The preferred way to get cheaper auto insurance rates in Fort Worth is to start comparing prices yearly from different companies who provide auto insurance in Texas.
- Try to comprehend what coverages are included in your policy and the steps you can take to lower rates. Many things that are responsible for high rates like tickets, at-fault accidents, and a not-so-good credit score can be improved by being financially responsible and driving safely.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while independent agents can provide price quotes from multiple insurance companies.
- Compare the new quotes to your existing policy to see if you can save by switching companies. If you find better rates and make a switch, make sure there is no lapse in coverage.
The most important part of shopping around is that you’ll want to make sure you compare similar deductibles and liability limits on each price quote and and to analyze as many car insurance companies as possible. This provides a level playing field and many rates to choose from.
Smart shoppers know that insurance companies don’t want you to look at other companies. Drivers who shop around for cheaper prices will, in all likelihood, buy a new policy because there is a good probability of finding lower rate quotes. A study showed that people who faithfully checked for cheaper rates saved an average of $860 a year compared to drivers who never shopped around.
If finding low prices for car insurance is your ultimate goal, then having a good understanding how to get rate quotes and compare insurance rates can save time, money, and frustration.
Finding the cheapest insurance coverage in Fort Worth is easy if you know what you’re doing. In essence, every car owner who is looking for cheaper insurance should be able to reduce their rates. But Texas car owners need to have an understanding of how big insurance companies price insurance differently and take advantage of how the system works.
There are several ways to compare quotes from different Fort Worth insurance companies. The easiest way to comparison shop is to get quotes online. When comparison shopping, more quotes gives you a better chance of getting better pricing.
The companies shown below offer price quotes in Texas. If multiple companies are shown, it’s a good idea that you visit as many as you can to find the lowest auto insurance rates.
Insurance statistics for a Ford Flex
The table shown below highlights estimates of insurance coverage prices for Ford Flex models. Learning more about how insurance premiums are calculated can assist in making informed decisions when comparing rate quotes.
|Flex SE 2WD
|Flex SEL 2WD
|Flex SEL AWD
|Flex Limited 2WD
|Flex Limited AWD
|Get Your Own Custom Quote Go
Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in specific zip code location which can change premium rates significantly.
Age-based insurance rates by gender in Fort Worth
The chart below illustrates the comparison of Ford Flex annual premium costs for male and female drivers. The prices are based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, single marital status, and no other discounts are factored in.
Ford Flex liability rates compared to full coverage
The diagram below shows the difference between Ford Flex insurance costs with full coverage compared to only the Texas minimum liability coverage. The rate quotes are based on a clean driving record, no claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.
When to drop comprehensive and collision coverage
There is no exact rule to drop full coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Ford Flex replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after the deductible is paid. If premium cost is more than $200 annually for full coverage, then you may want to consider only buying liability coverage.
There are a few situations where dropping full coverage is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Insuring your vehicle just makes sense
Despite the fact that auto insurance is not cheap in Fort Worth, maintaining insurance serves a purpose in several ways.
First, the majority of states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance coverage in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a lien on your car, it’s most likely the lender will make it a condition of the loan that you buy insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may have to buy a policy to insure your Ford at a much higher rate and require you to pay for it.
Third, insurance protects your Ford Flex and your assets. It will also pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your policy will pay all costs to repair after the deductible has been paid.
The benefits of buying auto insurance outweigh the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is overpaying over $810 a year so you should quote rates every year to save money.
Score discounts on Fort Worth insurance
Some providers don’t always publicize every possible discount very well, so we took the time to find a few of the more common and also the more inconspicuous discounts that you may qualify for.
- Auto/Home Discount – If you can combine your home and auto policy and insure them with the same company you could earn a discount of up to 20% and get you affordable Ford Flex insurance rates in Fort Worth.
- Drive Less and Save – Driving fewer miles can qualify you for lower insurance rates on the low mileage vehicles.
- Employee of Federal Government – Active or retired federal employment could cut as much as 10% off but check with your company.
- Responsible Driver Discount – Drivers who don’t get into accidents can save up to 40% or more on their Fort Worth auto insurance quote than less cautious drivers.
- Claim Free – Fort Worth drivers who stay claim-free pay much less in comparison with insureds who have frequent claims or accidents.
- Homeowners Savings – Owning a home in Fort Worth can help you save on insurance because maintaining a house means you have a higher level of financial diligence.
- Safety Course Discount – Passing a defensive driving course is a good idea and can lower rates and easily recoup the cost of the course.
As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like you could get a free insurance policy, it’s just not the way it works. Any amount of discount will definitely lower your policy premium.
The diagram below compares Ford Flex car insurance rates with and without discounts applied to the rates. The data is based on a male driver, no claims or violations, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, marriage, multi-car, and safe-driver discounts applied.
Some of the insurance companies that possibly offer most of these discounts include:
Double check with all companies you are considering how you can save money. Some discounts may not apply everywhere. To view companies who offer online Ford Flex insurance quotes in Fort Worth, click here to view.
Comparing quotes from local Fort Worth insurance agencies
Some consumers prefer to get advice from a local agent. One of the benefits of comparing insurance online is that drivers can save money and get the lowest rates and still have a local agent.
To find an agent, once you fill out this form (opens in new window), the quote information gets sent to local insurance agents in Fort Worth who will give competitive quotes and help you find cheaper coverage. There is no need to contact any agents since price quotes are sent directly to your email. You can find better rates without the usual hassles of price shopping. If you wish to get a comparison quote from a specific insurance company, you would need to visit that company’s website and fill out their quote form.
Finding the right insurer requires you to look at more than just the premium amount. Get answers to these questions too.
- Do they write coverage based solely on cost?
- Did they already check your driving record and credit reports?
- How many companies do they write for?
- Does the agency have a current Errors and Omissions policy?
- Can you choose the body shop in case repairs are needed?
- Do they have 24-hour customer assistance?
- Are there any discounts that you might be missing?
Multiple types of auto insurance agents in Fort Worth
When researching a reputable agency, you should know the different types of agencies and how they are distinctly different. Insurance agencies are classified as either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Exclusive agencies generally can only insure with one company and examples are Farmers Insurance or State Farm. They usually cannot shop your coverage around so it’s a take it or leave it situation. Exclusive agencies receive a lot of sales training on their company’s products which helps them sell insurance even at higher premiums. Some people will only use the same agent mostly because of the brand and solid financial strength.
Listed below are exclusive insurance agencies in Fort Worth who can help you get rate quotes.
- Earl Wood – State Farm Insurance Agent
2900 S Hulen St #50 – Fort Worth, TX 76109 – (817) 922-9300 – View Map
- Matt Poston – State Farm Insurance Agent
3417 Hulen St #203 – Fort Worth, TX 76107 – (817) 732-1611 – View Map
- Judy Samuel – State Farm Insurance Agent
501 Carroll St #650 – Fort Worth, TX 76107 – (817) 810-0143 – View Map
Independent Insurance Agents
These agents are not limited to a single company and that gives them the ability to insure through many companies and possibly get better coverage at lower prices. If they quote lower rates, they simply move the coverage in-house and you won’t have to switch agencies.
When comparing rates, it’s a good idea to compare quotes from independent agents to ensure the widest selection of prices. Many can place coverage with less well-known companies which can save you money.
The following are Fort Worth independent insurance agents who can help you get price quotes.
- Graham Insurance Group, Inc.
2914 SE Loop 820 – Fort Worth, TX 76140 – (817) 293-0388 – View Map
- Fort Worth Insurance Agency
5049 Trail Lake Dr – Fort Worth, TX 76133 – (817) 292-2929 – View Map
- Lucien Wright Insurance Services
6000 Western Pl #100 – Fort Worth, TX 76107 – (817) 335-3400 – View Map
If you get answers to your satisfaction for all questions you ask as well as a affordable price, you’ve probably found an insurance agency that meets the criteria to provide insurance coverage. Just keep in mind you have the power to cancel your coverage when you choose so never assume you are locked into the insurance policy for the full policy term.
It’s not one size fits all
When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that.
For example, these questions can help discover whether or not you might need professional guidance.
- Is other people’s property covered if stolen from my vehicle?
- Do I have ACV or replacement cost coverage?
- Is pet coverage available?
- Which is better, split liability limits or combined limits?
- Is pleasure use cheaper than using my Ford Flex to commute?
- Does my policy pay for OEM or aftermarket parts?
- When should I buy a commercial auto policy?
If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier
Insurance coverage considerations
Having a good grasp of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.
This will cover damage that occurs to other people or property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 30/60/25 that means you have a limit of $30,000 per injured person, $60,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims such as court costs, loss of income, structural damage, legal defense fees and bail bonds. How much liability should you purchase? That is up to you, but buy as much as you can afford. Texas requires drivers to carry at least 30/60/25 but drivers should carry more liability than the minimum.
The chart below shows why low liability limits may not be high enough to cover claims.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like prosthetic devices, chiropractic care, X-ray expenses, surgery and dental work. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Uninsured or underinsured coverage
This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Flex.
Since a lot of drivers only purchase the least amount of liability that is required (30/60/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Collision insurance pays for damage to your Flex resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like crashing into a building, colliding with another moving vehicle, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Flex to bring the cost down.
This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as rock chips in glass, damage from flooding and vandalism. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
One last note
Cheap Ford Flex insurance in Fort Worth is possible on the web and from local insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and usually these small insurance companies work with local independent agents.
In this article, we covered many ways to reduce Ford Flex insurance prices online in Fort Worth. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even be surprised to find that the lowest prices come from a lesser-known regional company. They may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.
Even more information is located in these articles:
- Car Insurance FAQ (Trusted Choice)
- Who Has the Cheapest Fort Worth Auto Insurance for Drivers with a DUI? (FAQ)
- Who Has Affordable Fort Worth Car Insurance Quotes for Nurses? (FAQ)
- Who Has Cheap Fort Worth Auto Insurance Rates for a Honda CR-V? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Learn About Car Insurance (GEICO)