Want to learn the secrets to finding lower-priced auto insurance rates in Bedford, TX? If you're new to shopping for Bedford auto insurance quotes online, you can be baffled by the crazy number of local and online companies all advertising big savings.
It's shocking but nearly 70% of consumers kept buying from the same company for well over three years, and practically 40% of auto insurance customers have never compared rate quotes at all. Bedford insurance shoppers could save 70% every year just by getting comparison quotes, but they don't invest the time required to find lower-cost rates by getting comparison quotes.
It's a great practice to compare prices occasionally because prices go up and down regularly. Despite the fact that you may have had the best price on auto insurance a year ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the quickest way to properly buy coverages while reducing your premium.
When shopping for car insurance there are multiple ways to get quotes from different companies. The fastest way to find cheaper rates consists of obtaining rate quotes online. It's important to know that comparing a large number of companies will improve the odds of getting a better price.
The following companies offer free quotes in Bedford, TX. In order to find cheap car insurance in Texas, we recommend you compare several of them to get the most affordable price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LTZ Extended Cab 2WD||$1,500||$750||$125|
|Dodge Grand Caravan SE||$956||$478||$80|
|Dodge Ram Quad Cab Sport 2WD||$1,740||$870||$145|
|Ford Escape XLS 4WD||$1,380||$690||$115|
|Ford F-150 Lariat Crew Cab Platinum 2WD||$1,578||$789||$132|
|Ford Focus SES 4-Dr Sedan||$1,228||$614||$102|
|GMC Sierra SLT Extended Cab 2WD||$1,260||$630||$105|
|Honda Accord EX 2-Dr Coupe||$1,306||$653||$109|
|Honda CR-V LX 4WD||$850||$425||$71|
|Honda Civic LX-S 4-Dr Sedan||$1,044||$522||$87|
|Hyundai Sonata Limited 4-Dr Sedan||$1,470||$735||$123|
|Jeep Grand Cherokee Laredo 2WD||$988||$494||$82|
|Kia Optima EX||$1,150||$575||$96|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,642||$821||$137|
|Toyota Camry XLE||$1,230||$615||$103|
|Toyota Corolla XLE||$1,224||$612||$102|
|Toyota RAV4 Limited 2WD||$1,182||$591||$99|
|Toyota Tacoma X-Runner 2WD||$1,616||$808||$135|
|Volkswagen Jetta SEL 4-Dr Sedan||$1,088||$544||$91|
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Information does not factor in specific garaging location which can lower or raise rates considerably.
Physical damage deductibles: Should you raise them?
The hardest decision when buying coverage is the level to set your comp and collision deductibles. The data tables below illustrate the costs and benefits when you buy lower versus higher physical damage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.
Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$294||$496||$382||$22||$114||$1,333||$111|
|Fusion SE 4-Dr Sedan||$332||$584||$382||$22||$114||$1,459||$122|
|Fusion Hybrid 4-Dr Sedan||$332||$672||$476||$28||$142||$1,675||$140|
|Fusion SEL 4-Dr Sedan||$332||$584||$382||$22||$114||$1,459||$122|
|Fusion Sport 4-Dr Sedan||$332||$584||$382||$22||$114||$1,459||$122|
|Fusion SEL AWD 4-Dr Sedan||$370||$672||$382||$22||$114||$1,585||$132|
|Fusion Sport AWD 4-Dr Sedan||$370||$672||$382||$22||$114||$1,585||$132|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$182||$312||$382||$22||$114||$1,012||$84|
|Fusion SE 4-Dr Sedan||$206||$368||$382||$22||$114||$1,092||$91|
|Fusion Hybrid 4-Dr Sedan||$206||$424||$476||$28||$142||$1,276||$106|
|Fusion SEL 4-Dr Sedan||$206||$368||$382||$22||$114||$1,092||$91|
|Fusion Sport 4-Dr Sedan||$206||$368||$382||$22||$114||$1,092||$91|
|Fusion SEL AWD 4-Dr Sedan||$228||$424||$382||$22||$114||$1,170||$98|
|Fusion Sport AWD 4-Dr Sedan||$228||$424||$382||$22||$114||$1,170||$98|
|Get a Quote for Your Vehicle Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in your specific Bedford location which can raise or lower prices significantly.
Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $32 more each month or $384 for a full year than opting for the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 23 months between claims, you would come out ahead if you choose a higher deductible.
Rate comparison of male drivers versus female drivers
The chart below shows the difference between car insurance rates for male and female drivers in Bedford. The costs are based on a clean driving record, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration on a Nissan Sentra 2.0 SR.
Nissan Sentra rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Auto insurance deductibles
The information below shows how choosing a deductible and can change Honda Pilot insurance premiums for different age categories. The rate quotes are based on a single male driver, comp and collision included, and no discounts are factored in.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
Cheaper Bedford auto insurance rates with discounts
Auto insurance is expensive, but you might already qualify for some discounts that you may not even be aware of. Some of these discounts will be visible at quote time, but occasionally some discounts must be inquired about prior to getting the savings.
- Low Miles Discount - Low annual miles can qualify you for slightly better premium rates than normal.
- Seat Belt Usage - Drivers who require all occupants to fasten their seat belts could cut 10% or more off the medical payments premium.
- Telematics Data Discounts - Policyholders that allow data collection to track driving manner by using a telematic data system like In-Drive from State Farm and Progressive's Snapshot could possibly reduce rates if their driving habits are good.
- Defensive Driving Course - Participating in a course in driver safety could earn you a small percentage discount and easily recoup the cost of the course.
- Anti-lock Brake Discount - Cars and trucks equipped with ABS or steering control can avoid accidents and will save you 10% or more.
- Save over 55 - Seniors can get a small discount on rates.
- Discount for Good Grades - Maintaining excellent grades can get you a discount of up to 25%. You can use this discount normally until age 25.
- Sign Early and Save - Some larger companies give discounts for switching policies prior to your current policy expiring. This can save 10% or more.
- Military Discounts - Having a deployed family member could mean lower prices.
- Auto/Home Discount - When you have multiple policies with one insurance company you could earn a discount of at least 10% off all policies.
It's important to note that some credits don't apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, it just doesn't work that way.
Car insurance companies that may offer policyholders most of these discounts may include but are not limited to:
Check with every insurance company to give you their best rates. Discounts might not be offered on policies in Bedford. To choose companies that provide some of the discounts listed above in Bedford, click here to view.
Parts of your auto insurance policy
Knowing the specifics of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.
Liability auto insurance - This can cover damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 30/60/25 which stand for $30,000 bodily injury coverage, a total of $60,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability insurance covers claims like bail bonds, loss of income, funeral expenses, medical services and emergency aid. How much coverage you buy is your choice, but consider buying as much as you can afford. Texas state minimum liability requirements are 30/60/25 but it's recommended drivers buy higher limits.
Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage pay for expenses like prosthetic devices, X-ray expenses, chiropractic care, funeral costs and surgery. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Comprehensive auto coverage - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like falling objects, damage from flooding, theft, a broken windshield and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle's damage.
Because many people have only the minimum liability required by law (30/60/25 in Texas), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.
Collision coverage - This coverage pays for damage to your vehicle resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things like driving through your garage door, crashing into a ditch, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.
People leave their current company for any number of reasons including delays in paying claims, policy non-renewal, poor customer service or even being labeled a high risk driver. No matter why you want to switch, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.
When buying insurance coverage, it's very important that you do not sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced physical damage coverage only to find out that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at the best cost and still be able to protect your assets.
We've covered many ideas to reduce car insurance premium rates online in Bedford. The most important thing to understand is the more you quote Bedford auto insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on car insurance is with a company that doesn't do a lot of advertising.
To read more, link through to the following helpful articles:
- Bodily Injury Coverage (Liberty Mutual)
- Who Has the Cheapest Auto Insurance for Handicapped Drivers in Texas? (FAQ)
- What Car Insurance is Cheapest for Drivers with Accidents in Texas? (FAQ)
- What is the Best Cheap Car Insurance in Beaumont, TX? (FAQ)
- Who Has Affordable Car Insurance Rates for a Jeep Wrangler in Texas? (FAQ)
- Who Has Affordable Auto Insurance Quotes for State Employees in Texas? (FAQ)
- What is the Best Auto Insurance in San Antonio, TX? (FAQ)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Credit and Insurance Scores (Insurance Information Institute)
- Keeping Children Safe in Crashes Video (iihs.org)