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Cheap Car Insurance in Plano, Texas

Looking to learn more about Plano and how to acquire cheap car insurance? Well, about 20 miles northeast of Dallas, Plano is an affluent city of about 270,000 and home to the headquarters of many well known companies such as Cinemark Theatres, J.C. Penney and Frito-Lay. Considered part of the Dallas-Fort Worth metroplex, Plano is the first city in Collin County to adopt a master plan for its road system. If your going to drive in Plano, you need a car which in turn means you need to have car insurance. In this resource you can learn about car insurance, living and driving in Plano, TX.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Plano. Get your free customized auto insurance quote today!

Driving conditions in Plano

Plano is the largest city in Texas without an interstate. Traffic between cities in the greater DFW area is unavoidably congested during rush hours. According to the U.S. Census Bureau’s 2014 American Community Survey, the Dallas metro has an average commute time of 25.9 minutes, slightly shorter than the average commute time for the 50 largest U.S. metros is 27.2 minutes, according to the survey.

For updated road construction information, visit plano.gov.

Unique laws in Plano

Adults 18 and up can legally ride in the back of a truck, according to Texas state laws, and there are also exceptions to the laws that allow children to ride in truck beds, one being if the truck is the family’s only vehicle. After an auto accident, there is a two-year statute of limitations on filing a lawsuit for personal injury or property damage.

Plano crime statistics

Rates of vehicle theft in Plano have steadily fallen in the past decade, with 96.1 incidents per 100,000 people in 2015, according to City-Data.com. Both Plano’s violent crimes rate, 94.7 incidents per 100,000, and property crimes rate, 138.6, are significantly below the national average of 207.7 and 220.1, respectively.

The most stolen cars in Texas are actually trucks, according to data compiled by usinsuranceagents.com. The most stolen autos in the Lone Star State in the most recent year compiled are full-sized Ford Pickups, followed by full-sized Chevrolet and Dodge pickups, and then by Honda Accord and Honda Civic.

Plano safety requirements

Seat belts are mandatory for all drivers and front-seat passengers and for minors whether in the front or rear seats, Texas law states. Fines and court costs of up to $200 can result for not buckling up. After age 4 or 40 pounds, children may graduate from required safety seats to a booster system. There are no current state laws addressing texting or cellphone use.

Plano impaired driving laws

In Texas, a person is legally intoxicated and may be arrested and charged with Driving While Intoxicated with a .08 BAC (blood or breath alcohol concentration). However, a driver can also be deemed intoxicated if impaired due to alcohol or other drugs regardless of BAC. Both drivers and passengers also can be fined $500 for having an open alcohol container in a car. First offenders face a fine of up to $2,000, three to 180 days in jail, loss of driver’s license for up to 2 years and an annual fee of up to $2,000 for three years to retain a driver’s license. Charges are enhanced if there is a passenger younger than 15 in the car.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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