Establishing which company quotes the best insurance rates for government employees requires a tad more effort in order to find the most economical policy. Each company uses a little different formula to determine rates, so we’ll take a look at the most budget-friendly insurance companies in Texas.
Find the Cheapest Car Insurance in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
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Travelers may offer some of the lowest car insurance rates in Fort Worth at around $1,041 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the lowest-priced Fort Worth, TX insurance companies.
In the rate table above, if you are a customer of USAA and switched to Travelers, you could realize an annual savings of in the vicinity of $76. Policyholders with Texas Farm Bureau could save as much as $206 a year, and Germania Mutual customers might see rate reductions of $215 a year.
Remember that these premium estimates are averaged across all ages of drivers and types of vehicles and do not factor in an exact zip code location for government employees. So the insurer that fits your needs best may not even be in the top 23 companies in the list above. That points out the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
The vehicle requiring insurance is one of the largest factors that determines whether or not you can buy the best cheap car insurance for government employees. Vehicles with reasonable performance levels, an excellent safety record, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models.
The next table outlines car insurance rates for the most affordable vehicles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,022|
|Ford F-150 XLT Regular Cab 4WD||$1,048|
|Hyundai Elantra GLS Touring Station Wagon||$1,057|
|Ford Escape XLT 2WD||$1,065|
|Chevrolet Malibu LT||$1,129|
|Dodge Grand Caravan Crew||$1,134|
|Ford Explorer Limited 4WD||$1,129|
|Honda Civic EX 4-Dr Sedan||$1,146|
|Honda Odyssey LX||$1,159|
|Ford Edge SE 2WD||$1,166|
|Toyota Corolla S||$1,168|
|Chevrolet Impala LS||$1,185|
|Nissan Rogue S 2WD||$1,187|
|Chevrolet Silverado LS Regular Cab 2WD||$1,207|
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can influence premiums greatly.
Looking at the numbers, you can infer that cars like the Honda CR-V, Ford F-150, Hyundai Elantra, Ford Escape, and Chevrolet Malibu will be a few of the cheapest vehicles to insure for state and federal workers.
For state and federal workers, one of the largest considerations that aid in calculating the price you pay for insurance is where you live. Areas with more people or even just a higher incidence of claims will most likely have higher rates, whereas areas that tend to be more rural tend to receive cheaper rates.
The illustration below shows the most expensive places in Texas for government employees to purchase a policy in. Fort Worth is ranked #16 having an annual price of $1,653 for coverage, which is around $138 monthly.
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Premium amounts are approximated as the specific garaging location can affect coverage prices noticeably.
How to get discounts on Fort Worth insurance rates
Auto insurance companies that offer cheap quotes for government employees may also provide special discounts that may potentially lower prices by as much as 40% or more if you meet specific criteria. Companies and a summarized list of policyholder discounts can be read below.
- State Farm includes discounts for passive restraint, good driver, good student, driver’s education, safe vehicle, and Steer Clear safe driver discount.
- Farmers Insurance has discounts for bundle discounts, distant student, mature driver, business and professional, alternative fuel, and pay in full.
- GEICO offers premium reductions for good student, membership and employees, anti-lock brakes, daytime running lights, multi-vehicle, and driver training.
- American Family may offer discounts for multi-vehicle, Steer into Savings, good student, defensive driver, and good driver.
- Nationwide may have discounts that include easy pay, anti-theft, accident-free, defensive driving, and business or organization.
- Progressive policyholders can earn discounts including online quote discount, homeowner, continuous coverage, online signing, multi-policy, good student, and multi-vehicle.
The information below visualizes the comparison of insurance costs with and without some available policy discounts. The costs are based on a male driver, no claims or driving citations, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple vehicle, passive restraint, defensive driving course, vehicle safety, multiple policy, and accident-free discounts applied. In this example, the average amount saved each year on insurance for government employees is 28% or $496.
Picking the highest-rated car insurance provider can be difficult considering how many different companies sell coverage in Fort Worth. The company information in the lists below can help you decide which providers you want to consider shopping your coverage with.
These rankings are for the largest auto insurers in America, so smaller companies are not factored into these rankings. If you wish to compare rates from these top-rated insurers and more, simply click here.
Top 10 Large Auto Insurance Companies in Fort Worth Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Top 10 Large Auto Insurance Companies in Fort Worth Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
The example below demonstrates how deductibles can increase or decrease insurance costs when researching cheap insurance for government employees. The costs are based on a single male driver, full coverage, and no policy discounts are applied.
In the chart above, a 50-year-old driver could pocket $374 a year by switching from a $100 deductible to a $500 deductible, or save $564 by using a $1,000 deductible. Even younger drivers, such as the Age 20 example, could roll back prices $1,236 or more just by choosing higher deductibles when buying full coverage.
If you do raise deductibles, it is important to have additional savings on hand to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
If you aren’t clear which coverage you need and would like to have a consultation when shopping around for cheaper insurance for state and federal workers, the insurance agencies below can probably help you determine which coverage meets your needs best.
To locate a Fort Worth insurance agent nearest to you, click the button link following the list.
Sloan Clark – State Farm Insurance Agent
2606 S Cherry Ln – Fort Worth, TX 76116 – (817) 560-3344
Ornelas Insurance Agency
5901 E Lancaster Ave – Fort Worth, TX 76112 – (817) 496-9111
Luna Insurance Agency
4475 Hemphill St – Fort Worth, TX 76115 – (817) 744-8150
Fort Worth Insurance Agency
5049 Trail Lake Dr – Fort Worth, TX 76133 – (817) 292-2929
Allstate Insurance: Frank Sargent
6901 McCart Ave Ste 100 – Fort Worth, TX 76133 – (817) 370-1895