Compare Toyota Yaris Insurance Rate Quotes in Fort Worth

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Insurance quote for Toyota Yaris in Fort WorthIf you want to find the absolute lowest rates, then the best way to find lower priced Toyota Yaris insurance is to make a habit of comparing prices annually from providers in Fort Worth.

  1. It will benefit you to learn about policy coverages and the modifications you can make to lower rates. Many risk factors that are responsible for high rates like traffic violations and a low credit rating can be remedied by making lifestyle changes or driving safer.
  2. Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive and State Farm, while independent agents can provide rate quotes from multiple insurance companies. View prices
  3. Compare the new rates to your existing rates and see if you can save money. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.
  4. Give notification to your current company to cancel your current policy. Submit a down payment along with a signed application to the new insurer. Once received, place your new certificate of insurance with the vehicle registration.

A good tip to remember is that you'll want to make sure you compare identical coverages on every price quote and and to get price quotes from as many different companies as possible. This enables a level playing field and the best price quote selection.

It's safe to conclude that car insurance companies don't want their customers to go rate shopping. Drivers who shop around for cheaper rates will, in all likelihood, switch to a new company because there is a good chance of finding coverage at a more affordable price. A recent survey revealed that consumers who routinely compared rates saved an average of $72 a month compared to drivers who never shopped around for better prices.

If finding the cheapest price on insurance in Fort Worth is why you're reading this, then learning about how to compare cheaper coverage can help make the process easier.

If you are already insured or want to find a cheaper company, you will benefit by learning to reduce the price you pay and still have adequate protection. Locating the best insurance company for you in Fort Worth can really be easy if you know what you're doing. Comparison shoppers just need to learn the proper way to compare prices instantly.

Best companies for Toyota Yaris insurance

The companies in the list below have been selected to offer free rate quotes in Fort Worth, TX. If the list has multiple companies, it's highly recommended you get prices from several of them to get the most competitive price.

Rates and information analytics

The price information displayed below showcases estimates of insurance premium costs for Toyota Yaris models. Having knowledge of how prices are formulated can be valuable when making smart policy decisions.

Toyota Yaris Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $154 $306 $440 $26 $132 $1,058 $88
Yaris 4-Dr Hatchback $154 $306 $388 $24 $116 $988 $82
Yaris 4-Dr Sedan $154 $306 $388 $24 $116 $988 $82
Yaris S 2-Dr Hatchback $176 $306 $440 $26 $132 $1,080 $90
Yaris S 4-Dr Hatchback $176 $306 $388 $24 $116 $1,010 $84
Yaris S 4-Dr Sedan $176 $306 $388 $24 $116 $1,010 $84
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in specific location which can increase or decrease coverage rates considerably.

Analysis of deductible levels

One of the more difficult decisions when buying insurance is how high should your deductibles be. The rates below determine the costs and benefits when you buy lower versus higher comp and collision deductibles. The first data set uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Toyota Yaris insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $256 $496 $430 $26 $128 $1,361 $113
Yaris 4-Dr Hatchback $256 $496 $382 $22 $114 $1,295 $108
Yaris 4-Dr Sedan $256 $496 $382 $22 $114 $1,295 $108
Yaris S 2-Dr Hatchback $294 $496 $430 $26 $128 $1,399 $117
Yaris S 4-Dr Hatchback $294 $496 $382 $22 $114 $1,333 $111
Yaris S 4-Dr Sedan $294 $496 $382 $22 $114 $1,333 $111
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Toyota Yaris insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $208 $400 $430 $26 $128 $1,192 $99
Yaris 4-Dr Hatchback $208 $400 $382 $22 $114 $1,126 $94
Yaris 4-Dr Sedan $208 $400 $382 $22 $114 $1,126 $94
Yaris S 2-Dr Hatchback $240 $400 $430 $26 $128 $1,224 $102
Yaris S 4-Dr Hatchback $240 $400 $382 $22 $114 $1,158 $97
Yaris S 4-Dr Sedan $240 $400 $382 $22 $114 $1,158 $97
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Table data does not factor in vehicle garaging location which can modify coverage prices substantially.

We can estimate from the data above that using a $250 deductible will cost you approximately $14 more each month or $168 annually across all Toyota Yaris models than opting for the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have more than 18 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

The diagram below demonstrates how deductibles and can impact Toyota Yaris insurance rates for each different age category. The data assumes a married male driver, comp and collision included, and no discounts are applied.

Drive safe and save

The illustration below shows how violations and accident claims drive up Toyota Yaris auto insurance costs for each age group. Data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

Comparison of insurance rates by gender

The chart below compares Toyota Yaris car insurance costs for male and female drivers. The price estimates are based on no accidents or driving violations, full coverage, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

Cheap Fort Worth car insurance rates with discounts

The price of auto insurance can be rather high, but companies offer discounts that could help you make your next renewal payment. Some discounts will apply when you purchase, but lesser-known reductions have to be requested specifically before they will apply. If you are not receiving all the discounts possible, you are paying more than you should be.Car insurance discounts

  • Discounts for Safe Drivers - Accident-free drivers can get discounts for up to 45% lower rates as compared to drivers with claims.
  • Driver's Ed - Cut your cost by having your teen driver complete a driver education course in high school.
  • Student in College - Children who are enrolled in a college that is more than 100 miles from Fort Worth and leave their car at home may be insured at a cheaper rate.
  • Discount for Life Insurance - Not all companies offer life insurance, but some may give you a lower rate if you buy auto and life insurance together.
  • Defensive Driver Discounts - Passing a defensive driver class could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Low Mileage - Driving fewer miles could earn substantially lower car insurance rates.
  • Early Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Active Service Discounts - Being deployed with a military unit could be rewarded with lower car insurance rates.

Please keep in mind that most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you can get free auto insurance, you're out of luck.

The example below compares Toyota Yaris insurance prices with and without discounts being applied to the rates. The rates are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, multi-policy, safe-driver, and marriage discounts applied.

Larger car insurance companies and a partial list of their discounts include:

  • GEICO may include discounts for emergency military deployment, federal employee, military active duty, anti-theft, and anti-lock brakes.
  • MetLife has discounts for defensive driver, multi-policy, accident-free, claim-free, and good student.
  • State Farm offers premium reductions for safe vehicle, student away at school, defensive driving training, passive restraint, accident-free, and good student.
  • Progressive includes discounts for good student, online signing, multi-policy, homeowner, and continuous coverage.
  • Mercury Insurance offers discounts for accident-free, low natural disaster claims, multi-policy, age of vehicle, annual mileage, ease of repair, and good student.
  • 21st Century offers discounts including theft prevention, early bird, driver training, anti-lock brakes, student driver, teen driver, and good student.
  • Allstate discounts include resident student, 55 and retired, anti-lock brakes, passive restraint, safe driver, and premier discount.

When getting free Fort Worth car insurance quotes, it's a good idea to all the companies to give you their best rates. All car insurance discounts might not apply in Fort Worth. To locate companies that offer discounts in Fort Worth, click this link.

Get Cheaper Insurance Costs by Understanding These Factors

The best way to find cheaper auto insurance is to take a look at some of the elements that aid in calculating your auto insurance rates. If you know what controls the rates you pay, this helps enable you to make changes that may result in lower auto insurance prices. Many things are considered when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although some other factors are not as apparent like your vehicle usage or your commute time.

Use one insurance company and save - Lots of companies allow lower prices for people who consolidate policies with them. It's known as a multi-policy discount. Discounts can amount to as much as ten percent or more Even if you qualify for this discount already, consumers should still get quotes from other companies to help guarantee you have the best rates. You may still save more without the discount even if you have your coverage with different companies

Your address can impact rates - Living in smaller towns and rural areas of the country is a positive aspect when trying to find low car insurance rates. Less people means a lower chance of having an accident and lower theft and vandalism rates. People who live in big cities have to deal with congested traffic and longer commutes to work. More time behind the wheel means higher likelihood of an accident.

If you don't need it don't buy it - There are a lot of extra bells and whistles that can add up if you aren't diligent. Insurance for rental car coverage, high-cost glass coverage, and term life insurance are probably not needed. They may seem good at first, but if they're wasting money eliminate the coverages to reduce your premium.

Auto insurance claims cost money - Insurance companies in Texas give the best rates to insureds who only file infrequent claims. If you file claims often, you can look forward to much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for the large, substantial claims.

Teen drivers cost more - Drivers with little experience have a tendency to be less responsible when driving so auto insurance rates are higher. Older people tend to be more responsible, tend to cause fewer accidents, and get fewer tickets.

The next chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

Pay less with a high safety rating - Cars with high safety ratings cost less to insure. Safer cars protect occupants better and lower rates of occupant injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Toyota Yaris is rated at a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org you are probably receiving a discount.

Toyota Yaris insurance loss data - Insurance companies use statistical claims data in order to profitably underwrite each model. Models that the data shows to have higher frequency or amount of claims will cost more to insure.

The next table shows the insurance loss data used by companies for Toyota Yaris vehicles. For each coverage type, the loss probability for all vehicles, regardless of make or model, is considered to be 100. Values that are below 100 represent a good loss history, while percentage values above 100 indicate frequent claims or tendency to have larger claims.

Insurance Loss Ratings for Toyota Yaris Vehicles
Specific Toyota Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Toyota Yaris 94 88 92
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

You are unique and your auto insurance should be too

Always keep in mind that when comparing coverage online or from an agent, there is no best way to insure your cars. Every situation is different so your insurance needs to address that.Higher deductibles save money For example, these questions can aid in determining whether or not you will benefit from professional help.

  • Is my Toyota Yaris covered if I use it for business?
  • Do I have coverage if my license is suspended?
  • Are rock-chip repairs free?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How do I insure my teen driver?
  • Is my custom stereo system covered?
  • Are there companies who specialize in insuring high-risk drivers?
  • When should my teen driver be added to my policy?
  • Is my ex-spouse still covered by my policy?
  • Am I covered if I hit my neighbor's mailbox?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

Exclusive and independent insurance agencies

A small number of people would rather get professional advice from a licensed agent and we recommend doing that Agents can help you choose the best coverages and help in the event of a claim. A good thing about price shopping on the web is the fact that drivers can get the best rates and still have an agent to talk to. And supporting local agencies is still important in Fort Worth.

To help locate an agent, after submitting this short form, your information is immediately sent to agents in your area who will gladly provide quotes for your business. It makes it easy because there is no need to search for an agent since price quotes are sent to you directly. In the event you want to compare prices from one company in particular, just navigate to their website and fill out the quote form the provide.

If you are searching for an insurance agent, you should know the different types of agencies and how they can service your needs differently. Insurance agents in Fort Worth may be either exclusive or independent. Either can provide insurance policies, but it's important to know how they differ since it could factor into buying decisions.

Independent Insurance Agents

Agents of this type are not restricted to one company so they can insure your vehicles with any number of different companies and find the cheapest rate. If your premiums go up, an independent agent can move your coverage and you stay with the same agent.

When comparison shopping, you will want to get several quotes from a few independent agents to get the most accurate price comparison.

Below is a short list of independent agencies in Fort Worth that may be able to give free insurance rate quotes.

Doc Jackson Insurance Agency
3305 Miller Ave - Fort Worth, TX 76119 - (817) 535-5000 - View Map


2929 Cleburne Rd - Fort Worth, TX 76110 - (817) 922-8031 - View Map


6000 Western Pl #100 - Fort Worth, TX 76107 - (817) 335-3400 - View Map

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Exclusive Agents

Agents in the exclusive channel generally can only insure with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to shop your coverage around so always compare other rates. Exclusive agents are well trained in insurance sales which aids in selling service over price.

Listed below are Fort Worth exclusive insurance agencies who can help you get price quote information.


4947 S Hulen St - Fort Worth, TX 76132 - (817) 737-8311 - View Map


2606 S Cherry Ln - Fort Worth, TX 76116 - (817) 560-3344 - View Map


8651 John T White Rd #103 - Fort Worth, TX 76120 - (817) 795-1196 - View Map

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Picking a insurance agency should include more criteria than just the price. The questions below may impact your decision as well.

  • Is assistance available after office hours?
  • Will high miles depreciate repair valuations?
  • How does the company pay claims for a total loss?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Will one accident increase rates?
  • If independent agents, which companies do they recommend?
  • Can glass repairs be made at your home?

After receiving positive feedback to all your questions in addition to an acceptable price estimate, you've probably found an insurance agency that will service your policy. Just be aware that policyholders can cancel your policy at any point so never feel that you're stuck with any particular company for the full policy term.

Find cheap rates by being thorough

We just presented some good ideas how to save on Toyota Yaris insurance in Fort Worth. It's most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced auto insurance comes from the smaller companies. They may often insure only within specific states and give better rates than the large multi-state companies such as Progressive or GEICO.

Lower-priced auto insurance in Fort Worth can be bought on the web in addition to many Fort Worth insurance agents, so get free Fort Worth car insurance quotes from both of them in order to have the best price selection to choose from. Some companies do not provide the ability to get quotes online and many times these small insurance companies provide coverage only through local independent agents.

To learn more, link through to the resources below: