Dallas, Texas, is the home of the Cowboys and when Dallas is combined with the Fort Worth area, the population can swell to over 6 million people. Dallas proper has over 1 million people and is the fourth largest metropolis in the United States.
Dallas enjoys a mild climate with one or two snowfalls a year, which results in drivers lacking the necessary skills to navigate icy roads. That lack of skill causes a multitude of accidents every time the area is subject to freezing rain.
Dallas is based right in the heart of the zone known as Tornado Alley making tornadoes the number one threat to the Dallas area. These twisters cause much damage to property, which include cars and even if the car is not hit by a tornado, tornadoes traditionally bring large hailstorms with them. The hail damage can be excessive. Car insurance companies do consider a hailstorm one incident so you are not penalized by paying a deductible for each hail dent, as if you would be for parking lot dings.
When you compare auto insurance quotes for the Dallas area, let the insurance company know if you garage your vehicle or not. A garaged vehicle in a hail prone area will pay less in car insurance for the comprehensive policy than one parked on the street.
On the east side of Dallas is a collection of the wealthiest people in Texas with the most expensive homes in the state. These homes and wealth can cause the auto insurance rates to rise in the area, since the vehicles will be more expensive and the chances of them being targeted for theft is greater. Even behind the gates of a gated community, the cost to insure those vehicles will still be higher than average. This cost is added into the area insurance rates.
South Dallas is fraught with crime and poverty, which also raises the rates of car insurance in the area. Lower income housing also causes the rates to be higher, as the less expensive vehicles may be subject to vandalism or theft.
The Dallas Cowboys, Dallas Mavericks and the Dallas Stars keep the city busy with traffic all year long. Dallas has hosted the Super Bowl, the NBA finals and the World Series. All of these events keep insurance rates higher due to overwhelming traffic, congestion and tourists.
Two of the largest malls in Texas are shopping destinations for many tourists as well.
Dallas proper is the home to Fortune 500 businesses and most workers are white-collar executives that commute to and from work.
Dallas has a young population, which can help to keep auto insurance rates down, offsetting some of the other factors that are responsible for raising the rates. The average age is 31 and since car insurance rates are based on age, those in their middle ages will see the best rates. If you are in your 30s to 50s, comparing auto insurance quotes will help you to get the best rates available. Dallas residents who commute to work will see an even greater savings.