It’s impossible to miss the captivating ads from car insurance companies like Liberty Mutual and Nationwide claiming dirt cheap rates. So you just need to pick the one with the catchiest commercial, right?
It’s not quite that easy, unfortunately, as there are a whole slew of unknowns like if you have maintained coverage continuously, the level of liability coverage you want, and whether you are a man or a woman. We are going to cover the best ways to shop for cheaper coverage and educate you enough to have a good start to your coverage search.
The vehicle model you are seeking coverage for is one of the largest factors that determines whether or not you can buy the most economical insurance for welfare recipients. Vehicles with lower performance, advanced safety features, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models.
The next table outlines coverage prices for some of the most budget-friendly vehicles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$1,311|
|Honda Accord LX-P 4-Dr Sedan||$1,468|
|Toyota RAV4 Limited 2WD||$1,516|
|Volkswagen Jetta S 4-Dr Sedan||$1,525|
|Dodge Grand Caravan SXT||$1,547|
|Hyundai Elantra SE Touring Station Wagon||$1,591|
|Toyota Camry SE||$1,596|
|Ford Escape XLT 4WD||$1,612|
|Hyundai Sonata GLS 4-Dr Sedan||$1,624|
|Ford F-150 XL Regular Cab 2WD||$1,633|
|Honda Odyssey Touring||$1,627|
|Ford Fusion SE 4-Dr Sedan||$1,636|
|GMC Sierra SLT Extended Cab 2WD||$1,627|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Table data does not factor in garaging location in Dallas, TX which can alter premiums greatly.
Based on these rates, you can infer that cars like the Honda CR-V, Honda Accord, Toyota RAV4, and Volkswagen Jetta are going to be some of the most budget-friendly vehicles to insure for drivers on welfare.
Deciding which companies have the cheapest insurance rates for welfare recipients may require a little more effort in order to find the lowest price quote. Every auto insurer has their own unique process for establishing rates, so we’ll take a look at the most affordable insurance companies in Dallas.
It’s important that readers know that Texas insurance rates are based on many factors that control the cost of coverage. Improving your credit score, moving across town, or getting a driving violation can cause premium changes that may make certain companies cheaper than others.
Find Cheaper Auto Insurance in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers has some of the cheapest car insurance rates in Dallas at around $1,041 annually. This is $863 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the lowest-priced Dallas, TX car insurance companies.
As shown in the rates above, if you currently have coverage with Germania Mutual and switched to Travelers, you could see an annual premium reduction of about $241. Drivers with Esurance may save as much as $324 a year, and California Casualty policyholders might see rate reductions of $341 a year.
Bear in mind that those policy rates are averaged for all drivers and vehicles and and are not figured with a vehicle location for welfare recipients. So the car insurance company that is best for you may not even be in the top 23 companies shown above. That is why you need to get auto insurance quotes using your own personal information and vehicle type.
One of the more important components that determine the amount you pay for auto insurance is your zip code. More densely populated places tend to have higher rates, whereas areas with less congestion have the benefit of cheaper auto insurance prices.
The table below lists the most expensive places in Texas for welfare recipients in which to purchase auto insurance. Dallas makes the list at #3 costing $1,893 for the average policyholder, which is about $158 per month.
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Annual rates are approximated as specific location information can decrease or increase coverage prices considerably.
Impact of speeding/accidents on Dallas insurance rates
The recommended way to snag affordable insurance prices in Dallas for drivers on welfare is to drive safely and avoid tickets and accidents. The diagram below illustrates how speeding tickets and accidents increase premium costs for different age groups. The data is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
The chart shows that the average cost of auto insurance per year with a clean driving record and no accidents is $1,628. Receive two speeding tickets and the average cost swells to $2,303, an increase of $675 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of insurance for welfare recipients goes up to an average of $5,149. That’s an increase of $3,522, or $293 per month, just for not paying attention while driving!
Get discounts on Dallas auto insurance rates
Car insurance companies that provide policies for welfare recipients could also offer policy discounts that could potentially reduce rates by as much as 30% if you meet specific eligibility requirements. A list of insurance companies and some of the discounts include:
- State Farm includes discounts for multiple autos, driver’s education, safe vehicle, good student, accident-free, and passive restraint.
- GEICO policyholders can earn discounts including driver training, five-year accident-free, emergency military deployment, seat belt use, membership and employees, anti-lock brakes, and good student.
- Allstate has savings for economy car, anti-lock brakes, farm vehicle, defensive driver, safe driver, new car, and early signing.
- SAFECO has discounts for bundle discounts, teen safe driver, homeowner, anti-lock brakes, multi-car, safe driver, and anti-theft.
- Farm Bureau offers premium reductions for multi-vehicle, multi-policy, youthful driver, driver training, safe driver, 55 and retired, and renewal discount.
- Progressive discounts include continuous coverage, multi-policy, multi-vehicle, online quote discount, and online signing.
- AAA offers discounts including good driver, multi-policy, multi-car, good student, and education and occupation.
The example below shows the comparison of car insurance costs with and without some available policy discounts. The premiums are based on a male driver, no violations or claims, Texas state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, marriage, multiple vehicle, multiple policy, defensive driving course, and claim-free discounts applied. When drivers take advantage of discounts, the amount saved on insurance for welfare recipients is 28% or $552.
Can you find cheaper Dallas car insurance?
Dallas insurance rates are based on many factors that may substantially change the price of your policy. Improving your credit score, having a claim, or getting a reckless driving citation may generate price changes resulting in some rates now being cheaper than others.
Additionally, insurance companies modify pricing as often as every three months in order to be able to pay unexpected claims. A period of higher than normal claims may result in higher priced premiums, while a better claims history may result in cheaper Dallas car insurance rates.
For example, the graph below compares the cheapest car insurance in Dallas, TX for a 35-year-old female driver with no prior accidents, a clean driving record, and a good credit rating. When quoting prices based on her personal risk profile, Travelers offers the most affordable car insurance rates in Dallas at $1,351 annually. This is $553 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the remainder of the cheapest Dallas, TX auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison some claims, slightly worse credit, and a traffic citation. Because each company has their own formula to determining premium rates, getting updated rate quotes could now result in a substantially altered list of the cheapest Dallas car insurance companies as shown below.
State Farm now has the cheapest insurance rate in Dallas with Mercury, Nationwide, USAA, and Safe Auto now rounding out the top five. This shows why it is important to compare lots of rates to get the best car insurance quotes for welfare recipients.
Auto insurance prices are influenced by many things and can increase or decrease at any time, so the most economical option two years ago may now be costing you a lot of money.
How to find budget-friendly car insurance for welfare recipients
Lowering your rates is not difficult, and here are some thrifty ideas that can help Texas drivers get cheaper coverage.
- Earn discounts for being claim-free
- Avoid at-fault accidents and claims
- Increase the comprehensive and collision deductibles on your policy
- If your vehicles are older, consider dropping full coverage
- Avoid getting tickets or violations
- Compare rate quotes frequently
The last item on the list is very valuable, as we pointed out in the prior article. Auto insurance rates fluctuate considerably, so don’t be hesitant to change insurance companies if a lower price can be found. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if your bullheadedness ends up costing you several hundred dollars every year. Take a couple minutes and shop around to find cheaper car insurance for welfare recipients in Dallas.
If you have questions and prefer to get some professional input when comparing insurance rates for drivers on welfare, the agents below can aid you in deciding which auto insurance coverages would be the best in your situation.
To find a Dallas insurance agency close to where you live, click the button at the bottom.
Steve Barnes – State Farm Insurance Agent
4403 N Central Expy, Ste 100 – Dallas, TX 75205 – (214) 515-9900
Brent Holtz – State Farm Insurance Agent
3427 E Trinity Mills Rd #601 – Dallas, TX 75287 – (972) 306-1234
Bankhead Insurance Agency LLC
10935 Estate Ln #380 – Dallas, TX 75238 – (214) 343-1333
Kelvin Nunley – State Farm Insurance Agent
1441 N Cockrell Hill Rd #100 – Dallas, TX 75211 – (214) 333-0404