Almost all Dallas car insurance companies are willing to give you quotes or rough estimates of what your Texas car insurance policy will look like if you are buying from them. They do this in the hope that you will see their rates as one of the cheapest auto insurance Dallas TX has to offer, especially when compared to your current rates, and that you will consider switching to using their services instead. While the difference in rate quotes might not be so large in most cases, you will most likely find some quotes that are hundreds of dollars cheaper than the rest. If you are going to be getting the same amount of coverage at a much cheaper rate, then you should consider switching insurance providers.
Insurance quotes are all some folks need to save up on their insurance coverage in Dallas. However, if your quotes don’t necessarily show any indications of saving your money, all hope isn’t lost. You can still do various things to ensure that your new premium ends up lower than your current one. The best car insurance companies Dallas TX, are known for offering their policyholders certain discounts, particularly for those who are viewed as low-risk drivers. Drivers with security devices installed in their cars qualify for discounts in the same way that homeowners get discounts for adding safety features to their houses. Having a clean driving record or at least one with no recent accidents is also bound to get you a discount on your rates. You are very likely going to get multiple discount offers from Dallas car insurance companies. One of the most common discounts is the multiple-policy discount. This is offered to drivers who are insuring more than one of their properties with the same provider. There are several discount offers, each varying depending on the company, policy, or even the year you are taking out a policy. You should talk to your insurance provider to confirm what discount offers you are qualified for. This is one of the easiest ways to get the cheap car insurance Dallas TX providers to have to offer.
Asides from switching providers and earning discounts on your policies, you can also lower your premium by making changes to the terms of your policy. This change could be an increase in your deductible, which is what you will be paying out of your own pocket before your provider has to step in to cover you. You could also lower the limits on your policy, reducing what your provider has to cover in case of an accident. Some drivers also choose to do away with some risks on their policies to lower their insurance rates. While changing the terms on your policy may fetch you lower rate quotes, you should only do this if you are able to afford the risks. For instance, the auto insurance quotes Dallas TX providers give you are bound to reduce if you remove the volcano coverage on your policy. You most likely won’t miss this coverage option and will end up saving some money too. However, if you are driving in a densely populated area like Dallas, raising your deductible may not be such a good idea, especially if the raised deductible will put a hole in your finances if you ever end up having to pay it.
The Best Cheapest Car Insurance In Dallas TX
Awarding the title of the best or the cheapest car insurance in Dallas TX is not something that is easily done. Dallas car insurance companies consider too many factors when setting your rates and as such, your quotes may be lower at one company than it is at the other. Having said that, the cheapest auto insurance Dallas Texas offers its drivers comes from State Farm if you are only looking to get cheap car insurance. The company, which has been around in Dallas for several decades now, offers some of the best rates to drivers with poor credit scores, which would normally raise your premiums with other companies. So if you have a poor credit score and are looking to save money on your car insurance policy, then you can check out State Farm.
Here is a list of companies with the cheapest auto insurance quotes Dallas TX has to offer.
| Company | Annual Payment |
| Esurance | $879 |
| AAA | $975 |
| State Farm | $1,068 |
| USAA | $1,175 |
| Geico | $1,255 |
| Farmers | $1,297 |
| Amica Mutual | $1,348 |
| Allstate | $1,422 |
| Nationwide | $1,567 |
| The General | $1,612 |
| MetLife | $1,785 |
| Progressive | $1,823 |
| Travelers | $2,203 |
| Mercury | $2,325 |
Asides from your location, Dallas car insurance companies also look at other factors, including your driving records, the amount of coverage you want, your age, the brand and age of your car, and so on, when setting your auto insurance rates. As a result of these personal considerations, there is a high chance that your insurance rates will differ from the ones provided on this list.
Average Cost Of Car Insurance In Dallas
Car insurance in the United States costs about $1,459. For the state of Texas alone, the average car insurance cost comes to about $1,346. The average car insurance cost in Dallas TX is about $1,492. This means that car insurance in Dallas is 11% more expensive than the state average, while it’s about 2.7% more than the country’s average costs. Keep this in mind while you are out hunting for the best auto insurance in Dallas TX, for your needs.
Best Auto Insurance In Dallas TX For Multiple Cars
If you own multiple cars and are trying to get them all insured, it becomes necessary, even mandatory, that you shop around for car insurance quotes to get the best coverage while still saving money. And that’s what we did. We took a look around at several Dallas car insurance companies to find out which offers drivers the cheapest auto insurance Dallas Texas has to offer for insuring multiple cars.
Our answer was Nationwide.
If there is a new driver being added to your family auto insurance policy or you are simply purchasing another car, then Nationwide is the first car insurance provider you should look at. The company has proven itself over its years of existence to be one that helps its policyholders save up as much money as they possibly can on their car insurance quotes.
While Nationwide should be the first company you look at, it should not be the only one you look at. Shop around, make sure to confirm that there are no cheaper rates for the same amount of coverage before settling on one insurance provider.
The Cheapest Dallas TX Auto Insurance Rates By Driving Record
You should note that drivers with no traffic violations or car crashes on their driving records pay much less than other drivers who do. To determine the cheapest auto insurance Dallas TX drivers with clean driving records can get for their car insurance needs. We sampled several insurance companies around the city. We found that USAA offers the cheapest rates to drivers with clean driving histories. USAA also comes out as the most forgiving car insurance provider when it comes to blemishes on your driving record. However, you should know that USAA’s services are offered to military personnel and their families alone. If you do not meet this requirement, then you might want to take a look at other Dallas car insurance companies.
Here’s a list of companies you can check out if you have a clean driving record.
| Company | Annual Payment |
| USAA | $2,159 |
| Geico | $2,308 |
| Nationwide | $2,422 |
| State Farm | $2,497 |
| Esurance | $2,513 |
| Amica Mutual | $2,576 |
| Progressive | $2,872 |
| American Family | $3,112 |
| Allstate | $3,155 |
| AAA | $3,275 |
| Farmers | $3,316 |
Note that if you are ever in a car accident or get convicted with a DUI, these are also some of the cheapest auto insurance Dallas Texas will offer you. However, you should keep in mind that your rates may vary from the ones shown on this list, depending on your unique situation.
Minimum Car Insurance Requirements In Dallas TX
The state of Texas operates a 30/60/25 law when it comes to car insurance. Drivers are mandated by state laws to have this minimum insurance coverage while driving within the state. The minimum required car insurance will cover both bodily injury liability and property damage liability insurance coverage.
The breakdown of the minimum insurance coverage required by the state is as follows;
- $30,000 of Bodily Injury Liability per Person
- $60,000 of Bodily Injury Liability per Accident
- $25,000 of Property Damage Liability
Drivers often opt to purchase this minimum insurance coverage in order to get lower rates on their policies. This is not often recommended as it offers you no coverage at all. Instead, it covers the other driver or property belonging to others damaged in an accident. To get coverage for yourself, then you might want to get full coverage options, including comprehensive and collision coverage on your policy. Adding a Personal Injury Protection (PIP) to your car insurance will also bolster the efforts of your health insurance or cover you in case you don’t have one.
Factors That Affect Car Insurance In Dallas TX
Like any other state, there are several factors that go into setting your car insurance quotes. Some states have banned the use of some factors when determining your insurance rate quotes. Gender and credit history are examples of some banned factors. However, Texas is not one of these states. Dallas car insurance companies are free to use as many factors as they want when setting your insurance quotes.
Here are some of the most impactful factors that go into determining what your car insurance rates will look like.
- Age and Driving History – It is necessary that these two factors go hand in hand. As we already mentioned, your driving record impacts your car insurance rates greatly. Drivers with traffic violations and auto accidents on their record are bound to have higher quote rates than most. Traffic violations are common among teenage drivers and young adult drivers; as such younger drivers are viewed as inexperienced drivers and thus regarded as bigger risk elements by car insurance providers. This often results in them getting higher insurance quotes than their older counterparts.
- Gender –This factor is banned from being used while setting your quotes in some states. Texas, however, has no such restrictions. Male drivers are bound to pay more for their car insurance than their female counterparts in the same situation as them.
- Credit History – Insurance providers in some other states like California do not take this factor into consideration while setting your rates. However, this is not the case in Texas. Your credit score is bound to impact your insurance rates. Having a low credit score will fetch you higher insurance rates than others with higher credit scores.
- Driving Record – Having lead foot, traffic rule violations, or Driving under Influence (DUI) convictions on your record is bound to raise the rates Dallas car insurance companies will provide you with. There is also a chance that providers will refuse to provide you with car insurance, depending on the severity of your violations.
- Location – Your city of residence is not the only thing that matters when it comes to this factor. The zip code of your area matters too. If your zip code has high claim rates or higher crime stats than others, then there is a high chance that your car insurance rates will be on the high side.
Car Insurance Near Me Dallas TX
Finding the best car insurance in Dallas TX is no easy feat. You need to shop around and compare as many quotes as possible to get the best and most affordable coverage you can possibly get. In order to help out, we conducted a survey of our own. Our survey revealed that car insurance rates in Dallas are prone to fluctuating by about $200 each year. This is all dependent on the parts of the city you live in or frequent.
Here is data that we gathered from surveying six neighborhoods in Dallas.
| Cities | Annual Rate |
| Lakewood | $1,562 |
| North Dallas | $1,598 |
| Deep Ellum | $1,645 |
| Cadillac Heights | $1,693 |
| Oak Lawn | $1,724 |
| Uptown | $1,769 |
These rates are the average car insurance rates around these six neighborhoods in Dallas. Cadillac Heights has the most expensive rates on this list, but its relatively affordable rates show that you can still get pretty good deals on your car insurance quotes even if you live in a high-risk area or densely populated region of the city. You can expect to vary around these figures based on your unique circumstances and policy terms. Add on a few discount offers, and you can look for relatively affordable insurance rates as long as you have a clean record and good credit score.
Cheap Car Insurance Quotes In Dallas TX For Minimum Coverage
In some situations, drivers opt for just having the minimum coverage on their insurance policies. We did some research to find out which Dallas car insurance companies offered the best rates for such drivers. Our survey revealed that while opting for minimum coverage could reduce your insurance rates by a substantial amount, other factors, particularly the age of the driver, can still raise your rates. Younger drivers paid more on average for car insurance than their older counterparts. This trend goes on for a while until we hit the 65 year age mark, where the rates went back up. The explanation is that insurance providers see much older drivers as higher-risk drivers because their senses and motor skills become duller as time passes.
Here are the average rates we came across.
Car insurance quotes for drivers in their 20s looking for minimum coverage
| Company | Annual Payment |
| Texas Farm Bureau | $845 |
| Houston General | $893 |
| Allstate | $1,075 |
| Nationwide | $1,142 |
| Geico | $1,197 |
| Esurance | $1,265 |
| State Farm | $1,314 |
| USAA | $1,398 |
Car insurance quotes for drivers in their 30s looking for minimum coverage
| Company | Annual Payment |
| Geico | $387 |
| Esurance | $462 |
| Texas Farm Bureau | $485 |
| Houston General | $534 |
| Progressive | $578 |
| Loya Insurance | $617 |
| AAA | $654 |
| Mercury | $689 |
Car insurance quotes for drivers in their 40s looking for minimum coverage
| Company | Annual Payment |
| USAA | $356 |
| Geico | $397 |
| Texas Farm Bureau | $428 |
| Esurance | $475 |
| Loya Insurance | $498 |
| Nationwide | $523 |
| Mercury | $551 |
| Houston General | $596 |
Car insurance quotes for drivers in their 50s to early 60s looking for minimum coverage
| Company | Annual Payment |
| Geico | $386 |
| Esurance | $452 |
| Houston General | $497 |
| Progressive | $536 |
| Loya Insurance | $569 |
| MetLife | $624 |
| Texas Farm Bureau | $657 |
| Allstate | $692 |
Car Insurance quotes for drivers older than 65 looking for minimum coverage
| Company | Annual Payment |
| Geico | $1,097 |
| Republic Group | $1,156 |
| Texas Farm Bureau | $1,279 |
| Progressive | $1,324 |
| Houston General | $1,367 |
| Nationwide | $1,455 |
| Allstate | $1,517 |
| Travelers | $1,593 |
So if you are looking to get the cheap car insurance Dallas TX has to offer, then you might want to give these companies a try. You should bear in mind that these figures may not necessarily be the rates you will be offered. Your car insurance rates may be higher or lower, depending on your personal circumstances.
It is also not a good idea to drive with minimum coverage alone. Doing so does not protect your best interests if you are ever in a car accident. Instead, it only ensures that you will be able to pay off the damages suffered by another driver to a certain amount. However, if you cannot afford more coverage or the vehicle is an older model whose repair costs will exceed its original value, then you may stick with just the state-required minimum. If you are hunting for the best auto insurance in Dallas for minimum coverage, make sure to check out a minimum of three providers to compare their rates.
Cheap Car Insurance In Dallas TX After A DUI
Having a DUI on your driving history can have a significant impact on your insurance premium. To better understand how its impact, we conducted a survey to see the average rates offered to drivers with a DUI in Dallas, Texas.
Here’s what we found out
Car insurance quotes for drivers in their 20s with a DUI
| Company | Annual Payment |
| Texas Farm Bureau | $2,095 |
| Progressive | $2,356 |
| Geico | $2,398 |
| USAA | $2,462 |
| Houston General | $2,518 |
| State Farm | $3,087 |
| Mercury | $3,169 |
| Nationwide | $3,215 |
Car insurance quotes for drivers in their 30s with a DUI
| Company | Annual Payment |
| Geico | $1,453 |
| Allstate | $1,526 |
| Esurance | $1,587 |
| National General | $1,622 |
| MetLife | $1,649 |
| Republic Group | $1,708 |
| Houston General | $1,754 |
| Nationwide | $1,798 |
Car insurance quotes for drivers in their 40s with a DUI
| Company | Annual Rate |
| Esurance | $1,365 |
| National General | $1,397 |
| Geico | $1,443 |
| Progressive | $1,486 |
| Allstate | $1,537 |
| Republic Group | $1,592 |
| Mercury | $1,624 |
| Houston General | $1,681 |
Car insurance quotes for drivers in their 50s to early 60s with a DUI
| Company | Annual Payment |
| Geico | $1,267 |
| Esurance | $1,325 |
| Allstate | $1,387 |
| National General | $1,416 |
| Progressive | $1,475 |
| Republic Group | $1,532 |
| MetLife | $2,189 |
| Houston General | $2,238 |
Car Insurance quotes for drivers older than 65 with a DUI
| Company | Annual Payment |
| State Farm | $1,409 |
| Allstate | $1,467 |
| Esurance | $1,532 |
| Geico | $1,594 |
| MetLife | $1,673 |
| Republic Group | $1,718 |
| USAA | $1,806 |
| Houston General | $2,087 |
DUI convictions are bound to raise your insurance premiums even more than having a low credit score. Insurance providers penalize drivers with DUIs differently. Some may only penalize you for three years, while others may inflict longer penalties. Keep this in mind while shopping and comparing rates. If you already have a policy with one company, then you should take a look at offers from other companies before deciding to renew your current policy.
These rates presented here are the average rates, drivers with DUI records can expect to get for their age group. However, keep in mind that the insurance company reserves the right to refuse your coverage, even the ones mentioned on our lists. So you should shop around very carefully when hunting for the cheapest auto insurance Dallas Texas has to offer drivers with DUIs.
Car Insurance In Dallas Rates by Credit Score
All insurance providers have their own methods for calculating what your insurance rates will look like. Several insurance providers will provide you with quick rates, which are rough estimates of what your actual Rate will look like. However, it is best to get your quotes from insurance providers based on your particular details to get an exact rate quote. Details you may be required to provide include your location, age, car make and model, the manufacture year of your car, how much coverage you want for the car or cars, and in some cases, your credit score.
Dallas car insurance companies pay careful attention to the credit scores of their applicant drivers. A great credit score will reward you with lower car insurance rate quotes. Insurance providers see drivers with high credit scores as people with adequate financial planning skills and knowledge. As such, these people are viewed as potentially careful drivers. However, if your credit score is on the low side, then your rate quotes are bound to be high. You might even find your application rejected by companies that offer the best auto insurance in Dallas TX.
Despite this, all hope is not lost. Raising your credit score gradually will result in a corresponding gradual drop in your insurance rates. You can raise your credit score by paying your bills regularly and on time. You can also try paying a little more than the minimum limit on your credit card to add a few more points to your credit score. Other ways to increase your credit score include paying off all your debt, or at least reducing it, and diversifying your credit mix.
While credit scores are not the only determinants of insurance premium rates, their influence cannot be overlooked. At the least, it’s one less thing to worry about while shopping for insurance.
We took a look at Dallas car insurance companies to see which offered the cheapest and best car insurance in Dallas TX, based on credit scores alone. State Farm came out on top when compared to other insurance providers. Below is a look at their average rates for varying credit scores.
| Credit Score | Cheapest Insurance Provider | Average Rate (for minimum coverage) |
| 300-579 (Poor) | Texas Farm Bureau | $2,485 |
| 300-579 (Poor) | Allstate | $2,318 |
| 300-579 (Poor) | Progressive | $2,279 |
| 580-669 (Fair) | Texas Farm Bureau | $1,752 |
| 580-669 (Fair) | Esurance | $1,893 |
| 580-669 (Fair) | Nationwide | $1.723 |
| 670-739 (Good) | State Farm | $1,557 |
| 670-739 (Good) | Geico | $1,478 |
| 670-739 (Good) | Allstate | $1,415 |
| 740 and Higher (Excellent) | State Farm | $1,314 |
| 740 and Higher (Excellent) | Geico | $1,302 |
| 740 and Higher (Excellent) | American Family | $1,298 |
You should keep in mind that these rates are just the average rates based on credit score ratings alone. Your actual rates may vary depending on other factors that will take into consideration.
Cheap Car Insurance In Dallas TX For Young Drivers
Young drivers (drivers in their 20s) find it difficult to buy insurance, even if it’s just the minimum coverage. They typically end up paying more than their older counterparts. Adding a young driver to your insurance policy is also most likely going to result in a rate hike. The goal, however, is to get the cheap car insurance Dallas TX providers to have to offer. So we took our time to run a survey to see which Dallas car insurance companies offer the cheapest auto insurance Dallas Texas.
Here’s what we found.
Cheapest full coverage for young good drivers
Young drivers who are looking for full coverage insurance for their cars can check out the following companies for the lowest average rates around
| Company | Annual Payment |
| Geico | $2,095 |
| Texas Farm Bureau | $2,167 |
| Allstate | $2,256 |
| Progressive | $2,304 |
| Nationwide | $2,375 |
| State Farm | $2,469 |
| MetLife | $2,573 |
| Houston General | $2,617 |
These rates assume that the young driver has a clean driving record and a good credit score.
Cheapest minimum coverage for young good drivers
Young drivers who are looking for the state-required minimum insurance coverage can check out the following companies for the lowest average rates around
| Company | Annual Payment |
| Texas Farm Bureau | $845 |
| Houston General | $892 |
| State Farm | $914 |
| MetLife | $953 |
| Geico | $987 |
| Progressive | $1,045 |
| Allstate | $1,092 |
| Esurance | $1,134 |
It is assumed that the young driver has a good credit score and a clean driving record while obtaining these rates. Also, unless the car is an older model or you do not have the funds, it is not recommended to drive with just minimum coverage. Instead, you should add collision and comprehensive coverage options to your insurance policy. This will help you protect your best interests.
Cheapest full coverage for young drivers with poor credit ratings
Young drivers with clean driving records but with poor credit scores in Dallas, Texas, can check out the following insurance companies for the cheapest insurance rates around
| Company | Annual Payment |
| Allstate | $1,495 |
| Progressive | $1,523 |
| Esurance | $1,587 |
| Texas Farm Bureau | $1,634 |
| Nationwide | $1,692 |
| Houston General | $1,725 |
| Dairyland | $1,793 |
| Geico | $1,826 |
A poor credit rating may raise your insurance rates, but it is not the only factor providers will consider while setting your rates. Apply for as many discounts as possible to help lower your rates while you raise your credit score.
Cheapest full coverage for young drivers with one at-fault accident
Young drivers in Dallas, with a one-at-fault car crash on their record but with good credit scores, can check out the following companies for cheap car insurance.
| Company | Annual Payment |
| Geico | $1,087 |
| Kemper | $1,154 |
| Allstate | $1,192 |
| Texas Farm Bureau | $1,248 |
| Esurance | $1,341 |
| Dairyland | $1,472 |
| Travelers | $1,517 |
| State Farm | $1,598 |
Cheapest full coverage for young drivers with a DUI
Young drivers with a DUI conviction should check out the following companies for cheap car insurance
| Company | Annual Payment |
| Esurance | $1,186 |
| Houston General | $1,254 |
| Kemper | $1,297 |
| Dairyland | $1,342 |
| Allstate | $1,417 |
| Geico | $1,486 |
| Nationwide | $1,534 |
| Mercury | $1,672 |
Having an accident or a Driving under Influence (DUI) conviction on your record will present you as a high-risk client to providers. You might get higher rates than most other drivers, but careful driving and no claims for a few years will see your rates fall back down. The penalty period varies from company to company. Make sure to check the penalty period for various car insurance providers before picking one.
All the rates presented here, asides from the ones for minimum coverage, assume that the drivers (male or female) have collision and comprehensive coverage on their policy. It is also assumed that these drivers have clean driving records or are first-time offenders. The rates offered to you by providers, including the ones we listed, may be higher or lower than our surveyed rates based on your personal circumstances. Always try to get at least three rate quotes before settling on a particular insurance provider.
Cheap Car Insurance Companies In Dallas TX For Seniors
Dallas subjects its senior drivers to increased regulations and safety laws, and for a good reason. About 10% of all fatal car accidents in 2017 were caused by drivers older than 65. This is enough cause for concern.
The Texas Department of Public Safety requires all drivers aged 79 to 84 to renew their licenses every six years. Drivers aged 85 and above are mandated to renew their licenses every two years.
Asides from the increased regulations and safety laws, seniors, are also likely to receive higher insurance quotes from their insurance providers than their relatively younger counterparts. However, it is worthy of note that companies have different age limits before they start raising their rates. Some companies raise their rates at 65, some wait till the driver’s clock 70, and others can wait for even longer. As time passes and your age, you should pay careful attention to your insurance rates. Make sure to take a look at the insurance market scene before signing on a new policy with your current provider. You never can tell; you might find the cheapest and best auto insurance in Dallas TX, with another insurance provider.
Companies that offer seniors the most affordable car insurance in Dallas TX are listed below.
| Company | Annual Payment |
| State Farm | $835 |
| Esurance | $892 |
| Geico | $965 |
| USAA | $1,069 |
| Mercury | $1,154 |
| MetLife | $1,187 |
| Progressive | $1,233 |
| Farmers | $1,267 |
| AAA | $1,369 |
| Travelers | $1,425 |
| Nationwide | $1,567 |
| Allstate | $1,643 |
| Amica Mutual | $1,672 |
| The General | $1,695 |
Offsetting these high rates is still a possibility with certain discounts. Senior drivers can take defensive driving courses as one way to offset their high insurance rates. However, how much discount you will be offered depends based on each insurance provider. Make a point of asking your agent for more information on discounts while setting the terms of your policy.
Car Insurance Dallas TX Common Questions And Answers
What are the major differences between full coverage and liability?
There is a big difference between the two coverage options. Drivers with liability coverage alone are basically gambling. They are driving with the hope that if they are ever at fault for an accident, they will only have to pay for the damages suffered by the other driver. This includes any bodily harm or car damage. A full-coverage option, on the other hand, protects not just the other driver but the at-fault driver as well. It ensures that the insurance provider will step in to cover any costs higher than the driver’s deductible up to the limits of their policy. Full coverage policies even step in when the costs aren’t incurred from a car collision thanks to comprehensive coverage.
What does full coverage insurance cover?
Liability coverage offers protection to the other driver and their vehicle in case of an accident if you are found to be at fault. Full coverage insurance, on the other hand, extends this coverage to you and your car. There are two main coverage options under full coverage insurance; collision coverage and comprehensive coverage.
Collision coverage does what its name implies; it covers you for damages to your car as a result of a collision. This could be a collision with another car, an object, or simply going off-road.
Comprehensive coverage covers you for damages to your car caused by anything outside of a collision. This includes your car getting stolen or damages caused by natural forces, such as a hailstorm or a fire.
The major difference between the two options is that if you hit a tree while driving, collision coverage will step in to cover your losses, while if a tree falls on your car and damages it, then comprehensive coverage will be the option to cover your losses.
What is Deductible in Car insurance?
Your deductible is the amount you pay out of your pocket to service your incurred costs before your insurance provider has to step in to cover the rest. A $500 deductible on your policy means if you are in an accident and suffer damages worth about $2500, then you will have to pay $500 from your own pocket before your insurer steps in to cover the remaining $2000.
What happens if my car is stolen in Dallas?
There will be a long waiting period if your car ever gets stolen. Dallas car insurance companies will give you a waiting period while the police try to recover your car.
The usual waiting period is about 21 days long. If your car is not recovered after this period, you will receive a settlement soon after from your insurance provider. In case your car gets recovered, then you will have to present an estimate of repair costs to your provider to receive any settlement or not.
If your policy has a replacement transportation option on it, then you will have to pay for a car rental out of your pocket. After this, you will able to file a claim for reimbursement with your car insurance company.
