The best way we recommend to get affordable auto insurance rates in Fort Worth is to compare quotes annually from different companies that sell auto insurance in Texas. You can shop around by following these steps.
First, read about how companies set rates and the modifications you can make to prevent expensive coverage. Many factors that cause high rates such as inattentive driving and a low credit score can be rectified by making minor changes to your lifestyle. Keep reading for additional ideas to help prevent high rates and find hidden discounts.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or Allstate, while agents who are independent can quote rates for a wide range of companies.
Third, compare the new rates to your existing policy and see if you can save money. If you find a lower rate and switch companies, make sure there is no lapse in coverage.
The critical component of shopping around is that you use the same amount of coverage on each quote request and and to get quotes from as many different insurance providers as possible. Doing this enables a level playing field and a complete price analysis.
It's amazing but most insurance customers kept buying from the same company for more than four years, and almost 40% of drivers have never quoted insurance rates at all. Texas drivers can save hundreds of dollars each year just by getting comparison quotes, but they don't believe the amount of savings they would get if they bought a different policy.
We hope to let you in on the most effective ways to compare rates and also pocket some savings If you are paying for car insurance now, you will surely be able to get lower rates using these tips. Drivers only need an understanding of the proper way to get comparison rates from many different companies online.
Cheapest companies for Chevy Sonic insurance
The companies shown below can provide price comparisons in Fort Worth, TX. If multiple companies are shown, we suggest you visit two to three different companies to get a more complete price comparison.
Get cheaper Chevy Sonic insurance in Fort Worth with discounts
The cost of insuring your cars can be expensive, but there could be available discounts that you may not know about. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be asked for prior to getting the savings. If you do not double check each discount possible, you are just wasting money.
- Seat Belt Discounts - Using a seat belt and requiring all passengers to buckle up can save 10% or more off PIP or medical payments premium.
- Drive Safe and Save - Accident-free drivers may save up to 50% more than their less cautious counterparts.
- Discount for Home Ownership - Just being a homeowner may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.
- Active Military Service - Being deployed in the military could qualify you for better rates.
- Discount for Swiching Early - Some insurance companies provide a discount for switching companies before your current coverage expires. Ten percent is about the average savings.
- Online Discount - Some of the larger companies provide a small discount just for signing your application digitally online.
Remember that most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. Just because you may think all those discounts means the company will pay you, companies don't profit that way. But all discounts will help reduce your premiums.
Some of the insurance companies that possibly offer most of these discounts include:
Check with each insurance company which discounts can lower your rates. Some discounts listed above may not be available in Fort Worth.
Get rate quotes but buy from a local Fort Worth insurance agency
A lot of people still prefer to talk to an insurance agent and that is recommended in a lot of cases Good agents are very good at helping people manage risk and help in the event of a claim. One of the best bonuses of getting free rate quotes online is that you can obtain better rates and still have a local agent. Supporting local agents is important especially in Fort Worth.
Upon completion of this quick form, the coverage information is immediately sent to participating agents in Fort Worth that provide free Fort Worth auto insurance quotes for your car insurance coverage. You don't have to drive around as quotes are delivered to your email. If you need to get a comparison quote from a specific company, you would need to navigate to their website and fill out their quote form.
Insurance agent types
If you are wanting to purchase car insurance from a local Fort Worth insurance agency, it's important to understand the types of agencies and how they differ in how they can insure your vehicles. Insurance agencies in Fort Worth can either be independent agents or exclusive agents. Both can insure your vehicles properly, but it is a good idea to know the subtle differences because it may have an impact on the kind of agent you use.
Independent Car Insurance Agents
Independent insurance agents are not required to write business for one company so they can write business through many companies depending on which coverage is best. If premiums increase, your agent can switch companies and you won't have to switch agencies.
If you need lower rates, you definitely need to include multiple independent agents to get the best comparison.
Below are Fort Worth independent insurance agencies who may provide price quote information.
Nationwide Insurance: Darla Duncan Insurance Agency
5801 Curzon Ave #137 - Fort Worth, TX 76107 - (817) 731-0991 - View Map
Exclusive Insurance Agencies
These type of agents can only quote rates from one company and examples are Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide other company's prices so they really need to provide good service. Exclusive agents are well trained on their company's products which aids in selling service over price.
Below are exclusive agencies in Fort Worth that can give you comparison quotes.
Finding the right auto insurance agent should depend on more than just the quoted price. The questions below may impact your decision as well.
- If you raise deductibles, how much can you save?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- If they are an independent agency in Fort Worth, which companies do they recommend?
- If you are a high risk driver, do they have special markets for your coverage?
- Do they offer accident forgiveness?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
If you feel you receive good responses for all questions you ask as well as a price you're happy with, chances are good that you have found an auto insurance agent that is professional and can properly insure your vehicles.
Parts of your car insurance policy
Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on the average car insurance policy.
Insurance for medical payments - Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for surgery, EMT expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as hitting a deer, hail damage and damage from a tornado or hurricane. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Collision - This will pay to fix damage to your Sonic resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like sustaining damage from a pot hole, scraping a guard rail, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible on your Sonic in order to get cheaper collision rates.
Uninsured Motorist or Underinsured Motorist insurance - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle's damage.
Since many Texas drivers carry very low liability coverage limits (30/60/25), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are similar to your liability insurance amounts.
Auto liability insurance - This coverage can cover injuries or damage you cause to people or other property that is your fault. It protects you against other people's claims, and doesn't cover damage to your own property or vehicle.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 30/60/25 that translate to $30,000 in coverage for each person's injuries, a limit of $60,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers things such as loss of income, funeral expenses, medical expenses, bail bonds and medical services. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible. Texas state law requires minimum liability limits of 30/60/25 but drivers should carry higher limits.
The next chart demonstrates why buying the state minimum limits may not be adequate coverage.
Compare rates regularly to save
When trying to cut insurance costs, it's not a good idea to buy less coverage just to save a little money. In many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. The aim is to buy enough coverage at the best cost and still be able to protect your assets.
In this article, we presented a lot of information how to find affordable Chevy Sonic insurance in Fort Worth. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the most savings is with a lesser-known regional company. They may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.
Helpful learning opportunities
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- How Much is Car Insurance for a 20 Year Old Female in Fort Worth? (FAQ)
- How Much is Car Insurance for a Jeep Grand Cherokee in Fort Worth? (FAQ)
- Who Has Cheap Car Insurance Rates for Government Employees in Fort Worth? (FAQ)
- Who Has Affordable Fort Worth Car Insurance Rates for Infrequent Drivers? (FAQ)
- What is Full Coverage? (Allstate)
- Five Mistakes to Avoid (Insurance Information Institute)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)