Are you kicking yourself for buying an expensive auto insurance policy? Believe me when I say there are many Fort Worth consumers feeling the pinch from expensive auto insurance. Big-name insurance companies like State Farm, GEICO and Farmers Insurance increase brand awareness with TV and radio ads and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.
You need to check auto insurance prices on a regular basis because auto insurance prices are variable and change quite frequently. Despite the fact that you may have had the best rates on Accord insurance a year ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the fastest and easiest way to find better coverage at a better price.
Discount Fort Worth auto insurance rates
Some companies don’t list all available discounts very clearly, so below is a list both the well known and also the more inconspicuous ways to save on auto insurance.
- Multiple Vehicles – Drivers who insure all your vehicles with the same company qualifies for this discount.
- Telematics Discount – Drivers that enable companies to scrutinize their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they exhibit good driving behavior.
- Discounts for Government Workers – Active or former government employment could qualify for a slight premium decrease on Accord insurance with some auto insurance companies.
- Seat Belt Discounts – Requiring all passengers to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
- Service Members Pay Less – Being on active duty in the military could mean lower prices.
- Low Mileage Discounts – Maintaining low annual mileage may allow you to get substantially lower auto insurancerates.
You can save money using discounts, but most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think it’s possible to get free car insurance, you’re out of luck.
Popular auto insurance companies and some of their more popular discounts include:
- State Farm includes discounts for anti-theft, driver’s education, multiple autos, multiple policy, Drive Safe & Save, Steer Clear safe driver discount, and good driver.
- American Family offers discounts for bundled insurance, accident-free, good student, early bird, and TimeAway discount.
- AAA discounts include multi-policy, anti-theft, good student, AAA membership discount, education and occupation, and pay-in-full.
- GEICO has savings for good student, emergency military deployment, membership and employees, air bags, daytime running lights, and seat belt use.
- Mercury Insurance may include discounts for multi-policy, multi-car, accident-free, good driver, good student, low natural disaster claims, and location of vehicle.
- Farmers Insurance may offer discounts for homeowner, teen driver, multi-car, pay in full, mature driver, and distant student.
- Progressive offers discounts including multi-vehicle, homeowner, multi-policy, good student, and online quote discount.
When getting a coverage quote, ask every insurance company which discounts you qualify for. A few discounts might not be available to policyholders everywhere. To see insurance companies that provide some of the discounts listed above in Texas, click here to view.
Lower Insurance Rates with These Tips
Many things are part of the equation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but other factors are more transparent like your vehicle usage or your vehicle rating. Smart consumers have a good feel for the factors that go into determining the level of your policy premiums. If you understand what influences your rates, this helps enable you to make changes that can help you get lower auto insurance prices.
- Vehicle options that cut prices – Buying a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart vehicle theft.
- Liability coverage limits should be high – Your policy’s liability coverage is the coverage that protects you when you are responsible for physical damage or personal injury to other. Liability insurance provides legal defense up to the limits shown on your policy. It is affordable coverage compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
- An active claims history can cost you more – Car insurance companies in Texas award better rates to insureds that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can look forward to either policy cancellation or increased premiums. Insurance coverage is intended for the large, substantial claims.
- Extra coverages can cost a lot – There are quite a few extra add-on coverages that may not really be needed if you don’t pay attention. Coverages like roadside assistance, towing coverage, and membership fees are probably not needed. They may sound like good ideas when talking to your agent, but now you might not need them so eliminate them to save money.
- Cheaper rates by consolidating – Some auto insurance companies give a discount to buyers that have more than one policy, otherwise known as a multi-policy discount. Discounts can be five, ten or even twenty percent. If you currently are using one company, it’s in your best interest to compare other insurance prices to guarantee you are still saving the most.
- Annual mileage and car insurance prices – The higher the miles on your Honda in a year’s time the more you’ll pay to insure your vehicle. Many insurance companies apply a rate based upon how you use the vehicle. Cars that are left in the garage receive better premium rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your auto insurance policy properly reflects the correct usage for each vehicle. Incorrect rating for your Accord is just wasting money.
- Auto insurance rates and your job – Do you have a high-stress occupation? Careers like military personnel, executives and financial analysts usually pay higher rates than the rest of us due to intense work requirements and lots of time spent at work. Conversely, careers like actors, historians and homemakers receive lower rates on Accord insurance.
- Accidents will cost you – Good drivers pay less for auto insurance as compared to careless drivers. Getting just one citation can increase rates twenty percent or more. Drivers who have received serious violations such as reckless driving, hit and run or driving under the influence might be required by their state to maintain a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
Does auto insurance advertising bend the truth?
Consumers can’t get away from all the ads that claim the best car insurance rates from companies such as Allstate, GEICO and Progressive. They all make an identical promise about how much you will save if you move to their company.
It sounds good, but how can they all sell you cheaper insurance coverage? It’s all in how they say it.
All the different companies have a preferred profile for the type of customer that will not have excessive claims. One example of a profitable insured might be between the ages of 40 and 55, carries high limits, and the vehicle is rated for pleasure use. Any customer who fits those characteristics receives the best prices and will probably cut their rates if they switch.
Insureds who do not meet the requirements may be required to pay higher premium rates which results in the driver buying from a lower-cost company. The ads say “customers who switch” not “all people who quote” save that much. That is how companies can truthfully make those statements.
This really drives home the point why drivers must get a wide range of price quotes. It is just not possible to predict which company will provide you with the cheapest premium rates.
More information can be found on the website for the Texas Department of Insurance. Click here for link. Visitors are able to report car insurance fraud, learn about insurance regulations, and discover disciplinary actions.
The following information may also be useful.
And the best auto insurance company is…
Cheap Honda Accord insurance is attainable on the web in addition to many Fort Worth insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not offer online rate quotes and many times these regional insurance providers work with local independent agencies.
In this article, we presented a lot of information how to shop for Honda Accord insurance online. It’s most important to understand that the more providers you compare, the better likelihood of getting . Consumers may even find the best price on auto insurance is with a small mutual company. Some small companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as GEICO and State Farm.