Cheap Dallas car insurance can be obtained through the same basic ways you can find any affordable Texas insurance policy: shop around, ask about all discounts, and choose the policy that best meets your coverage and financial needs. However, this search method isn’t so easy for Dallas drivers who have had a few tickets, don’t have a great credit history, or have gone with out Texas car insurance for a long period of time. Each of these factors can make it difficult to not only find cheap Dallas car insurance, but they can also make it difficult to find Texas car insurance – period.

If you’re a Texas driver having trouble finding cheap Dallas car insurance, there are a couple of suggestions that may work for you. First, take a year to gather yourself. You can repair your credit history – at least to the satisfaction of an auto insurance company – by paying off outstanding debts, always making current bill payments on time, and making sure your credit report is accurate. Any inaccuracies can affect your credit rating negatively; if you find incorrect credit information, move to have it corrected or at least the chance to explain the situation.

As you’re working on your credit report, work on your driving record. Find out how you can remove points on your record. Sometimes the court will allow you to attend a special class to have points removed. Other times you may simply need to pay a fine, or wait a certain time period.

In the meantime, you’re going to need Dallas car insurance – it’s a requirement in Texas. If you own your car outright, you may want to purchase the minimum liability car insurance required; minimum liability car insurance policies are generally cheaper than full-coverage auto insurance. In Texas, the minimum requirements are $15,000 to cover damages an accident causes other property; $20,000 to cover any bodily injury or death of one person per accident; and $40,000 to cover any bodily injury or death of two or more persons per accident.