Nobody I know likes having to buy car insurance, especially when they know the cost is too high. Insurance companies such as GEICO, Progressive and Allstate constantly blast consumers with fancy advertisements and consumers find it hard to not get sucked in by the cute commercials and find the best price available.
The best way to compare car insurance company rates is to take advantage of the fact most of the bigger providers participate in a system to provide you with a free rate quote. The only thing you need to do is provide information including what you do for a living, if a SR-22 is needed, types of safety features, and distance driven. Your insurance information is then submitted to multiple different insurance companies and you receive quotes almost instantly.
To compare rates now, click here and enter your zip code.
Discounts for lower Texas car insurance rates
Some companies don’t always advertise all available discounts in a way that’s easy to find, so we took the time to find both the well known and the more hidden credits that may apply to you.
- Military Discounts – Being deployed with a military unit may qualify for rate reductions.
- First Accident Forgiveness – but some companies like GEICO, State Farm, and Progressive will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims for a specific time period.
- Student in College – Any of your kids living away from home attending college and do not take a car to college can receive lower rates.
- Bundled Policy Discount – If you have multiple policies and place coverage with the same company you could save over 10 percent off each policy depending on the company.
- Anti-lock Brake Discount – Vehicles with ABS and/or traction control can avoid accidents and qualify for as much as a 10% discount.
- Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it can save substantially.
Discounts lower rates, but most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. Despite the appearance that you would end up receiving a 100% discount, you won’t be that lucky.
A few popular companies and their offered discounts include:
- Farm Bureau has savings for multi-policy, 55 and retired, driver training, good student, youthful driver, and multi-vehicle.
- Liberty Mutual may offer discounts for new vehicle discount, exclusive group savings, hybrid vehicle, preferred payment discount, and multi-policy.
- State Farm has discounts for Drive Safe & Save, passive restraint, student away at school, accident-free, and good driver.
- Auto-Owners Insurance discounts include good student, safe vehicle, multiple vehicles, student away at school, paperless, and group or association.
- GEICO offers premium reductions for seat belt use, anti-lock brakes, daytime running lights, good student, and five-year accident-free.
- SAFECO policyholders can earn discounts including homeowner, safe driver, teen safe driver, teen safety rewards, and multi-car.
If you are trying to find , ask every company which credits you are entitled to. Some discounts listed above may not be offered in Fort Worth. To find companies with discount rates in Texas, follow this link.
Tailor your car insurance coverage to you
When buying the best car insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help you determine if you could use an agent’s help.
- Exactly who is provided coverage by my policy?
- What if I don’t agree with a claim settlement offer?
- Am I covered when driving in Canada or Mexico?
- How can I get high-risk coverage after a DUI?
- Am I covered if I crash into my own garage door?
- Is my babysitter covered when using my vehicle?
- When do I need to add a new car to my policy?
- What can I do if my company won’t pay a claim?
- Is my dog or cat covered if injured in an accident?
If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
More information is available on the website for the Texas Department of Insurance found here. Visitors are able to read enforcement actions against agents and companies, download brochures, and find out industry alerts.
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