Never Compare Fort Worth Texas Auto Insurance Without Knowing These Money Saving Tips

Are you a victim of an overpriced auto insurance policy? Trust us, there are many Fort Worth consumers feeling the pinch from expensive auto insurance. Consumers have many car insurance companies to pick from, and even though it’s nice to be able to choose, having more insurance companies makes it harder to compare rates.

Locating cheaper auto insurance in Fort Worth can be fairly easy. If you have insurance now or are shopping for new coverage, you can use this information to cut your premiums while maintaining coverages. Texas vehicle owners just need to learn the tricks to shop for auto insurance over the internet.

Compare the Market for Auto Insurance in Fort Worth, Texas

Most major insurance companies such as Progressive, GEICO, Allstate and State Farm give price estimates directly from their websites. Getting online quotes is fairly simple as you just enter the coverage amounts you desire as detailed in the form. Upon sending the form, their rating system will order credit information and your driving record and provides a quote determined by many factors. This makes comparing rates easy, but having to visit many different websites and enter the same data into a form can be a bit repetitive. But it is imperative to do this if you want to find better prices.

The easy way to compare rates

The smarter way to find better auto insurance pricing uses one simple form to return rates from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes online price comparison much simpler. After sending your information, your coverage is rated and you can choose your choice of the quotes returned.

If a lower price is quoted, you can click and sign and buy the new coverage. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.

To quickly compare rates using this form now, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you replicate the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you are getting a rate comparison based on similar coverages.

Don’t pay full price with these discounts

Car insurance is not cheap, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied when you quote, but a few must be manually applied before they will apply. If you’re not getting every credit you qualify for, you are paying more than you should be.

Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.
Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less than less cautious drivers.
Auto/Home Discount – When you have multiple policies with the same company you may earn 10% to 20% off each policy.
Multi-car Discount – Buying coverage for more than one vehicle with the same company qualifies for this discount.
Defensive Driving Course – Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
Payment Method – By paying your policy upfront rather than paying monthly you may reduce your total bill.
Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. Just because you may think you can get free auto insurance, companies don’t profit that way. But any discount will cut the amount you have to pay.

To choose insurance companies offering auto insurance discounts in Fort Worth, click here.

Educated Consumers Know How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the different types of things that help determine auto insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that can help you get big savings.<img class="alignright" style="padding-top:15px" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-4.jpg" alt="Fort Worth Texas auto insurance” />

Big city or small town – Residing in a rural area can be a good thing when insuring your vehicles. Less people living in that area means a lower chance of having an accident. City drivers regularly have much more traffic to deal with and much longer commute distances. Higher commute times translates into higher accident risk.
Better credit scores mean better rates – Your credit rating is a large factor in your rate calculation. People with high credit scores tend to be more responsible than drivers with lower credit scores. If your credit rating can use some improvement, you could save money insuring your by repairing your credit.
Optional equipment can affect rates – Owning a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
Lower rates come with age – Teenage drivers in Texas tend to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Careers like judges, business owners and dentists are shown to have the highest average rates because of high stress levels and long work hours. Other jobs such as actors, historians and performers pay the least.
Sex matters – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Men and women tend to get into accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations such as reckless driving.

But buying car insurance online seems impersonal

Some people would prefer to buy from a licensed agent and there is nothing wrong with that. Insurance agents can help determine the best coverages and give you someone to call. One of the great benefits of getting online price quotes is the fact that you can find lower rates but still work with a licensed agent. And supporting local businesses 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 transmitted to participating agents in Fort Worth who will compete to get your business. You won’t need to even leave your home since price quotes are sent to your email. How’s that for easy!

Different types of Fort Worth insurance agencies

If you’re trying to find local Fort Worth agents, there are two different agency structures that you can select. Fort Worth agents are categorized either captive or independent (non-captive). Either one can do a good job, but it’s worth learning the difference between them since it can impact buying decisions.

Independent Agents

These agents are not required to write business for one company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies. When comparing rates, it’s recommended you contact multiple independent agents for maximum quote selection.

Below are independent insurance agencies in Fort Worth that can give you price quotes.

Joe F Williams Agency – 6200 Winn Pl W – Fort Worth, TX 76134 – (817) 263-0644
Meinen Agency – 4055 International Plz # 420 – Fort Worth, TX 76109 – (817) 731-2847
Kimberly Terrell Insurance – 2410 Montgomery St – Fort Worth, TX 76107 – (817) 732-7639
Lucien Wright Agency – 1200 West Fwy # 200 – Fort Worth, TX 76102 – (817) 335-3400
Laser Insurance Svc Inc – 7217 Stonybrooke Dr – Fort Worth, TX 76180 – (817) 485-8994

Captive Agents

This type of agents write business for a single company and some examples include American Family, Liberty Mutual and AAA. They generally cannot compare other company’s rates so they are skilled at selling on more than just price. Captive agencies are well schooled on their company’s products which can be an advantage.

The following are captive agents in Fort Worth that are able to give comparison quotes.

Farmers Insurance Group – 2408 Montgomery St – Fort Worth, TX 76107 – (817) 763-0838
Allstate Insurance – 6538 Boca Raton Blvd # B – Fort Worth, TX 76112 – (817) 496-8112
Liberty Mutual Insurance – 210 W 6th St # 925 – Fort Worth, TX 76102 – (817) 332-9626
State Farm Insurance – 1220 N Main St # 204 – Fort Worth, TX 76106 – (817) 740-1508

To view a complete directory of Fort Worth captive insurance agencies, click here to link.

Selecting an insurance agent shouldn’t rely on just the price. Agents should be asked these questions:

Is the agent and/or agency licensed to do business in Texas?
Is vehicle mileage a factor when determining depreciation for repairs?
What insurance companies do they recommend if they are an independent agent?
How much can you save by raising your physical damage deductibles?
Are there any discounts that you might be missing?
Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

After getting reasonable responses to any questions you have and locked in a price quote, you may have just found a car insurance agent that meets your needs to adequately provide auto insurance.

Which policy gives me the best coverage?

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether you will benefit from professional help.

Do I need special endorsements for business use of my vehicle?
Is business property covered if stolen from my car?
When does my teenage driver need to be added to my policy?
Are there companies who specialize in insuring high-risk drivers?
When should I drop full coverage on my vehicle?
Will my rates increase for filing one claim?
How much liability coverage do I need in Texas?
Am I covered if I wreck a rental car?
Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

More information is located on the website for the Texas Department of Insurance through this link. Texas consumers can file complaints about an insurance agent or broker, download brochures, and read industry bulletins.

Also read more on these car insurance answers and this page where you can research Fort Worth insurance agents.

Final thoughts

Cheaper auto insurance is attainable from both online companies and with local Fort Worth insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not offer online quoting and these small insurance companies work with independent agents.

In this article, we covered some good ideas how you can shop for auto insurance online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the most savings is with a small local company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.