Tired of not being able to afford to make your car insurance payment? You have the same problem as many other Texas drivers. Companies like GEICO, Farmers Insurance and State Farm continually hit you with fancy advertisements and consumers find it hard to ignore the promise of big savings and find the best price available.
If you have insurance now or are just looking to switch companies, you can use these tips to cut your premiums and possibly find even better coverage. Buying car insurance in Fort Worth is easy if you know what you’re doing. Texas drivers only need an understanding of the best way to compare rates over the internet.
Affordable Fort Worth car insurance
Comparing car insurance rates is a ton of work if you don’t understand the most efficient way. You could spend your day driving to local insurance agents in Fort Worth, or you could use online quoting to maximize your effort.
Many companies participate in an industry program where insurance shoppers submit one quote, and each participating company provides a quote. This saves time by eliminating repetitive form submissions for every car insurance company.
To use this form to compare rates click here to start a free quote.
The only downside to comparing rates this way is you are unable to specify the companies you want pricing from. If you would rather choose specific insurance companies to compare rates, we put together a list of companies who write car insurance in Texas. Click to view list.
It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples coverage limits and deductibles on every quote. If you use unequal deductibles or liability limits it’s not possible to get a fair rate comparison in Fort Worth.
Save $384 a year? Really?
Texas consumers can’t get away from ads for the lowest price car insurance from companies such as Progressive, Allstate and GEICO. All the companies convey the message about savings if you just switch your coverage to them.
How does every company give you a lower rate? Here is how they do it.
All companies quote the lowest rates for the type of driver that will most likely be profitable. For instance, a desirable risk may need to be married and over the age of 30, carries high limits, and chooses high deductibles. Any customer who matches that profile will get the preferred auto insurance rates and therefore will cut their rates substantially.
Insureds who don’t meet these stringent criteria will get a higher premium and the customer buying from someone else. The trick companies use is to say “people that switch” not “everyone who quotes” save that much money. That’s the way insurance companies can make claims like that.
This really drives home the point why you absolutely need to compare rate quotes every year. You cannot predict the company that will have the best prices for your profile.
Pay discount rates these money-saving discounts
Car insurance can be pricey, but there’s a good chance there are discounts that you may not even be aware of. Certain discounts will be applied when you purchase, but a few must be requested specifically prior to getting the savings.
- Passive Restraints – Factory air bags can receive discounts of 20 to 30 percent.
- Discount for Home Ownership – Owning a house in Fort Worth can help you save on car insurance because of the fact that having a home requires a higher level of personal finance.
- Early Switch Discount – Select insurance companies give a discount for switching policies early. This discount can save up to 10%.
- Discounts for Government Workers – Employees or retirees of the government may qualify for a discount when you on Elantra insurance with certain companies.
- Waiver for an Accident – This one is not really a discount per se, but a few companies such as Libery Mutual, GEICO and Allstate may permit one accident before your rates go up if you have no claims for a particular time prior to the accident.
- Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class in school.
- Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, it just doesn’t work that way.
A partial list of companies that may include most of the discounts above include:
When quoting, ask each insurance company which discounts they offer. Some discounts might not be offered on policies everywhere. If you would like to see a list of companies who offer free car insurance quotes in Fort Worth, follow this link.
Compare rates but work with a local Fort Worth insurance agent
Some people just want to talk to a local agent. Professional insurance agents can help you choose the best coverages and help in the event of a claim. A nice benefit of comparing rate quotes online is you can get cheap car insurance rates but still work with a licensed agent. Buying insurance from local agents is important especially in Fort Worth.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is immediately sent to companies in Fort Worth that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to even leave your home because quoted prices will be sent instantly to you. In the event you want to quote rates from a specific car insurance provider, feel free to visit that company’s website and submit a quote form there.
How to choose the best auto insurance agent in Fort Worth
If you want a reliable insurance agency, you must know there are a couple different types of agencies and how they function. Car insurance agents can either be independent (non-captive) or captive. Either one can sell car insurance policies, but it’s worth mentioning why they differ because it can factor into buying decisions.
Independent Agents
Independent agencies are not required to write business for one company so as a result can place your coverage with many different companies and find the cheapest rate. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to switch agencies. If you are comparing car insurance prices, we recommend you check rates from at least one independent agent so that you have a good selection of quotes to compare.
Captive Agencies
These type of agents can only provide one company’s prices and examples are AAA, State Farm, Farmers Insurance, and Allstate. Captive agents are unable to compare other company’s rates so they are skilled at selling on more than just price. Captive agents are usually well trained on the products they sell which helps them sell insurance even at higher premiums.
Deciding on an insurance agency should include more criteria than just a cheap quote. The following questions are important to ask.
- Which companies do they recommend if they are an independent agency?
- Do they receive special compensation for putting your coverage with one company over another?
- How long has the business existed?
- Do they assist clients in filing claims?
- Where would glass claims be handled in Fort Worth?
Different people need different car insurance coverages
When buying coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your situation would benefit from an agent’s advice.
- What is covered by UM/UIM coverage?
- Where can I get insurance after a DUI in Texas?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- How many claims can I have before being cancelled?
- Can my teen driver be rated on a liability-only vehicle?
- Does coverage extend to a rental car in a foreign country?
- Am I covered when driving on a suspended license?
- What if I total my Hyundai Elantra and owe more than it’s worth?
- Is my business laptop covered if it gets stolen from my vehicle?
- Do I need rental car coverage?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.
Much more information about car insurance in Texas can be found on the found here. Visitors are able to learn about specific coverages, file complaints about a company, and read industry bulletins.
The articles below may also help you learn more about car insurance in Fort Worth
- Find Consumer Tested Strategies to Save on Fort Worth Car Insurance
- Car Insurance in Fort Worth 8 Discounts You Might be Forgetting
Leave no stone unturned
Cost effective Hyundai Elantra insurance is available from both online companies and also from your neighborhood Fort Worth agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not have rate quotes online and most of the time these smaller providers prefer to sell through independent insurance agencies.
We just covered a lot of techniques to get a better price on Hyundai Elantra insurance. The key concept to understand is the more you , the better chance you’ll have of finding . Consumers may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. These companies may have significantly lower auto insurance rates on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.