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Dimmit County

Driving in Dimmit County

Dimmit County is home to 7,715 registered personal and commercial vehicles. All the automobiles in this county account for 0.03% of all the vehicles in Texas.

Roughly 8 out of 10 vehicles used daily to commute to and from work contain just the driver, and 18% of those trips need half an hour or more to complete.

Approximately 20% of drivers in Texas are uninsured, and over 1,500 vehicles in Dimmit County alone could be uninsured or underinsured.

Auto Insurance Analysis:

  1. Dimmit County has nearly 8 thousand registered automobiles, and they could all use auto insurance coverage. Ride-Sharing Coverage, Gap Coverage, Comprehensive Auto, and Commercial Transportation are only a few of the options that car owners can choose from depending on what vehicles they own and how they utilize them.

  2. Approximately 20% of Texas drivers are uninsured. Hence, Uninsured Driver Coverage is becoming more important. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.

  3. Auto Liability Coverage is required by Texas law. Drivers caught operating a vehicle without one will be fined. Repeat offenders may have their licenses revoked, and their vehicles may also be impounded.

To get auto insurance advice in Dimmit County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas. Agents may have access to multiple insurers, and they can help you evaluate your needs.

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Car Insurance in Texas

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Dimmit County Housing

There are approximately 4,503 homes in Dimmit County, and most of them are inhabited by the owners themselves. Around 66% of the housing properties are owner-occupied in Dimmit County, and this figure is higher than the state average of 62%.

Looking at the bordering counties, Zavala County has the highest owner-occupied rate at 72%, and Frio County comes in second with 69%. Webb County has the lowest figure at 62%, followed by Maverick County and Dimmit counties both at 66%.

Nearly 1 out of 5 homes in Dimmit County experience various housing problems like overcrowding, poor plumbing, or kitchen-related issues. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Nearly 5 thousand homes in Dimmit County need insurance coverage. All owners of these properties should have at least Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes) to protect the properties from damage or even total loss.

  2. With almost 2 thousand housing units in Dimmit County listed for rent, landlords purchase Landlord Insurance, which covers the property and any possible liability claims coming from the tenants.

  3. Tenants obtain Renters Insurance to protect their belongings from damage or loss. The average cost of this coverage is usually quite affordable, and it covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Dimmit County include Renters Insurance as a requirement of the lease.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for advice and consultation about Homeowners, Renters, Flood, Condo, and other kinds of home insurance in Dimmit County.

A Texas P&C Insurance Agent:

  • analyzes what you need and what your restrictions are,
  • researches the right plans that will address your needs,
  • provides you with the available options of coverage,
  • highlights the differences in the options’ effects once you start using each insurance product
  • helps with the application process
  • does not affect your cost of insurance (The agent’s service is usually paid by the insurer)
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Residential Insurance in Texas

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Dimmit County Health

Around 21% of Dimmit County’s population (under 65 years old) do not have proper health insurance coverage — this percentage is at par with the majority of Texas. In the region, Webb County has the worst adult uninsured rate at 30%, while La Salle County has the lowest percentage at 18%.

In Texas, Gaines County has the highest figure for this demographic at 36%. On the other end of the spectrum is Loving County, with only 11% of its residents not having proper health insurance.

Around 36% of the residents in Dimmit County report problems with their health, which means that over 2,500 of its residents are in poor health.

On top of that, 1/4 of the population in Dimmit County does not exercise regularly, which could be the main reason why a little over 1/4 (≈26%) of its residents are considered obese (with a BMI of 30 or more). The numbers pretty much speak for themselves.

Looking at the neighboring counties, Webb County has the highest obesity rate at 37%, which is not good given that they have the least number of adults with proper health coverage in the region. La Salle County has the lowest obesity rate at 24%, followed by Webb County.

At least 1 health insurer in Dimmit County that offers affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Almost 2 thousand Dimmit County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.

  2. The sale of multiple types of health insurance and supplemental products is permitted in Texas, which makes the shopping process for the best coverage that fits your specific needs (both medically and financially) much easier. Texans can get coverage through Group or Individual Marketplace ACA Health Insurance, Various types of Short-Term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. Individuals who cannot afford health insurance can reach out to a health insurance agent who can help them apply for government subsidies. These can help lower or even eliminate the out-of-pocket costs regarding health insurance.

  4. Short-Term Insurance is another way to save money if you do not have any pre-existing conditions. (If you have had your policy for a year or more, pre-existing conditions may be covered by some Texas multi-year short-term health insurance.)

Discuss your health insurance needs with a state-licensed Texas health insurance professional to go over your best health insurance options in Dimmit County.

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Health Insurance in Texas

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Dimmit County Mortality and the End of Life Statistics

The average life expectancy in Texas is 79.2 years old, and Dimmit County’s average is not too far from this figure. In fact, Dimmit County’s life expectancy average is just a little bit longer at 79.5 years.

Among the neighboring counties, Dimmit County only has the second-longest average. The longest life expectancy in the region is observed in Webb County, with an average of 80.5 years. At the bottom of this list is Zavala County at 76 years.

Statewide, Presidio County has the highest average at 89 years, and Donley County has the lowest life expectancy rate at 73 years old.

In 2022, there were approximately 1,600 seniors (65 and older) living in Dimmit County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not own any kind of life insurance coverage.

  2. It is a misconception that the best time to take out a life insurance policy is during our senior years. Given that age and life insurance premiums are directly proportional, young adults can be offered affordable premiums, and they could save money in the long run.

  3. Approximately 19% of the adults in Dimmit County smoke, and this habit will significantly increase the cost of their policy. A smoker’s life insurance premiums can be up to 4 times more expensive than a non-smoker's, as their life expectancy is deemed shorter.

  4. Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds to pay for premiums, emergency expenses, or a tax-free retirement income stream.

Motor Vehicle Fatalities in Dimmit County

Motor vehicle fatalities in Dimmit County occur at a rate of 22.79 per 100,000 vehicles on the road, averaging 1 to 2 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 130 crashes in Dimmit County, which led to 6 fatalities. Around 4% of the fatal car crashes in Dimmit County involved alcohol, which is considerably lower than most of the counties in Texas.

Final Expenses – Dimmit County Funeral Home Cost

A traditional funeral in Texas can cost between $5,000 and $12,000, while the average across the state is around $6,200, which includes basic service fees, casket, embalming, transportation, viewing, and burial.

Looking at Dimmit County’s neighbors, Frio County has a quite expensive funeral cost average of $7,000. Meanwhile, residents of Webb County will only have to pay somewhere around $5,200 for a traditional funeral.

In the entire state of Texas, Polk County has the highest average funeral cost at $10,900, while Kenedy and Willacy Counties have the most affordable average, both at around $3,200.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, the deceased may be leaving their friends and family in a tough financial situation. Instead of mourning the loss of their loved one, they will have to focus their energies on coming up with the money to pay for the funeral.

  2. The deceased could also possibly leave unsettled accounts and unpaid taxes for their family to deal with. Understandably, this adds to the family’s financial woes, given that they are already spending a large sum on the funeral.

  3. Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.

  4. There are different kinds of insurance policies that can help the bereaved family through financial assistance. Such life insurance policies can be Term Life Insurance and variations of Permanent Life Insurance: Whole, Indexed Universal Life, and others.

To get advice regarding life insurance in Dimmit County and help lighten the load for your family - reach out to a Texas-licensed experienced life insurance agent with access to multiple insurers. Such an agent can help you evaluate your needs and then offer you multiple solutions to fill them.

The use of a Texas insurance agent typically does NOT incur additional costs to the insured.

Texas Insurance, Life Insurance, Term Life vs. Cash Value Insurance

Life Insurance in Texas

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