  

How does auto insurance work?  

Any challenge or damage involving your vehicle could get very expensive, and it’s only natural to worry whether you will be able to afford such costs. Auto insurance will guarantee that you can. You can file a claim against this policy for accident costs and other losses for which you are responsible. The policy then pays a certain amount of money to aid you in your recovery costs.  

Quality auto insurance will minimize your personal financial losses for such problematic losses, and you’ll be able to recover from these issues without costing yourself an arm and a leg.  


Is Auto Insurance Required in Texas? 


Texas state law requires insurers to offer drivers personal injury protection (PIP) coverage, which can help provide wage replacement and pay for medical expenses for injuries sustained from a covered auto accident, regardless of who is at fault. However, Texas drivers may waive this coverage by informing their insurer in writing that they don’t want this protection. Texas also requires drivers to carry minimum levels of liability insurance.  


What does auto insurance cover?
 

The average auto insurance policy can offer numerous benefits, including:  

The average auto insurance policy can offer numerous benefits, including:

  • Liability insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.

  • Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.

  • Property damage liability coverage: This pays for damage to the other party’s property.

  • Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.

  • Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

  • Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.

  • Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.


Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:

  • Roadside assistance

  • Rental car reimbursement

  • Custom parts coverage

  • Replacement cost vehicle coverage

  • Vanishing deductibles

  • Gap insurance


It is possible for two drivers to have identical policies, but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice.  

How Far Back Do Auto Insurance Companies Look? 


Auto insurance companies use a variety of factors in the underwriting process to determine how much your premium will be. In addition to your age, sex, credit score, vehicle and location, your driving history will play a role in how much you will pay for coverage. Each insurance company varies in how far back into your driving history they will review to determine your auto insurance premium. Call Southwestern Insurance today to learn more about how your past driving history might affect how much you pay for coverage, and whether it may affect the policies you qualify for.  


How Many Auto Insurance Claims Are Too Many? 


Usually, there isn’t a limit on how many claims you can file with your insurer. However, your insurance company might choose to cancel or deny your auto insurance policy if you have excessive claims. Additionally, your insurer might decide to increase your policy premium because of your level of risk, which is associated with the number of claims you may file during a policy period or over the course of your driving history.  


Get the Protection You Need 


Southwestern Insurance of Dallas, Texas, offers an array of auto coverage to keep you protected. Our Texas offices in Dallas, Cedar Hill, Frisco, Lancaster, Smyrna, Georgia and Tennessee can help you with an auto insurance policy that meets your needs and those required by Texas. Call 866-994-3253 to start your coverage. 

Contact Us Today!
(866) 994-3253

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4144 N Central Expy, STE 600
Dallas, TX 75204

PH: 972-291-2904  | Toll Free: (866) 994-3253 | F: 972-291-4065
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