Are you at wits end from not being able to afford to make your car insurance payment? You have the same problem as many other Texas drivers. Big-name insurance companies like Allstate, Progressive and GEICO promote their brand names with catchy ads and it is challenging if not impossible to see past the geckos and flying pigs and effectively compare rates to find the best deal.
Lower Your Fort Worth Insurance Premiums
Many different elements are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but other factors are more obscure such as whether you are married and annual miles driven.
The following are most of the major factors used by insurance companies to determine prices.
- Accidents inflate costs – Even one chargable violation can increase the cost of insurance to the point where it’s not affordable. Attentive drivers have lower premiums as compared to careless drivers. Drivers unfortunate enough to have serious tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
- High comp and collision deductibles lower prices – Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your Chevy. Examples of some claims that would be covered could be a broken side mirror, hail damage, and burglary. The deductibles you choose are how much you are required to spend out-of-pocket if a covered claim is submitted. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be for Impala coverage.
- Deter vehicle theft – Choosing to buy a car with anti-theft technology or alarm system can help lower your rates. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
- Marriage is a factor – Your spouse can actually save you money when shopping for car insurance. Having a spouse translates into being less irresponsible and statistics prove being married results in fewer claims.
- Liability coverage limits are a factor – Liability insurance is the protection in the event that you are ruled to be at fault for damages from an accident. It will provide you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
- Bundle policies with the same company – Most insurers provide a discount to clients who carry more than one policy, otherwise known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s in your best interest to shop around to confirm you are receiving the best rates possible. Drivers may still save money by splitting coverages up.
Free Fort Worth car insurance quotes
Comparing car insurance rates can be exhausting if you don’t utilize the most efficient way to do it. You can spend countless hours driving to local insurance agents in Fort Worth, or you could use the web to achieve your goal.
Many of the larger companies participate in a marketplace that enables customers to submit their information once, and each participating company then gives them pricing. This eliminates the need for quote requests for every car insurance company.
To participate in this free quote system, click here to open in new window.
One minor caviat to using this type of system is buyers cannot specifically choose the providers to get quotes from. So if you prefer to pick from a list of companies to request quotes from, we have a listing of car insurance companies in Texas. Click here to view list.
It’s up to you which method you use, but make darn sure you compare apples-to-apples coverage information for every company. If each company quotes different values for each quote then you won’t be able to determine the lowest rate for your Chevy Impala in Fort Worth. Slightly different insurance coverages or limits could skew the results. And when quoting car insurance, remember that comparing more company’s prices provides better odds of finding the best price.
Switch companies and save? Really?
Car insurance providers like Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. They all seem to make an identical promise about saving some big amount if you get a free and switch your policy. How is it possible that every company can have lower policy pricing? Just pay attention to how they say it.
All companies quote their best rates for the type of driver that will add to their bottom line. A good example of this type of risk profile could be between the ages of 30 and 50, has no claims, and has excellent credit. Any person who meets those qualifications will probably get the lowest rates and will save a lot of money.
Drivers who do not match these standards will probably be forced to pay higher prices which translates to business not being written. If you pay attention, the ads say “customers who switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can advertise the way they do. Because of the profiling, you should get price quotes at each policy renewal. It’s just not possible to know which insurance companies will be your best fit.
Verify you’re receiving every discount
Not many people think insurance is cheap, but you may find discounts that can help lower your rates. A few discounts will be applied when you get a quote, but lesser-known reductions have to be manually applied before they will apply.
- Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease for Impala coverage depending on your company.
- Renewal Discounts – Select insurance companies give a discount for switching to them before your current policy expires. This discount can save up to 10%.
- Distant Student Discount – Youth drivers who live away from home at college and do not take a car to college can be insured at a reduced rate.
- Driver Safety – Completing a course in safe driver can save you 5% or more and make you a better driver.
- Theft Deterent System – Anti-theft and alarm system equipped vehicles help deter theft and earn discounts up to 10% off your .
- Passenger Safety Discount – Factory air bags or automatic seat belts may get savings of 20 to 30 percent.
- ABS Braking Discount – Cars with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
- Low Mileage Discounts – Low annual miles may allow you to get better rates on cars that stay parked.
- Club Memberships – Affiliation with a civic or occupational organization in Fort Worth is a good way to get lower rates on your bill.
Don’t be shocked that some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any amount of discount will cut your overall premium however.
To view insurers that offer some of these discounts in Fort Worth, click here to view.
Get rate quotes but still have a local Fort Worth insurance agency
A lot of people prefer to talk to an insurance agent and that is OK! The biggest benefit of comparing car insurance online is you can get the best rates and still buy from a local agent.
By using this simple form, your insurance coverage information is immediately sent to companies in Fort Worth who will give you quotes to get your business. It simplifies rate comparisons since you won’t have to visit any agencies as quotes are delivered immediately to your email address. You’ll get the best rates without having to waste a lot of time. If you need to get a rate quote from a particular provider, feel free to go to their quote page and fill out the quote form the provide.
Choosing the best provider needs to be determined by more than just a low price. Any agent should be forthright in answering these questions:
- How long has the business existed?
- Which members of your family are coverage by the policy?
- Do they offer claims assistance after hours?
- Can you get a list of referrals?
- How are claims handled?
- What kind of financial rating does the company have?
Best auto insurance agent in Fort Worth
If you want to buy car insurance from local Fort Worth agents, it’s helpful to know the types of insurance agents and how they are distinctly different. Car insurance agents in Fort Worth can either be captive or independent agents depending on their company appointments.
Captive Agents
Agents in the captive channel can only quote rates from one company and some examples include Allstate, Farmers Insurance or State Farm. These agents are not able to shop your coverage around so keep that in mind. Captive agencies receive extensive training on the products they sell which can be an advantage.
Independent Agents (or Brokers)
These agents are normally appointed by many insurers so they can quote policies with a variety of different insurance companies and help determine which has the cheapest rates. If you are not satisfied with one company, the business is moved internally which is easy for the insured.
If you are comparing car insurance prices, we highly recommend that you include price quotes from multiple independent agents to ensure the widest selection of prices.
More tips and info about car insurance is located at the Texas Department of Insurance website. Visitors are able to view a list of available companies, find disaster information, read state legal mandates and laws, and read enforcement actions against agents and companies.
More related Fort Worth car insurance information:
- Best Pricing for Fort Worth Car Insurance Providers
- Compare Fort Worth Auto Insurance for Less Money With These Tips
Cheaper coverage is out there
Cost effective Chevy Impala insurance can be purchased from both online companies in addition to local insurance agencies, so you need to with both to have the best selection. Some insurance companies do not provide online price quotes and most of the time these regional carriers prefer to sell through independent insurance agencies.
In this article, we presented quite a bit of information on how to reduce Chevy Impala insurance auto insurance rates online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your premium rates. Drivers may discover the lowest auto insurance rates are with some of the lesser-known companies. Some small companies may have significantly lower premium rates on certain market segments than their larger competitors like State Farm or Progressive.