Sick and tired of trying to scrape together enough money to pay high car insurance rates every month? Your situation is no different than many other consumers in Texas. Many insurers compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to get the lowest rate possible.
Consumers should take time to compare premium rates every six months because car insurance rates change quite often. Despite the fact that you may have had the best rate on E150 Econoline van coverage last year you will most likely find a better price today. Forget all the misinformation about car insurance because you’re going to get a crash course in one of the easiest ways to find better rates and still maintain coverage.
Getting cheap car insurance pricing is surprisingly easy. Drivers just need to take a few minutes comparing to find the company with . Price comparisons can be done using a couple different methods.
- Hands down the most simple method consumers can make multiple comparisons is a comparison rater form click to view form in new window. This style of form saves time by eliminating repetitive form entry for every prospective company. One simple form will get you price quotes from car insurance companies with the best prices.
- A different way to analyze rates is spending the time to visit each company website and get a separate price quote. For examples sake, let’s say you need rates from Progressive, Esurance and Allstate. To find out each rate you need to visit each site and enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in Fort Worth, click here.
It doesn’t matter which method you choose, just make sure you use identical coverage limits and deductibles for each comparison quote. If you compare differing limits it will be impossible to make an equal comparison in Fort Worth.
Car insurance quotes and discounts
Car insurance is not cheap, but you might be missing out on some discounts that can drop the cost substantially. Many discounts should be triggered when you purchase, but a few must be manually applied before you get the savings. If you are not receiving all the discounts possible, you are just wasting money.
- Safety Course Discount – Taking part in a class that teaches defensive driver techniques could earn you a small percentage discount if your company offers it.
- Multi-car Discount – Purchasing coverage when you have all your vehicles on the same car insurance policy qualifies for this discount.
- Good Student – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
- Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for newer models.
- Accident-Free Discounts – Good drivers with no accidents are rewarded with significantly better rates on when compared with frequent claim filers.
- Student in College – Any of your kids who are enrolled in higher education away from home and do not have a car may qualify for this discount.
- Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems may get savings of up to 25% or more.
- Drivers Education – Have your child successfully complete driver’s ed class if it’s offered in school.
A quick disclaimer, some credits don’t apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think you can get free auto insurance, insurance companies wouldn’t stay in business.
A few companies that may include most of the discounts above possibly include:
When comparing rates, check with all companies you are considering which discounts you qualify for. Savings may not apply to policyholders in Fort Worth. 
Learn How to Lower Your Insurance Costs
Many things are used when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, but other criteria are less apparent such as your marital status or your commute time.
- The type of vehicle makes a difference – The performance of the car, truck or SUV you drive makes a big difference in your car insurance bill. Since the Ford E150 Econoline Van is classified as a van and minivan, insuring your vehicle will cost similar in price than the average rate where you live in Fort Worth. The lowest performance passenger vehicles generally have the cheapest insurance rates, but many other things help determine your insurance rates.
- Driving citations hurt – Having a single citation may cause rates to rise twenty percent or more. Attentive drivers pay lower auto insurance prices compared to bad drivers. Drivers unfortunate enough to have dangerous violations like DUI, reckless driving or excessive speeding may be required to submit a SR-22 form with their state’s licensing department in order to keep their license.
- Annual mileage and car insurance rates – The more miles you rack up on your Ford in a year the more you will pay for car insurance. A lot of companies calculate prices based upon how much you drive. Cars that are left in the garage receive better premium rates compared to those used for work or business. Double check that your car insurance policy reflects the right rating data, because it can save money. Incorrect rating for your E150 Econoline Van can result in significantly higher rates.
- Discounts for theft deterrents – Buying a car with a theft deterrent system can help lower your premiums. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all help prevent auto theft and help lower rates.
- Older drivers save more – Young drivers in Texas are known to be less responsible behind the wheel therefore car insurance rates are much higher. Older, more experienced drivers are viewed as being more responsible, tend to file fewer claims and tend to be get fewer driving tickets.
- Compare rates if you bundle your policies – Lots of insurers allow better rates to insureds that buy multiple policies. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to compare other insurance prices to help guarantee you have the best rates. You may still be able to save more without the discount by splitting coverages up.
Situations that may require an agent’s advice
When it comes to buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether you will benefit from professional help.
- Are all vehicle passengers covered by medical payments coverage?
- Is my babysitter covered when using my vehicle?
- Is pleasure use cheaper than using my Ford E150 Econoline Van to commute?
- Do I need special endorsements for business use of my vehicle?
- What vehicles should carry emergency assistance coverage?
- How do I file an SR-22 for a DUI in Texas?
- Is my custom paint covered by insurance?
- When should I remove comp and collision on my Ford E150 Econoline Van?
If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
Additional car insurance information can be found on the Texas Department of Insurance website. Click here for link. Texas drivers can discover disciplinary actions, file complaints about a company, download brochures, and report car insurance fraud.
More related Fort Worth car insurance information:
- Easy Techniques to Cut Costs on Fort Worth Texas Auto Insurance
- Best 10 Methods to Save on Car Insurance in Fort Worth
- Best Pricing for Fort Worth Car Insurance Providers
Advertising myths
Consumers in Texas can’t avoid all the ads that claim the best rates from companies such as Allstate and Progressive. They all tend to make the same promise of big savings if you get a free and switch your policy.
It sounds good, but how can they all cost less than your current company? It’s all in the wording.
Most companies look for specific characteristics for the type of driver that is profitable for them. For example, a profitable customer may need to be between the ages of 30 and 50, carries high limits, and drives less than 5,000 miles a year. A customer getting a price quote who matches those parameters will get the preferred rates and will probably save quite a bit of money when switching.
Potential customers who don’t qualify for those criteria will be charged higher premiums which usually ends up with the customer buying from a different company. The trick is to say “customers that switch” not “everybody who quotes” save money. That’s the way companies can truthfully make those statements.
Because each company has a different risk profile, drivers must get price quotes at each policy renewal. Because without a comparison, you cannot know with any certainty which company will provide the lowest prices.
Leave no stone unturned
Lower-priced Ford E150 Econoline Van insurance can be sourced online in addition to local insurance agencies, so you need to with both in order to have the best chance of saving money. Some companies don’t offer rates over the internet and most of the time these smaller providers work with independent agencies.
When getting , don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your objective should be to buy the best coverage you can find for the lowest cost, not the least amount of coverage.