Back to Blog
Savings Tips 6 min readFeb 22, 2026

5 Proven Ways to Slash Your Rates in DFW

DFW insurance rates can be high. Our local experts share the top insider tips to get your bill back under control.

Stop Overpaying for DFW Coverage

The Dallas-Fort Worth Metroplex is one of the most expensive regions for car insurance in Texas. Between the high traffic volume on the President George Bush Turnpike and the frequent hail storms, insurers often set base rates higher here. However, there are specific steps you can take right now to lower that bill.

01

Improve Your Credit Score

In Texas, insurance companies are allowed to use your credit-based insurance score to determine your rates. Even a 50-point increase in your credit score can potentially save you 10-15% on your annual premium.

02

The 'Bundling' Advantage

In DFW, combining your auto and renters or homeowners insurance with A-LA is the single fastest way to see an immediate discount. Most of our clients save 10% across all policies by bundling.

03

Smart Deductible Adjustments

Increasing your deductible from $500 to $1,000 can reduce your monthly payment by as much as 20%. Just ensure you have the extra $500 set aside in case of a claim.

04

Electronic & Full Payment Discounts

Many DFW carriers offer discounts for setting up automatic bank drafts (EFT) or paying your 6-month premium in full upfront. This eliminates monthly processing fees and often triggers a 'Loyalty' discount.

05

Shop Locally (The Agent Advantage)

Large national websites use generic algorithms for the entire state. A local DFW agent at A-LA knows which specific Texas-only carriers are offering aggressive rates in your specific zip code.

DFW Spotlight

$450/Year

That's the average amount DFW drivers save when switching to a local independent agent like A-LA. Stop paying for big-brand advertising.

Start Saving Now

Don't wait for renewal. Our agents can help you switch today and potentially save you hundreds.

GET A LOWER QUOTE