Find Cheap Fort Worth Auto Insurance

If online auto insurance comparisons are new to you, it's easy to get overwhelmed by the hoards of auto insurance companies selling insurance in Fort Worth.

It's important to compare prices periodically because prices are constantly changing. Even if you think you had the best rates six months ago you can probably find a lower rate today. Don't believe everything you read about auto insurance on the internet, so I'm going to show you some great ways to find affordable auto insurance.

Finding the best rates in Fort Worth is not that difficult. Just about everyone who carries auto insurance stands a good chance to be able to lower their premiums. Although Texas drivers do need to know how the larger insurance companies market insurance on the web.

Fort Worth auto insurance comparison

Fort Worth Auto Insurance Comparisons

Most companies like Progressive, GEICO, Allstate and State Farm provide coverage prices online. This process is quite simple as you just type in your personal and coverage information as detailed in the form. When the form is submitted, the company's rating system will obtain your driving and credit reports and quotes a price based on these factors.

This helps simplify price comparisons, but having to visit several different sites and fill out multiple forms can get tiresome after awhile. But it's very important to perform this step if you want to find the best price on auto insurance.

Quote rates the easy way

A quicker way to compare rates uses one form that gets price quotes from several different companies. The form is fast, eliminates repetitive work, and makes price shopping online a lot less work. Once the form is submitted, it gets priced with multiple companies and you can pick any one of the quotes returned. If one or more price quotes are lower than your current rates, it's easy to complete the application and purchase coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you input your coverages as close as possible to your current policy. This ensures you will get comparison quotes for similar insurance coverage.

Are you getting all your discounts?

Companies offering auto insurance don't always advertise all their discounts very clearly, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving.

  • Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Safety Course Discount - Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Multiple Cars - Buying coverage for all your vehicles on the same auto insurance policy qualifies for this discount.
  • Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

To see a list of companies with discount auto insurance rates in Texas, click here.

Tailor your coverage to you

When choosing coverage for your vehicles, there isn't really a cookie cutter policy. Everyone's situation is unique.

For instance, these questions may help highlight whether you will benefit from professional help.

  • Should I file a claim if it's only slightly more than my deductible?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered if I wreck a rental car?
  • Does my personal policy cover me when driving my company car?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form.

Additional Texas consumer information

Even more information can be read at the Texas Department of Insurance website. Texas consumers can read enforcement actions against agents and companies, file complaints about a company, and discover disciplinary actions.

Additional helpful sites include Auto Insurance 101 and this page where you can research Fort Worth insurance agents.