Car Insurance Rates in Fort Worth

I really doubt anyone likes buying auto insurance, especially when they know their premiums are through the roof.

Surprisingly, a recent survey revealed that the vast majority of auto insurance customers have been with the same company for well over three years, and nearly the majority have never compared rates from other carriers. Drivers in Texas can cut their rates by almost 70% a year by just shopping around, but they don’t know the big savings they would realize if they switched.

How to find affordable quotes for car insurance in Fort Worth

The best way to find low-cost prices for car insurance prices in Fort Worth is to compare prices annually from insurance carriers in Texas.

First, spend some time learning about how your policy works and the things you can control to keep rates down. Many policy risk factors that drive up the price such as speeding and poor credit history can be improved by making minor changes in your lifestyle.

Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO and Allstate, while agents who are independent can quote rates from multiple insurance companies.

Third, compare the quotes to your existing policy and determine if there is any savings. If you find a lower rate and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

The most important part of this process is that you use identical deductibles and limits on each quote request and and to get rates from as many companies as possible. Doing this provides a level playing field and a thorough selection of prices.

Because there are so many online and local companies to choose from, it can be difficult for people to locate the most affordable company.

It’s a great practice to do rate comparisons every six months since insurance prices are variable and change quite frequently. Just because you found the lowest rates on auto insurance on your last policy you may be paying too much now. Forget all the misinformation about auto insurance because you’re going to learn how to use the internet to properly buy coverages and cut your premium.

Getting a cheaper price on insurance is pretty simple and can save money. The only thing you need to do is take a couple of minutes comparing rate quotes provided by online insurance companies.

Comparison shopping quotes online is easy and it makes it obsolete to spend time driving to different Fort Worth agent offices. Doing it all online makes this process obsolete unless you’re the type of person who wants the advice and guidance that only an agent can give. Some companies do allow you to find lower rates online but buy from a local Fort Worth insurance agent.

The companies shown below have been selected to offer quotes in Fort Worth, TX. If several companies are displayed, we recommend you visit as many as you can to get the best price comparison.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Prices do not factor in specific garaging location which can influence premiums greatly.

Insurance policy discounts you can’t miss

Companies that sell car insurance don’t necessarily list every available discount very well, so below is a list a few of the more well known and also the more inconspicuous insurance savings.

• Senior Citizens – If you qualify as a senior citizen, you can get lower premium rates.
• Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a Fort Worth car insurance quote. Earning this discount can benefit you well after school through age 25.
• Save with a New Car – Buying a new car model can get you a discount due to better safety requirements for new model year vehicles.
• Distant Student Discount – Any of your kids who are enrolled in higher education away from home and do not have access to a covered vehicle can receive lower rates.
• Air Bags and Passive Restraints – Options like air bags may earn rate discounts of more than 20%.
• Discount for Swiching Early – Select insurance companies give a discount for buying a policy prior to your current policy expiration. Ten percent is about the average savings.

Discounts save money, but please remember that many deductions do not apply to the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, you aren’t that lucky.

For a list of insurers that provide some of the discounts listed above in Texas, click here to view.

Informed drivers can cut your costs

Many different elements are part of the calculation when you get a price on insurance. A few of the factors are predictable like your driving record, although others are not as apparent like your vehicle usage or your vehicle rating. Part of the insurance buying process is learning some of the things that are used to determine your policy premiums. If you know what determines premiums, this enables you to make decisions that could help you find cheaper rates.

Shown below are some of the items used by your company to calculate your rate level.

Keep insurance claims to a minimum – If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies in Texas give cheaper rates to insureds that do not abuse their auto insurance. Your insurance policy is intended for larger claims.

Performance impacts insurance premiums – The performance of the car, truck or SUV you need to insure makes a substantial difference in your rates. The best insurance prices are usually for smaller low performance passenger models, but that’s not the only thing that factors into the final price.

Prevent theft and save – Choosing a vehicle that has a built-in theft deterrent system can help lower your premiums. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft and help lower rates.

Small coverages can add up – There are a ton of additional extra coverages that you can get tricked into buying if you don’t pay attention. Insurance for things like rental car reimbursement, better glass coverage, and extra life insurance coverage are probably not needed. The coverages may be enticing when talking to your agent, but now you might not need them so remove them and pocket the money.

Higher comp and collision deductibles are cheaper – Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of covered claims are a broken side mirror, vandalism, and having your car stolen. Physical damage deductibles define the amount you are required to spend if the claim is covered. The larger the amount the insured has to pay upfront, the bigger discount you will receive.