It’s impossible to miss the commercials from car insurance companies like Farmers and The General that make claims of big savings. So drivers should just pick one at random, right?
It’s not quite that easy, unfortunately, as there are a whole slew of unknown factors like the vehicle you are insuring, your age, your credit score, and whether you want full coverage, that all go into determining the rate you pay. This article will discuss some of these factors and should give you a good start to your coverage search.
The make and model of vehicle that needs insurance is a large factor in finding the most affordable coverage for handicapped drivers. Vehicles with lower acceleration and performance, a great safety record, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models.
The next table illustrates car insurance costs for the most cost-effective vehicles to buy insurance for.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$883|
|Honda CR-V LX 2WD||$966|
|Ford Explorer XLT AWD||$991|
|Dodge Grand Caravan CV||$999|
|Ford Focus S 4-Dr Sedan||$1,025|
|Honda Odyssey EX W/Rear Entertainment||$1,033|
|Chevrolet Impala LT||$1,046|
|Chevrolet Equinox LS AWD||$1,056|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,057|
|Volkswagen Jetta 2.0T Station Wagon||$1,135|
|Ford F-150 Lariat Crew Cab Harley 4WD||$1,141|
|GMC Sierra 3500HD SLT Extended Cab 2WD||$1,150|
|Toyota Camry LE||$1,146|
|Toyota RAV4 4WD||$1,177|
|Ford Fusion S 4-Dr Sedan||$1,184|
|Chevrolet Silverado LS Regular Cab 2WD||$1,184|
|Honda Accord EX-L 2-Dr Coupe||$1,196|
|Kia Optima EX||$1,206|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,205|
|Chevrolet Malibu LT||$1,212|
|Honda Civic EX 4-Dr Sedan||$1,207|
|Hyundai Elantra Blue 4-Dr Sedan||$1,216|
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Table data represents single male 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. Rate quotes do not factor in specific location information which can decrease or increase auto insurance rates considerably.
By looking at the data, we can expect vehicles like the Ford Escape, Honda CR-V, Toyota Prius, Ford Explorer, and Dodge Grand Caravan are going to be some of the cheaper vehicles to insure for drivers with handicaps.
Shopping around for cost effective car insurance is not the easiest thing to accomplish, and deciding which companies have the lowest-priced insurance rates for handicapped drivers calls for additional perseverance. Each company has a unique approach for determining rates, so let’s take a look at the most affordable insurance companies in Fort Worth, TX.
We do need to point out that Fort Worth insurance rates are calculated based on many things that may substantially change the price of your policy. Events like a birthday, buying a different vehicle, or getting a few speeding tickets may generate price changes resulting in some rates now being more expensive than others.
Cheapest Insurance Rates in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
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Travelers normally has some of the cheapest car insurance rates in Fort Worth at around $1,021 each year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the cheapest Fort Worth, TX auto insurance companies.
In the above rates, if you are insured with California Casualty and switched to USAA, you might achieve an annual savings of in the neighborhood of $265. Texas drivers with Esurance might save as much as $304 a year, and State Farm policyholders might cut rates by $333 a year.
To see if your current coverage is too expensive, click here to get a free quote or click through to the companies below.
Be aware that those premiums are averaged across all drivers and vehicles in Texas and do not factor in an exact location for handicapped drivers. So the car insurance company that fits your needs best may not even be in the top 23 companies in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
For drivers with handicaps, one of the largest criteria that are looked at to determine insurance cost is where you keep your car. Larger areas tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.
The table below rates the most expensive places in Texas for handicapped drivers to purchase a policy in. Fort Worth is ranked at #19 with the annual price of $1,621 for the average insured, which is about $135 per month.
|Rank||City||Premium Per Year|
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Rate information is approximated as the garaging address in Fort Worth can modify coverage rates substantially.
The chart below illustrates how your choice of deductibles can raise or lower yearly insurance costs when searching for cheap insurance for handicapped drivers. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.
In the chart above, a 50-year-old driver could pocket $362 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $546 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, could shave as much as $900 every year just by using higher deductibles. When increasing deductibles, it will now be necessary to have enough savings set aside to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Tickets and at-fault accidents raise rates
The easiest method to obtain affordable insurance premiums in Fort Worth for drivers with handicaps is to drive attentively and avoid tickets and accidents. The chart below shows how speeding tickets and fender-benders can raise auto insurance rates for different insured age categories. Data assumes a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of auto insurance in Texas per year with no accidents and a clean driving record is $2,181. Get written up for one speeding ticket and the average cost jumps to $2,456, an increase of $275 each year. Now include two accidents along with the one speeding ticket and the annual cost of insurance for handicapped drivers increases to an average of $4,766. That’s an increase of $2,586, or $215 per month, just for a couple of infractions!
Get discount Fort Worth car insurance
Insurance companies that sell policies for handicapped drivers may additionally offer policy discounts that may potentially lower prices by as much as 40% or more if you qualify. A list of insurance companies and some of their more popular discounts are included below.
- The Hartford may have discounts that include driver training, defensive driver, vehicle fuel type, good student, and anti-theft.
- American Family has discounts for Steer into Savings, good student, early bird, mySafetyValet, multi-vehicle, good driver, and TimeAway discount.
- Progressive discounts include multi-vehicle, online signing, multi-policy, homeowner, and good student.
- Travelers includes discounts for student away at school, continuous insurance, save driver, home ownership, early quote, multi-policy, and hybrid/electric vehicle.
- Farmers Insurance offers discounts for electronic funds transfer, bundle discounts, homeowner, distant student, and alternative fuel.
- USAA may offer discounts for family discount, annual mileage, defensive driver, military installation, multi-vehicle, driver training, and good student.
- Liberty Mutual may include discounts for newly married, multi-policy, exclusive group savings, hybrid vehicle, new vehicle discount, newly retired, and good student.
The diagram below compares annual premium costs with and without discounts applied to the rates. The premiums are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with marriage, safe-driver, multiple vehicle, accident-free, defensive driving course, and vehicle safety discounts applied. When discounts are applied, theamount saved on insurance for handicapped drivers is 28% or $637.
How to find budget-friendly insurance for handicapped drivers
It is possible to find better rates, and here are some penny-pinching suggestions that can help Texas drivers quote lower-cost auto insurance.
- Drive attentively and avoid accidents
- Better credit scores save money
- If possible, do not file small claims
- Save money by observing traffic laws and speed limits
- Vehicles with safetly features generally cost less to insure
- Compare rates regularly and switch companies to save money
The last item on the list is notably valuable, as was pointed out in the prior article. Coverage prices go up and down frequently, so you should be ready to switch carriers if you find a cheaper price. Many drivers have brand loyalty and that’s fine, but we do not recommend it if that loyalty results in overpaying money that could be spent on other things. If you have a few minutes, shop around and find cheaper insurance for handicapped drivers in Fort Worth.
The Fort Worth, TX, insurance agents below can most likely answer your questions and help you decide which policy is best, since some drivers aren’t sure which coverage they need and prefer to get some professional advice when trying to find lower insurance rates for drivers with handicaps. It can be complicated to find the best coverage on your own, so using a licensed agent can add comfort knowing your coverage gives you sufficient coverage at claim time. To locate an agency in your neighborhood, click the link at the bottom.
Marty Melton – State Farm Insurance Agent
5250 McCart Ave – Fort Worth, TX 76115 – (817) 924-2424
State Farm: Steve Gary
4947 S Hulen St – Fort Worth, TX 76132 – (817) 737-8311
Larry Martin – State Farm Insurance Agent
7833 Summer Creek Dr – Fort Worth, TX 76123 – (817) 292-6214
Nationwide Insurance: The Jeter Agency
6650 N Beach St Ste 118 – Fort Worth, TX 76137 – (817) 788-8620
Hemphill Insurance Agency
3121 Hemphill St – Fort Worth, TX 76110 – (817) 923-2001