Finding low-cost insurance for a Subaru BRZ in Texas can normally be a lot of work, but you can learn these tips and make it easy.
There are both good and bad ways to find auto insurance online and we'll show you the quickest way to compare rates for a Subaru and get the lowest price either online or from Fort Worth insurance agents.
Obtaining price quotes for the best-priced coverage in Fort Worth is easy to do. If you have insurance now or just want to reduce your rates, you can follow these tips to find better prices while maximizing coverage. Vehicle owners just need to know the quickest method to compare company rates from multiple carriers.
Insurance policy discounts for Subaru BRZ insurance in Fort Worth
Auto insurance companies don't necessarily list all available discounts in an easy-to-find place, so the list below contains some of the best known in addition to some of the lesser obvious discounts that may be available.
- Government Employee Discount - Federal government employees could cut as much as 10% off depending on your insurance provider.
- Fort Worth Homeowners Discount - Owning your own home or condo can get you a discount because owning a home is proof of financial responsibility.
- Distant Student Discount - Any of your kids who attend college more than 100 miles from Fort Worth and leave their car at home can be insured at a reduced rate.
- Discount for Life Insurance - If the company offers life insurance, you could get a lower rate if you buy life insurance from them.
- Early Signing - Some companies reward drivers for buying a new policy prior to your current BRZ insurance policy expiring. It could save around 10% when you buy Fort Worth auto insurance online.
- Drive Safe and Save - Drivers without accidents can pay as much as 50% less than their less cautious counterparts.
- Online Discount - A handful of larger companies will give a small break for buying your policy on their website.
- Buy New and Save - Buying a new car instead of a used BRZ can cost up to 25% less compared to insuring an older model.
- No Charge for an Accident - Not necessarily a discount, but certain companies will let one accident slide before raising your premiums with the catch being you have to be claim-free prior to the accident.
- Multi-Vehicle Discounts - Drivers who insure all your vehicles on one policy can reduce the rates for all insured vehicles.
It's important to understand that some of the credits will not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, it just doesn't work that way. Any amount of discount should definitely cut your policy premium.
A list of companies and a partial list of their discounts can be read below.
- American Family discounts include defensive driver, bundled insurance, air bags, Steer into Savings, early bird, and TimeAway discount.
- Nationwide may include discounts for anti-theft, easy pay, good student, multi-policy, defensive driving, and Farm Bureau membership.
- MetLife may have discounts that include defensive driver, accident-free, claim-free, good student, multi-policy, good driver
- 21st Century offers premium reductions for homeowners, student driver, early bird, theft prevention, air bags, anti-lock brakes, and good student.
- Farmers Insurance includes discounts for alternative fuel, homeowner, switch companies, business and professional, mature driver, early shopping, and good student.
- Allstate policyholders can earn discounts including early signing, resident student, farm vehicle, utility vehicle, 55 and retired, eSmart discount, and teenSMART discount.
If you are trying to find low cost Fort Worth auto insurance quotes, ask each company how many discounts you can get. A few discounts may not apply to policies in Fort Worth. To choose providers that offer discounts in Texas, click this link.
Most major insurance companies like 21st Century, Allstate and State Farm allow you to get pricing from their websites. Getting online quotes for Subaru BRZ insurance in Fort Worth is pretty painless as all you need to do is type in your required coverages into the form. After you submit the form their rating system obtains your credit score and driving record and returns pricing information based on these factors.
This streamlines rate comparisons, and it is imperative to perform this step if you are searching for the most affordable car insurance rates.
In order to find out how much you're overpaying now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you enter the coverage information exactly as they are listed on your policy. This helps ensure you will receive an apples-to-apples comparison based on the exact same insurance coverage.
The following companies are our best choices to provide comparison quotes in Texas. If several companies are displayed, we suggest you visit several of them in order to get a fair rate comparison.
Do I need an agent?
Some consumers still like to sit down and talk to an agent and that is a smart decision Most agents can help you choose the best coverages and help submit paperwork. A nice benefit of price shopping on the web is you can get lower rates and still have an agent to talk to. And supporting local agents is especially important in Fort Worth.
For easy comparison, once you complete this short form, your insurance coverage information gets sent to insurance agents in Fort Worth who can give free rate quotes for your insurance coverage. You won't even need to visit any agencies because prices are sent immediately to you. If you wish to get a comparison quote from a specific insurance company, you can always find their quoting web page and fill out the quote form the provide.
If you would like to find a local Fort Worth insurance agency, it's important to understand the different types of agents to choose from. Insurance agencies in Fort Worth can either be exclusive or independent (non-exclusive). Both can write insurance policies, but it's good to learn the difference in the companies they write for since it can impact the kind of agent you use.
Independent Insurance Agencies
Agents that choose to be independent often have many company appointments and that enables them to quote your coverage with any number of different companies and help determine which has the cheapest rates. If your premiums go up, your policy is moved internally which requires no work on your part. If you are comparing insurance prices, it's recommended you check rates from a couple of independent agencies so that you can do a thorough price comparison. They often place coverage with smaller regional carriers that may have much lower rates than larger companies.
Listed below is a partial list of independent agencies in Fort Worth that may be able to provide cheap rate quotes.
- Nationwide Insurance: The Jeter Agency
6650 N Beach St Ste 118 - Fort Worth, TX 76137 - (817) 788-8620 - View Map
- Nationwide Insurance: The Hulett Agency Inc
11751 Alta Vista Rd Ste 401 - Fort Worth, TX 76244 - (817) 533-8027 - View Map
- Alberta Blocker Insurance Agency
3304 Swan St - Fort Worth, TX 76117 - (817) 335-3400 - View Map
Agents that elect to be exclusive can only provide pricing for a single company like Farmers Insurance, American Family, State Farm and Allstate. They generally cannot compare rates from other companies so you might not find the best rates. Exclusive agents are very knowledgeable on their company's products which helps overcome the inability to quote other rates. Drivers often buy insurance from these agents partially due to the prominence of the brand instead of buying on price only.
Shown below are exclusive insurance agencies in Fort Worth that can give you price quote information.
- Elitha Moses - State Farm Insurance Agent
6620 Meadowbrook Dr - Fort Worth, TX 76112 - (817) 446-0065 - View Map
- Farmers Insurance - Robert Lee
908 W Berry St b - Fort Worth, TX 76110 - (817) 923-0555 - View Map
- Marty Melton - State Farm Insurance Agent
5250 McCart Ave - Fort Worth, TX 76115 - (817) 924-2424 - View Map
Finding the right insurance agent should include more criteria than just the bottom line cost. The following questions are important to ask.
- How much experience to they have in personal lines coverages?
- What will you get paid if your car is a total loss? How is that amount determined?
- How often do they review coverages?
- Which insurance companies are they affiliated with?
- Does the agent help file claims?
- Are there any discounts for paying up front?
Insurance does more than just protect your car
Despite the high cost of buying insurance for a Subaru BRZ in Fort Worth, buying insurance may be required for several reasons.
First, the majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability coverage 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 your BRZ has a loan, it's most likely the lender will stipulate that you buy insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank may insure your Subaru at a much higher rate and make you pay much more than you were paying before.
Third, insurance protects not only your car but also your assets. Insurance will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of carrying enough insurance outweigh the cost, particularly if you ever have a claim. But the average American driver is overpaying over $810 a year so you should quote and compare rates each time the policy renews to save money.
Insurance coverage breakdown
Learning about specific coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.
This coverage can cover damage that occurs to other's property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 30/60/25 that means you have $30,000 in coverage for each person's injuries, a total of $60,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability can pay for claims like medical expenses, structural damage, pain and suffering and attorney fees. How much coverage you buy is up to you, but consider buying as large an amount as possible. Texas state law requires minimum liability limits of 30/60/25 but you should think about purchasing more liability than the minimum.
The next chart demonstrates why buying minimum limits may not be enough.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Subaru BRZ.
Since a lot of drivers only carry the minimum required liability limits (Texas limits are 30/60/25), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are identical to your policy's liability coverage.
This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as driving through your garage door, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to bump up the deductible on your BRZ to save money on collision insurance.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as prosthetic devices, EMT expenses, dental work and surgery. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as theft, damage from getting keyed, hitting a bird, damage from a tornado or hurricane and vandalism. The most you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Shop smart and save
Discount Subaru BRZ insurance in Fort Worth can be bought online in addition to local insurance agencies, so you need to quote Fort Worth auto insurance with both in order to have the best price selection to choose from. Some auto insurance companies don't offer price quotes online and most of the time these regional insurance providers sell through local independent agencies.
Consumers leave their current company for many reasons like delays in paying claims, questionable increases in premium, policy cancellation or being labeled a high risk driver. Whatever your reason, finding the right auto insurance provider can be easier than you think.
When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice physical damage coverage and found out when filing a claim that it was a big mistake. The goal is to get the best coverage possible at the best possible price and still be able to protect your assets.
How to find discount Subaru BRZ insurance in Fort Worth
To save the most money, the best way to get low-cost Subaru BRZ insurance in Fort Worth is to make a habit of comparing prices annually from insurers who provide car insurance in Texas.
Step 1: Try to learn a little about what coverages are included in your policy and the factors you can control to prevent expensive coverage. Many factors that cause high rates like traffic tickets, fender benders, and an unacceptable credit rating can be remedied by making minor changes to your lifestyle.
Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO and State Farm, while independent agencies can provide price quotes for a wide range of companies.
Step 3: Compare the quotes to your existing rates to determine if you can save on BRZ insurance. If you find better rates and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Notify your agent or company of your intent to cancel your current coverage. Submit the required down payment along with the signed application for the new policy. As soon as coverage is bound, place the new certificate verifying coverage with the vehicle registration.
One key aspect when comparing rates is to make sure you enter identical limits and deductibles on each quote and and to get prices from as many auto insurance providers as possible. Doing this helps ensure an accurate price comparison and a complete rate analysis.
Other learning opportunities
- Teen Driving Statistics (iihs.org)
- Who Has the Cheapest Fort Worth Auto Insurance for a Kia Optima? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)
- Auto Crash Statistics (Insurance Information Institute)
- Five Mistakes to Avoid (Insurance Information Institute)