There isn’t a single person who likes having to buy auto insurance, especially when they are aware that their premiums are through the roof. Big companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with ads and it is difficult to separate fact from fiction and effectively compare rates to find the best deal.
More affordable rates with discounts
Insurance can cost an arm and a leg, but you may be missing some discounts to cut the cost considerably. Some of these disounts will be visible when you purchase, but some may not be applied and must be inquired about prior to getting the savings. If you’re not getting every credit available, you could be saving more on your auto insurance.
- Safety Course Discount – Passing a course teaching defensive driver skills is a good idea and can lower rates and also improve your driving technique.
- Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
- Service Members Pay Less – Having a family member in the military could mean lower prices.
- Good Driver Discounts – Insureds without accidents can pay as much as 50% less for Patriot insurance than drivers with accident claims.
- Early Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can avoid the installment charge.
- Anti-lock Brakes – Cars and trucks with ABS and/or traction control prevent accidents and therefore earn up to a 10% discount.
- Drivers Education – Require your teen driver to enroll and complete driver’s education as it will make them better drivers and lower rates.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like comp or med pay. Despite the appearance that you could get a free auto insurance policy, you’re out of luck. Any amount of discount will definitely reduce your overall premium however.
If you would like to view insurance companies that offer multiple discounts in Fort Worth, click here to view.
How to compare auto insurance quotes in Fort Worth, TX
Most companies provide price estimates on their websites. Doing online price comparisons doesn’t take a lot of time as you just type in the coverages you want as detailed in the form. Once entered, their system automatically retrieves information on your driving record and credit history and returns a price quote determined by many factors. Online price quotes makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively type in the same information gets old quite quickly. But it’s necessary to do this if you are searching for the best price possible.
The smarter way to get multiple rate quotes uses one form that analyzes rates from multiple companies. It’s a real time-saver, requires less work, and makes online price comparison much more efficient. As soon as the form is sent, your coverage is rated and you can select your choice of the quote results. If a lower price is quoted, you can click and sign and purchase the new policy. It takes 15 minutes at the most and can result in significant savings.
If you want to use this form to compare rates, click here and complete the simple form. If you currently have coverage, we recommend you input the insurance coverages identical to your current policy. This makes sure you will be getting rate comparison quotes using the same coverage and limits.
Why Your Insurance Prices might be higher
Many different elements are taken into consideration when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although others are less obvious such as whether you are married or your vehicle rating. 
The itemized list below are some of the things that factor into rates.
- Lower premiums with GPS tracking and theft deterrents – Choosing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your car from being stolen.
- Premiums increase with driving tickets – Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers have lower premiums than bad drivers. Only having one driving citation could increase your next policy renewal substantially. Drivers who have received license-revoking violations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to submit a SR-22 form with their state’s licensing department in order to legally drive a vehicle.
- A lauto insurance policy lapse is a bad thing – Allowing your auto insurance policy to lapse is a quick way to drive up your policy premiums. In addition to paying higher rates, being ticketed for driving with no insurance may result in a license revocation or jail time. You may need to provide proof of insurance in the form of an SR-22 filing with the Texas DMV.
- Car plus home equals more savings – Most larger companies will award a discount for people that buy multiple policies. It’s known as a multi-policy discount. Even with this discount applied, drivers will still want to compare other insurance prices to ensure the best deal.There is a chance you can find a better deal by buying from different companies
Get rate quotes or from auto insurance agents
Certain consumers just want to talk to a local agent and we recommend doing that Good insurance agents are trained risk managers and give you someone to call. A good thing about getting free rate quotes online is that drivers can save money and get cheaper rates and still have an agent to talk to.
For easy comparison, once you complete this quick form, your information is emailed to insurance agents in Fort Worth who can give free rate quotes for your auto insurance coverage. You don’t have to contact any agents since price quotes are sent to you instantly. If for some reason you want to compare prices from a specific insurance company, feel free to go to their quote page and fill out the quote form the provide.
Selecting an insurance company needs to be determined by more than just a cheap price quote. These are some valid questions you should ask.
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is the agency covered by Errors and Omissions coverage?
- Who are their largest clients?
- Will you work with the agent or an assistant?
- Are they full-time agents?
- Did they already check your driving record and credit reports?
- Do you qualify for any additional discounts?
To help you locate a licensed insurance agent near you, you may want to link to this full listing of Fort Worth insurance agents.
Save 15 percent in 15 minutes? Is it for real?
Consumers can’t avoid all the ads for cheaper auto insurance from the likes of State Farm, GEICO and Progressive. All the ads have a common claim about saving some big amount just by switching your auto insurance coverage to their company.
How is it possible that every company can have lower policy pricing? This is how they do it.
Most companies give the best rates for the type of driver that will add to their bottom line. For example, this type of driver may be between the ages of 30 and 50, owns their home, and drives a car with an anti-theft system. Any customer that fits those parameters receive the lowest rate quotes and most likely will cut their rates if they switch.
Potential customers who cannot meet the requirements will be quoted higher premium rates and this results in the customer not purchasing. The ads state “people who switch” not “all people who quote” save that kind of money. That is how insurance companies can confidently make claims like that. This really drives home the point why you should get a wide range of price quotes. Because without a comparison, you cannot know the company that will have the best rates at this point in time.
Final considerations
In this article, we presented some good ideas how to save on Jeep Patriot insurance. The most important thing to understand is the more providers you compare, the better likelihood of getting . Consumers may even find the lowest priced auto insurance comes from the smaller companies. Smaller companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive or GEICO.
As you , it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where an insured cut liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage for the lowest cost while not skimping on critical coverages.
Consumer auto insurance information in Texas
Additional detailed information is available at the Texas Department of Insurance website. Consumers can read consumer alerts, view a list of available companies, learn about insurance regulations, and read industry bulletins.
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