This would be a real easy article to write if we could just tell you the single best company that has the lowest rates in Texas. Regrettably, it’s not quite that easy, as there are a whole bunch of unknown elements like whether or not your vehicle has good safety ratings, the number of miles you drive in a year, the neighborhood you live in, and if you are married or single, that all impact the price you pay. This article goes into detail about the best ways to find cheap auto insurance and educate you enough to have some help in finding cheaper rates.
The vehicle model driven is a large factor when comparing quotes for low-priced coverage for 4×4 vehicles. Vehicles with limited speed and performance, good crash test ratings, or a low likelihood of having liability claims will cost significantly less to insure than adrenaline junky models. The list below outlines insurance rates for the most affordable vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$828|
|Ford Escape XLT 2WD||$938|
|Honda Accord EX 4-Dr Sedan||$948|
|Ford Edge SEL AWD||$956|
|Dodge Grand Caravan Hero||$976|
|Chevrolet Equinox LS AWD||$983|
|Chevrolet Impala LTZ||$1,028|
|Volkswagen Jetta S 2.5 Station Wagon||$1,032|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,048|
|Ford F-150 STX Super Cab 4WD||$1,080|
|Ford Focus SES 2-Dr Coupe||$1,100|
|Jeep Grand Cherokee Laredo 4WD||$1,113|
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in zip code location which can change rates noticeably.
Based upon these rates, you can presume that makes and models like the Honda CR-V, Ford Escape, Honda Accord, Ford Edge, and Dodge Grand Caravan are most likely to be some of the cheaper vehicles to insure for off-road vehicles.
Finding out which companies offer the cheapest car insurance rates for 4×4 vehicles will take a little more sweat in order to find coverage that fits your budget. Each insurer uses a little different formula for setting prices, so to begin we’ll rank the most competitive car insurance companies in Fort Worth.
It’s a good idea to know that Fort Worth, TX car insurance rates are based on many factors that can increase the price you have to pay. Getting older, moving to a different location, or getting a ticket for careless driving may generate price changes that can make some companies cheaper than before.
Best Cheap Insurance Rates for 4×4’s
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
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Travelers has some of the most affordable car insurance rates in Fort Worth at around $1,021 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the lowest-priced Fort Worth, TX insurance companies.
As the rates illustrate above, if you buy coverage from Esurance and switched to USAA, you may realize annual savings of approximately $326. Insureds with California Casualty might save as much as $343 a year, and State Farm policyholders might reduce rates by $370 a year.
These policy prices are averages across all drivers and vehicles and and are not figured with a specific zip code for 4×4 vehicles. So the car insurance company that has the lowest price for you may not even be in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own specific driver information and vehicle.
The diagram below illustrates how your choice of deductibles can influence annual premium costs when researching cheap insurance for 4×4 vehicles. The rates are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
The data above shows that a 40-year-old driver could pocket $374 a year by changing from a $100 deductible up to a $500 deductible, or save $564 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could roll back prices as much as $1,236 annually by using higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it is a good idea to have spare funds to be able to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Get discount Fort Worth insurance rates
Insurance providers that offer quotes for 4×4 vehicles may have premium discounts that can lower rates by 25% or more if you meet specific criteria. A few of the larger companies and some of the discounts are included below.
- Farm Bureau may include discounts for driver training, good student, 55 and retired, multi-vehicle, and safe driver.
- State Farm policyholders can earn discounts including passive restraint, student away at school, anti-theft, Drive Safe & Save, good driver, Steer Clear safe driver discount, and accident-free.
- Progressive offers premium reductions for online quote discount, continuous coverage, online signing, good student, multi-vehicle, and multi-policy.
- Allstate has discounts for good student, anti-lock brakes, economy car, teenSMART discount, defensive driver, passive restraint, and safe driver.
- Nationwide offers discounts including anti-theft, family plan, defensive driving, business or organization, and accident-free.
- MetLife offers discounts for good driver, multi-policy, claim-free, defensive driver, accident-free, and good student.
The chart below shows the difference between auto insurance rates with and without discounts. The premium estimates are based on a male driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, defensive driving course, vehicle safety, multiple vehicle, marriage, and passive restraint discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on car insurance for 4×4 vehicles is 28% or $599.
Why it’s important to shop around
Texas car insurance rates are impacted by many factors that can increase the price you pay. Simply turning a year older, adding a teenager to your policy, or getting a DUI may cause policy rate changes that can cause some rates to be more affordable than before. And not only may your rating factors change, but insurance companies amend premium rates as often as every three months in order to be able to pay unexpected claims. Higher than usual claims may result in more expensive prices, while a better loss history may result in lower-priced Fort Worth car insurance rates.
As an example, the bar chart below compares the cheapest car insurance in Fort Worth, TX for a 45-year-old male driver with no prior accidents, a clean driving record, and a good credit rating. When quoting prices based on his current rating profile, Travelers may have the cheapest car insurance rates in Fort Worth at $1,134 annually. This is $770 less than the average rate paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and California Casualty are the remainder of the top five cheapest Fort Worth, TX auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison a couple of claims, a lower credit rating, and a traffic citation. Due to the fact that every auto insurer has their own guidelines for determining rates, getting updated rate quotes will most likely result in a new list of the cheapest Fort Worth car insurance companies as shown below.
State Farm now has the cheapest car insurance in Fort Worth, TX with Mercury, Nationwide, USAA, and Safe Auto completing the list. This example proves why it is critical to compare as many rates as possible when trying to get cheap car insurance rates for 4×4 vehicles. Insurance rates consist of many different factors and change dramatically, so the cheapest option the last time you compared rates may now be quite expensive.