I can’t think of anyone who anticipates paying for car insurance, particularly when they could find better rates elsewhere. You have so many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it makes it harder to find the best rates for your vehicles.
Consumers need to compare rates occasionally because rates are variable and change quite frequently. Even if you think you had the lowest rate for Corolla coverage at your last renewal you may be paying too much now. You can search a lot of car insurance out there, but in just a couple of minutes you can learn a lot of great tips on how to lower your car insurance bill.
How to compare Fort Worth car insurance quotes
Most larger insurance companies such as GEICO, State Farm and Progressive allow you to get coverage price quotes directly from their websites. Doing online quotes is pretty painless because you just enter your personal and coverage information into the quote form. After you complete the form, the company’s rating system orders credit information and your driving record and gives you a price quote determined by many factors. Online price estimates makes comparing rates easy, but the time it takes to visit different websites and type in the same information can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible if you are searching for a lower rate.
There is a better way!
The smarter way to compare rates requires only one form that gets prices from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much easier. After sending the form, your coverage is rated and you are able to buy your choice of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The entire process can be completed in a matter of minutes and may result in a nice savings.
If you want to get comparison pricing now, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you replicate deductibles and limits identical to your current policy. This ensures you will get comparison quotes for similar insurance coverage.
Discounts for lower-cost car insurance rates
Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. Some discounts will apply at the time of purchase, but a few must be specifically requested before being credited.
- No Claim Discounts – Insureds with no claims or accidents pay much less when compared to drivers who are more careless.
- Responsible Drivers – Insureds without accidents can pay as much as 50% less for Corolla coverage compared to accident prone drivers.
- Resident Student – Older children who are attending college and don’t have a car could get you a discount.
- Anti-lock Brake Discount – Cars with anti-lock braking systems can avoid accidents so you can save 10 percent or more.
- Good Students Pay Less – Excelling in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
- Club Memberships – Having an affiliation with a civic or occupational organization in Fort Worth could qualify you for a break on car insurance.
- Military Rewards – Being deployed in the military may lower your car insurance rates slightly.
- Anti-theft System – Cars optioned with advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
- Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a driver\s education course as it will make them better drivers and lower rates.
Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, nobody gets a free ride. But any discount will lower the premium cost.
A list of companies and a summarized list of policyholder discounts are included below.
- State Farm offers discounts including anti-theft, defensive driving training, student away at school, safe vehicle, and accident-free.
- Farmers Insurance has discounts for homeowner, teen driver, distant student, multi-car, mature driver, electronic funds transfer, and youthful driver.
- GEICO policyholders can earn discounts including seat belt use, military active duty, five-year accident-free, federal employee, defensive driver, and driver training.
- American Family has savings for air bags, good student, bundled insurance, early bird, and defensive driver.
- Nationwide offers discounts for family plan, accident-free, defensive driving, easy pay, and business or organization.
- Progressive may offer discounts for continuous coverage, good student, online signing, online quote discount, and multi-policy.
If you want , ask every insurance company how many discounts you can get. Depending on the company, some discounts might not be offered in Fort Worth. If you would like to choose from a list of companies who offer online car insurance quotes in Texas, click here.
Additional Texas car insurance resources
More detailed Texas car insurance information can be found at the Texas Department of Insurance website. Visitors are able to file complaints about a company, read enforcement actions against agents and companies, and find a variety of consumer forms.
The following information may also be useful.