Proven Strategies for Low-Cost Fort Worth, TX Auto Insurance

Nobody looks forward to paying for auto insurance, particularly when the cost is way too high.

Since consumers have many online and local companies to choose from, it is very difficult to pick the best insurance company.

Compare the Market for Auto Insurance in Fort Worth

Most companies like 21st Century, Allstate and State Farm quote pricing directly from their websites. Getting online rates is fairly simple as you just type in your required coverages as requested by the quote form. After you submit the form their system automatically retrieves reports for credit and driving violations and generates pricing information based on these and other factors. Quoting online makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively enter the same data into a form can be a bit repetitive. But it is imperative to have as many quotes as possible if you are searching for a lower rate.

There is an easier way!

The easiest way to lower your rates requires only one form to return rates from many companies. It saves time, helps eliminate reptitive entry, and makes online shopping a lot less work. Immediately after submitting the form, it is quoted and you are able to buy any of the price quotes you receive. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It takes 15 minutes at the most and can result in significant savings.

To compare rates now, click here to open in a new tab and submit the form. If you have coverage now, it’s recommended you input identical to your current policy. This ensures you will get rate comparison quotes based on identical coverages.

How much can you save with discounts?

Companies that sell car insurance do not advertise all their discounts very clearly, so we researched both well-publicized and the harder-to-find ways to save on auto insurance.

• More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
• Multi-policy Discount – If you have multiple policies with one company you may save up to 20% off your total premium.
• Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance.
• Early Switch Discount – Select companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
• Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
• Federal Employees – Employees or retirees of the government can save as much as 8% with a few auto insurance companies.
• Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less than their less cautious counterparts.
• New Vehicle Savings – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
• No Accidents – Claim-free drivers pay less when compared with accident-prone drivers.

Consumers should know that many deductions do not apply to the entire cost. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

Factors that affect insurance rates

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in big savings.

• How credit affects auto insurance rates – Credit score is a huge factor in your rate calculation. If your credit history is lower than you’d like, you could save money insuring your by repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with poor credit.
• Is your vehicle built for speed? – The performance of the vehicle you are buying insurance for makes a huge difference in your rates. The lowest base rates tend to be for lower performance four cylinder passenger cars, but the cost you end up paying is determined by many additional factors.
• Lower rates with optional equipment – Owning a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
• Choose a safe vehicle and save – Vehicles with high crash test scores can get you lower premiums. These vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company and lower rates for you.

More detailed Texas auto insurance information can be read at the Texas Department of Insurance website. Texas drivers can file complaints about an insurance agent or broker, learn about specific coverages, and report car insurance fraud.

One last thing

As you restructure your insurance plan, never reduce needed coverages to save money. There have been many cases where an insured cut physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at an affordable rate.

We’ve covered a lot of ways to get a better price on auto insurance. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from a small local company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, GEICO and Progressive.

Affordable auto insurance is available on the web in addition to many Fort Worth insurance agents, so compare prices from both to have the best rate selection. Some companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.