Want to learn how to find lower-priced auto insurance rates in Fort Worth, TX? If you've never shopped for Fort Worth auto insurance quotes online, by this point your are probably overwhelmed thanks to the huge assortment of online auto insurance companies and websites all promising to save you money.

Astonishing but true according to a recent study, most auto insurance customers have stayed with the same insurance company for well over three years, and nearly 40% of drivers have never compared rates with other companies. Most drivers in Texas could cut their rates by 70% a year just by getting comparison quotes, but they think it's difficult to compare rates online.

It's important to get comparison quotes as often as possible since prices tend to go up over time. Just because you found the lowest price on auto insurance last year the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out the best way to save money, get proper deductibles and limits, all at the lowest rate.

If you have insurance now, you will definitely be able to get lower rates using these tips. The purpose of this article is to teach you a little about how car insurance quotes work and how to save the most money. Nevertheless, Texas car owners can benefit from knowing how insurance companies determine what you pay and use it to your advantage.

How to compare Fort Worth insurance quotes

The are a couple different ways to compare rate quotes from many different Texas insurance companies. The quickest method to lower the rate you pay for insurance is simply to get online rate quotes. When quoting insurance, remember that obtaining a wide range of quotes helps locate a lower rate than you're paying now.

The car insurance companies shown below can provide price comparisons in Fort Worth, TX. If you wish to find the cheapest car insurance in TX, we suggest you visit several of them to find the lowest car insurance rates.

Insurance Rates for Popular Vehicles in Fort Worth
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,200 $600 $100
Chevrolet Silverado LS Extended Cab 4WD $1,046 $523 $87
Dodge Grand Caravan CV $1,384 $692 $115
Dodge Ram Quad Cab Laramie 2WD $1,148 $574 $96
Ford Edge SEL AWD $1,292 $646 $108
Ford Escape XLT 2WD $854 $427 $71
Ford F-150 FX2 Super Cab 2WD $1,280 $640 $107
Ford Focus SEL 4-Dr Sedan $1,158 $579 $97
Honda Accord LX-P 4-Dr Sedan $1,278 $639 $107
Honda CR-V EX 4WD $1,142 $571 $95
Honda Civic GX 4-Dr Sedan $1,292 $646 $108
Hyundai Elantra GLS 4-Dr Sedan $1,744 $872 $145
Nissan Altima 3.5 SR 4-Dr Sedan $1,282 $641 $107
Toyota Camry LE $1,142 $571 $95
Toyota Corolla S $1,118 $559 $93
Volkswagen Jetta 2.0T Station Wagon $1,320 $660 $110
Get Your Own Custom Quote Go

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium costs do not factor in zip code location which can influence premium rates significantly.

Gender differences in auto insurance premiums

The diagram below compares insurance costs for male and female drivers in Fort Worth. The data is based on a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, marital status is single, and no other discounts are factored in on a Ford Focus SES.

Ford Focus rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Policy deductible comparison

The chart below highlights how deductible selection and can increase or decrease Honda Accord premium costs for each different age category. The rate quotes are based on a married male driver, full coverage, and no other discounts are factored in.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Responsible drivers pay cheaper auto insurance rates

The example below illustrates how traffic citations and at-fault collisions can impact Hyundai Sonata insurance rates for each age group. Data assumes a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Lower rates by qualifying for these six discounts

Insurance is not cheap nor is it fun to buy but you may be missing some discounts to help offset the cost. Many discounts should be triggered when you quote, but less common discounts must be specially asked for before being credited. If you check and find you aren't receiving every discount you qualify for, you are paying more than you should be.Discount insurance

Drivers should understand that many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, company stockholders wouldn't be very happy. But any discount will positively reduce your policy cost.

A list of insurance companies and some of their more popular discounts can be read below.

When getting a coverage quote, ask each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply in every state. To choose insurance companies who offer discounts in Texas, follow this link.

You may need help from an agent

Many drivers still prefer to go talk to an agent and we recommend doing that A good thing about getting free rate quotes online is that drivers can save money and get lower rates and still buy from a local agent. Supporting neighborhood insurance agencies is important particularly in Fort Worth.

Insurance agents in Fort WorthTo make it easy to find an agent, after completing this form (opens in new window), your coverage information is immediately sent to local insurance agents who want to provide quotes and help you find cheaper coverage. It's much easier because you don't need to contact any agents since rate quotes are delivered to you instantly. You can find better rates and a licensed agent to talk to. If you wish to get a comparison quote from a particular provider, you can always visit that company's website and submit a quote form there.

If you need to find a local Fort Worth insurance agency, there are two different types of agents and how they can write your policy. Agents in Fort Worth can be classified as either exclusive or independent.

Independent Car Insurance Agents

Agents of this type do not sell for just one brand and that enables them to quote your coverage through many different car insurance companies and get the cheapest rates. If your premiums go up, the business is moved internally without you having to go to a different agency. When comparing car insurance prices, you definitely need to contact several independent insurance agents for the best price selection. Most can insure with different regional companies which could offer lower prices.

Shown below is a partial list of independent agencies in Fort Worth that can give you rate quotes.

View more Fort Worth agents

Exclusive Agents

Exclusive insurance agents can usually just insure with one company and examples are American Family, State Farm, and Allstate. These agents are not able to provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. Exclusive agencies receive extensive training on their company's products which can be an advantage. Consumers frequently purchase coverage from exclusives mainly due to high brand loyalty and strong financial ratings.

Shown below are Fort Worth exclusive insurance agencies that can give you price quote information.

View more Fort Worth agents

Picking the best auto insurance agent needs to be determined by more than just a cheap price quote. A good agent in Fort Worth will have answers to these questions.

Will just any policy work for me?

Keep in mind that when it comes to choosing insurance from an agent or online, there is no "best" method to buy coverage. Your needs are unique to you and a cookie cutter policy won't apply.Car insurance savings For example, these questions can help discover whether you may require specific advice.

If you're not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

It may be expensive, but it's not optional

Despite the high insurance cost in Fort Worth, insuring your vehicle serves a purpose in several ways.

The benefits of buying auto insurance are definitely more than the cost, especially with large liability claims. Today the average American driver is wasting up to $865 each year so you should quote rates once a year at a minimum to ensure rates are competitive.

Insurance losses by coverage

Which vehicle models have severe claims? The following claim statistics outline the good and bad vehicles for overall likelihood of having to file claims for each type of coverage.

Lowest and Highest Car Insurance Collision Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Colorado Audi RS7
Ford Edge Bently Continental GTC
Smart ForTwo Ferrari 458
Ford F-150 SuperCrew Bentley Continental Flying Spur
Ford F-250 SuperCab BMW M6
Mini Cooper Nissan GT-R

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical Payment Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Ford F-250 SuperCrew Mitsubishi Lancer
Chevrolet Corvette Chevrolet Spark
Chevrolet Silverado 2500 Mitsubishi Mirage
Land Rover Range Rover Sport Chrysler 200
Ford Expedition Hyundai Accent
Chevrolet Silverado 3500 Nissan Sentra

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Liability Insurance Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Subaru Forester Chevrolet Impala
Acura MDX Chevrolet Cruze
Subaru Outback Mitsubishi Lancer
Volvo XC60 Chevrolet Sonic
Chevrolet Corvette Kia Rio
Audi A6 Mitsubishi Mirage

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo BMW M6
GMC Sierra 2500 Porsche Panamera GTS
Ford F-350 Bentley Continental GT
Chevy Silverado 2500 Audi S7
Nissan Xterra Mercedes-Benz S Class
Nissan Leaf BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Information about specific coverages

Having a good grasp of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.

Collision protection

This coverage covers damage to your vehicle resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sustaining damage from a pot hole, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like dental work, EMT expenses, prosthetic devices, hospital visits and pain medications. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability auto insurance

This will cover damages or injuries you inflict on other people or property. It protects you from legal claims by others. Liability doesn't cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 30/60/25 which stand for a limit of $30,000 per injured person, $60,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like medical expenses, loss of income, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but buy as much as you can afford. Texas state law requires minimum liability limits of 30/60/25 but you should think about purchasing higher limits.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the "other guys" are uninsured or don't have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle's damage.

Since many Texas drivers only carry the minimum required liability limits (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits do not exceed the liability coverage limits.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, damage from getting keyed, theft and falling objects. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Be persistent to save money

We just presented many ways to shop for car insurance online. The key concept to understand is the more you quote Fort Worth auto insurance, the better your chances of lowering your auto insurance rates. Consumers may even find the biggest savings come from the smaller companies. Some small companies often have lower auto insurance rates on specific markets than their larger competitors like GEICO and State Farm.

Some car insurance companies do not provide internet price quotes and these smaller companies only sell through independent insurance agents. Cheap car insurance in Fort Worth can be purchased on the web as well as from independent agents in Fort Worth, and you need to price shop both to have the best chance of lowering rates.

Additional car insurance information can be found at the links below