Cheap auto insurance may not be a common term in Dallas, TX, but it may be easier to find and simpler to get in on than you may think. Visit Texasautoinsurancequote.org to find out more!
Average Cheap Auto Insurance Dallas Quotes could mean Saving Money Monthly
While Texans tend to suffer with higher premiums compared to other states in the country, holding a general average premium rate of $1,678 annually, not all the major cities are taking the financial hit. Collin County’s average rate is a much lower $1,592 per year. Dallas residents still seem to have it better, with an even lower and more affordable average bill of about $1,541.
Cheap Dallas Car Insurance in Texas Contributing Factors
All insurance providers will request an array of information regarding a driver’s past, present, and/or future to take into consideration before making a decision on the particular premium rate. A few of the most obvious factors are age, gender, and any accident history. Since a teenage boy fresh behind the wheel is more likely to cause an accident than a middle aged woman with a clean driving record, a higher rate may be charged to the boy. The most commonly viewed details that instantly affect annual premiums include:
- Location - Increased traffic flow has proven time and again that more cars on the road translates to more potential for accidents. A small town with a couple hundred residents will report fewer collisions compared to a large city congested with over a thousand drivers. Zip codes that report a higher population will generally see higher prices than those living in less crowded areas. In 2011, Dallas had a reported 1,201,715 residents. That figures out to 3,508 people per square mile.
- Driving to Work - On somewhat of a similar note, drivers who intend to travel during peak traffic hours, or ordinary business hours, may see a penalty for that misfortune. Dallas drivers average 30-35 minute trips to reach their work destinations, allowing for a lot of time to make mistakes behind the wheel. 7.6% of auto accidents result in death just in the city; a percentage just slightly lower than the average the state holds.
- Auto Theft - The company providing your car with the financial security it needs to get on the road does feel a little better knowing there is some security on their investment. Theft is common everywhere and not always avoidable, but the likelihood of being a target depends on things like location, car models, and lack or use of an anti-theft device. In 2011, Dallas had a grand total of 7,984 vehicle thefts.
- Education - A potential driver’s educational attainment also affects coverage rates. Usually, those who possess higher levels of education tend to see lower rates. Dallas’s residents holding only a high school diploma or equivalent is actually below even the state average, at 19.7%. However, 18.1% of residents hold a Bachelor’s degree. This percentage is higher than the state average, which is a low 15.6%.
To start saving money on your annual premiums and get the cheap auto insurance Dallas residents need, enter a few quick details into our quote widget at Texasautoinsurancequote.org.