Believe it or not, plenty of car insurance companies in Dallas, TX offer low rates to their clients. You don’t have to keep paying inordinate amounts just to meet the legal requirements. Allow us at Cheapautoinsuranceintexas.org to help you find plans that are more economical than your current one. Our quote finder tool can point you to the cheapest rates in your area.
Average Dallas Auto Insurance Quotes — Save Up to $659 Per Year
The city-wide average in Dallas is $1,541 for the full twelve months. That’s a lot of money however you look at it but at least it’s 3% less than the mean across Dallas County and 13% than the state average. If you are paying more than this, then try to identify the reasons so you can act accordingly.
Insurance Factors — Trimming Down the Premiums in Dallas, TX
All the auto insurance companies in Dallas TX operate on the same general principle: charge the high risk clients more. Assess your personal circumstances and you will probably find something that is causing the provider to view you as “high risk”. It may be your less than stellar driving record, previous involvement in accidents, failure to pay premiums on time, or perhaps any of the following:
- Location — If you drive around a congested city, then you are going to be more susceptible to collisions simply due to the number of vehicles on the road. This is why highly urbanized areas tend to pay more for their premiums. Dallas is a city of 1,201,715 inhabitants but the people enjoy wide open spaces and the density is at a reasonable figure of 3,508 individuals for every square mile, partly explaining the moderate insurance rates.
- Driving To Work — Less driving means less exposure to risks. Providers will ask each client about the distance between the home and the office, as well as the time it takes to go from one to the other. The quicker this is, the lower the charge. Dallas workers drive an average of 27 minutes every morning. A comparison of fatal accidents in the city and the state reveals that Dallas is a bit safer than Texas with 7.6 per 100,000 versus 8.5 per 100,000.
- Auto Thefts — Proactive measures against theft does not go unappreciated by providers. They are keen on rewarding clients who install alarms, locks, and other deterrents through discounts. They have a very good reason for offering this perk: in 2011 alone, Dallas residents experienced a total of 7,984 vehicle thefts.
- Education — Have you been a good student while you were in school? Well, that’s about to pay off in an unexpected way. Most providers give rate cuts to bachelor’s degree holders. This means 18.1% of Dallas residents could get a good chunk off of their payments. For Texas, it would be 15.6% of the population.
Feel free to tinker with our easy to use quote finder. It might just help you locate an awesome deal from one of the many car insurance companies in Dallas, TX so you can switch right away and save lots of money.Texas State Facts
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