Factors Influencing the Cost of Car Insurance in Carrollton, TX

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The average cost of auto insurance in Carrollton, TX, is $1,477. It is lower than the cost of insurance in neighboring places such as Farmers Branch and Hebron. But, it is higher than the cost of auto insurance in Irving, Lewisville, and Coppell. Several factors can affect the cost of auto insurance in Carrollton. A thorough comparison of different auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.

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Some of the factors that could increase the cost of auto insurance are as follows:

Credit Score:

A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance for a driver with an exceptional credit score is as low as $1,267. It increases to $2,008 and $2,409 when the credit score is average or poor.

Deductibles:

This is one of the most common factors influencing the cost of auto insurance in Carrollton, TX. A low deductible ($500) usually increases the cost of auto insurance, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance when the deductible is $500 is $1,117, and it decreases to $943 when the deductible is $1,000.

Age Group:

. The cost of auto insurance is the lowest for drivers in the age groups of fifty and sixty ($1,302 and $1,321).  In contrast, auto insurance for teenagers continues to be high, at $4,793. The cost of auto insurance can vary from one age group to another. It also depends on the neighborhood and the make and model of the vehicle.

DUI:

DUIs can prove to be extremely expensive for car owners in every city of the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Carrollton can be as high as $2,299. 

Driving Violations:

Driving Violations such as driving with an expired license or speeding can also have a severe impact on the cost of auto insurance in Carrollton, TX, mainly because it increases the amount of risk being covered by insurers. Speeding (+ $362) or driving with an expired license (+ $995) can prove to be quite expensive.

Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.