To save the most money, the best way to get affordable auto insurance rates is to regularly compare quotes from providers in Fort Worth.
Step 1: Spend some time learning about auto insurance and the things you can change to drop your rates. Many policy risk factors that result in higher rates such as traffic tickets, fender benders, and an imperfect credit score can be controlled by making minor changes to your lifestyle. Continue reading for the details to get cheaper rates and get discounts that may be overlooked.
Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive and State Farm, while independent agents can give you price quotes from multiple companies.
Step 3: Compare the new quotes to your existing policy and see if there is a cheaper rate. If you can save money and change companies, make sure there is no lapse in coverage.
Step 4: Notify your company or agent to cancel your current car insurance policy. Submit the completed application along with a down payment for the new policy. Be sure to put the certificate of insurance in your vehicle’s glove compartment or console.
The key thing to know about shopping around is that you’ll want to make sure you compare the same amount of coverage on each quote request and and to get rate quotes from as many companies as you can. Doing this guarantees the most accurate price comparison and a complete selection of prices.
Shocking but true, almost 70% of insureds in Texas have remained with the same car insurance company for at least four years, and roughly 40% of drivers have never even shopped around for lower-cost coverage. American insurance shoppers could save an average of $859 each year by just comparing quotes, but they won’t spend time to compare rates.
If you have a current car insurance policy, you will most likely be able to find the best rates using these tips. Finding the cheapest car insurance coverage in Fort Worth is not rocket science. Nevertheless, Texas drivers do need to understand how the larger insurance companies charge you for coverage because it can help you find the best coverage.
All major car insurance companies like Progressive, Allstate and GEICO allow consumers to get coverage prices on the web. Getting online quotes for Honda Clarity insurance in Fort Worth doesn’t take a lot of time as all you need to do is type in the coverages you want into the form. Once entered, their system gets your driving record and credit report and generates pricing information based on the data you entered. Getting online quotes for Honda Clarity insurance in Fort Worth simplifies rate comparisons, and it’s absolutely necessary to perform this step if you want to find the cheapest possible prices on car insurance.
To save time and fill out one form to compare multiple rates now, check out the car insurance providers below. To compare your current rates, we recommend you type in your coverages as shown on your current policy. Doing this guarantees you will have an apples-to-apples comparison based on identical coverages.
The auto insurance companies shown below provide free rate quotes in Texas. If multiple providers are shown, we recommend you visit as many as you can in order to find the most competitive rates.
These discounts can lower your car insurance rates
Car insurance is neither fun to buy or cheap, but there could be available discounts that may help make it more affordable. Some discounts will apply when you get a quote, but a few must be requested specifically before you will receive the discount. If they aren’t giving you every credit possible, you could be saving more on your car insurance.
- Accident Free – Claim-free drivers can earn big discounts as opposed to accident-prone drivers.
- More Vehicles More Savings – Purchasing coverage when you have multiple vehicles on one policy can reduce the rates for all insured vehicles.
- Discount for New Cars – Putting car insurance coverage on a new Clarity may earn a small discount because new model year vehicles keep occupants safer.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
- Theft Prevention System – Vehicles that have factory anti-theft systems are stolen less frequently so companies will give you a small discount.
- Mature Driver Discount – Mature drivers could receive a slight reduction on a Fort Worth car insurance quote.
- Sign Early and Save – Some car insurance companies provide a discount for buying a policy before your current expiration date. It can save you around 10%.
- Sign Online – Some of the larger companies will give a small break for buying a policy and signing up online.
- Good Grades Discount – Being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
- Policy Bundle Discount – If you can combine your auto and homeowners policy with one insurance company you may earn 10% to 20% off each policy.
Keep in mind that most discounts do not apply to the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, you’re out of luck.
To view companies that offer many of these discounts in Texas, click here to view.
Compare rates but still have a neighborhood Fort Worth auto insurance agent
Many drivers would prefer to get advice from a local agent and that is a personal choice. A good thing about comparing insurance prices online is the fact that you can find cheaper premium rates and still have an agent to talk to. And buying from local insurance agents is still important in Fort Worth.
To make it easy to find an agent, after completing this quick form, the coverage information is transmitted to local insurance agents that give free quotes for your car insurance coverage. There is no need to find an agent since price quotes are sent to you instantly. You can find lower rates and an insurance agent to talk to. If you wish to compare rates from a specific car insurance provider, you just need to go to their quote page and submit a quote form there.
When looking for a good insurance agency, you need to know there are two types of insurance agents and how they can quote your rates. Car insurance agents may be either independent (non-exclusive) or exclusive.
Independent Agents (or Brokers)
Agents that choose to be independent are appointed with more than one company and that is an advantage because they can write policies through lots of different companies and find the cheapest car insurance rates. If they quote lower rates, they simply move your policy to a different company and the insured can keep the same agent. When shopping rates, you absolutely need to compare quotes from at a minimum one independent agency in order to have the best price comparison.
Below is a list of independent insurance agents in Fort Worth that can give you free car insurance quotes.
Exclusive Car Insurance Agencies
These agents can only place business with one company such as American Family, State Farm, and AAA. These agents are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive agents are very knowledgeable on their products and sales techniques which helps them sell on service rather than price.
Below are Fort Worth exclusive insurance agents who can help you get comparison quotes.
Finding a good car insurance agent needs to be determined by more than just a low price. Agents should be asked these questions:
- Can they help ensure a fair claim settlement?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- How long has their agency been in business in Fort Worth?
- Is working in the agency their full-time job?
- Do they offer accident forgiveness?
Learn How to Buy Car Insurance for Less
Many things are considered when quoting car insurance. Some of the criteria are obvious such as your driving history, although some other factors are less obvious such as your credit history and annual miles driven. Part of the car insurance buying process is learning a few of the rating criteria that are used to determine car insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in big savings.
Listed below are some of the factors used by insurance companies to determine your rates.
Prevent car insurance policy lapses – Driving any period of time without insurance is a misdemeanor and any future policy may cost more because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, getting caught without coverage may earn you a steep fine or even jail time. You may need to provide proof of insurance in the form of an SR-22 filing with the Texas DMV.
Big city or small town – Being located in small towns and rural areas can be a good thing if you are looking for the lowest rates. Less people means a lower chance of having an accident in addition to fewer liability claims. People who live in big cities have to deal with more road rage incidents and much longer commute distances. Spending more time driving means more chances of being involved in an auto accident.
How much liability do you need? – Your car insurance policy’s liability coverage will afford coverage if ever you are found to be at fault for personal injury or accident damage. It provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap compared to physical damage coverage, so do not cut corners here.
Employer stress can affect rates – Careers such as judges, airline pilots, and financial analysts tend to have higher average rates due to intense work requirements and lengthy work days. Conversely, careers such as professors, students and retirees get better rates.
Why you need car insurance
Despite the high cost of buying insurance for a Honda Clarity in Fort Worth, insurance is required for several reasons.
First, almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability protection if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your vehicle with a loan, almost every bank will require you to carry insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank may insure your Honda at a much higher rate and force you to pay much more than you were paying before.
Third, car insurance preserves your car and your assets. It also can pay for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, will also pay to defend you if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of buying car insurance more than cancel out the cost, specifically if you ever have a liability claim. The average driver in America is wasting up to $865 each year so it’s recommended you shop around at every policy renewal to save money.
Don’t give up on cheap coverage
Cheaper insurance in Fort Worth is possible from both online companies as well as from independent agents in Fort Worth, and you should compare rates from both to have the best rate selection. Some insurance companies do not offer online rate quotes and these regional insurance providers only sell coverage through independent agents.
You just learned a lot of information how to lower your Honda Clarity insurance prices in Fort Worth. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with the least-expected company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.
Additional detailed information can be found by following these links:
- Information for Teen Drivers (GEICO)
- Who Has the Cheapest Auto Insurance Rates for College Graduates in Fort Worth? (FAQ)
- Who Has Affordable Fort Worth Car Insurance Rates for a Toyota Corolla? (FAQ)
- How Much is Fort Worth Car Insurance for a Hyundai Elantra? (FAQ)
- Who Has Cheap Fort Worth Car Insurance for Hybrid Vehicles? (FAQ)
- Who Has Cheap Fort Worth Auto Insurance After a Speeding Ticket? (FAQ)
- How Much is Auto Insurance for Inexperienced Drivers in Fort Worth? (FAQ)
- Distracted Driving Statistics (Insurance Information Institute)
- Senior Drivers (Insurance Information Institute)