Feel like you’re a prisoner to an overpriced car insurance policy? You’re preaching to the choir because you’re not the only one. Companies like State Farm, Allstate, GEICO and Progressive all claim big savings with catchy ads and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.
If you have insurance now or are just looking to switch companies, you can use these techniques to find better prices while maintaining coverages. Choosing the best insurance company for you in Fort Worth is not that difficult. Texas vehicle owners just need to understand how to shop for car insurance over the internet.
Getting a low cost price on insurance isn’t really that difficult. You just have to spend a few minutes to get quotes from some recommended companies. It’s super easy and can be done in just a few minutes using one of these methods.
- The fastest and easiest way to find the lowest comparison rates is a comparison rater form click to view form in new window. This style of form eliminates the need for multiple quote forms for each company. A single, simple form gets you coverage quotes from multiple low-cost companies.
- A less efficient way to find better pricing is to manually visit the website for each individual company and repeat the quote process. For instance, let’s say you want rates from GEICO, Safeco and Allstate. You would be required to go to each individual site and punch in your information repeatedly, and that’s why the first method is more popular.
To view a list of companies in Fort Worth, click here.
Which method you use is up to you, but make darn sure you compare the exact same deductibles and coverage limits for each comparison quote. If your comparisons have different liability limits you can’t possibly find the best deal for your Ford F150 Pickup in Fort Worth.
Discounts to earn lower Fort Worth car insurance rates
Car insurance is not cheap nor is it fun to buy but you may be missing some discounts that you may not even know about. Some discounts apply automatically at the time you complete a quote, but a few need to be asked about before you get the savings.
- Discount for Swiching Early – A few larger companies give discounts for switching policies before your current expiration date. You can save around 10% with this discount.
- Active Military Service – Being deployed with a military unit can result in better prices.
- Passive Restraints – Options like air bags can receive discounts of up to 25% or more.
- Use Seat Belts – Drivers who require all occupants to wear their seat belts could save 15% on the premium charged for medical payments and/or PIP.
- Telematics Devices – Drivers who elect to allow their company to analyze vehicle usage by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they have good driving habits.
- Own a Home – Owning your own home or condo can help you save on car insurance because owning a home means you have a higher level of financial diligence.
- Distant Student Discount – College-age children who live away from home at college and won’t have access to an insured vehicle could get you a discount.
- Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
- Fewer Miles Equal More Savings – Low mileage vehicles may enable drivers to earn cheaper prices.
- Multi-line Discount – Insurance companies who offer life insurance give lower prices if you buy life insurance.
A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.
Companies that may have many of the previously listed discounts include:
Before purchasing a policy, check with every company how you can save money. Some discounts listed above may not be offered in Fort Worth. To find car insurance companies who offer discounts in Fort Worth, click here to view.
Even more information is available at the Texas Department of Insurance website. Texas drivers can read industry bulletins, file complaints about a company, and view a list of available companies.
These articles may also be worth reading.
- Cheapest Car Insurance Exclusively for Fort Worth, TX Residents
- Car Insurance in Fort Worth 8 Discounts You Might be Forgetting
Do the work, save more money
We’ve covered some good ideas how to get a better price on Ford F150 Pickup insurance. The key thing to remember is the more you , the more likely it is that you will get a better rate. You may even find the best premium rates are with the smaller companies. Some small companies often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.
More affordable car insurance is attainable from both online companies and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not offer price quotes online and many times these smaller providers work with independent agents.