Shopping for cheap quotes can seem to be rather challenging for people new to buying insurance online. With such a large choice of companies competing online, how can Weatherford drivers possibly compare all the different companies and get lower car insurance premiums?
A recent survey discovered that most car insurance buyers in Texas have purchased from the same company for well over three years, and just under half have never shopped around. Many consumers in the United States can save as much as 46.5% each year just by shopping around, but they mistakenly think it's difficult to save money by comparing rate quotes.
If you have a current insurance policy, you will definitely be able to get lower rates using this information. Quoting and buying cheaper insurance coverage in Weatherford is simple if you know the tricks. But Texas consumers do need to learn how companies price online insurance and take advantage of how the system works.
Save money by receiving these nine discounts
Insuring your vehicles can cost a lot, but you may be missing some discounts that can dramatically reduce your bill. Certain discounts will be applied when you purchase, but some discounts are required to be asked about in order for you to get them. If you check and find you aren't receiving every discount you qualify for, you are just wasting money.
- Senior Discount - Drivers over the age of 55 are able to get lower premium rates.
- Discount for New Cars - Putting insurance coverage on a new car can save you some money because new model year vehicles keep occupants safer.
- Weatherford Homeowners Discount - Owning a house in Weatherford may trigger a policy discount on car insurance since owning and maintaining a home is proof that your finances are in order.
- Discounts for Seat Belt Usage - Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Pay Now and Pay Less - By making one initial payment instead of making monthly payments you can actually save on your bill.
- Paperwork-free - A few larger online companies give back up to $50 shop Weatherford car insurance over the internet.
- Discounts for Cautious Drivers - Safe drivers can save as much as half off their rates than less cautious drivers.
- Military Rewards - Being on active duty in the military could mean lower premium rates.
- Switch and Save Discount - Some companies give discounts for switching policies before your current coverage expires. This discount can save up to 10%.
One thing to note about discounts is that some credits don't apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. So when it seems like you can get free auto insurance, you're out of luck. But all discounts should help reduce your policy premium.
To find car insurance companies that offer many of these discounts in Weatherford, click here to view.
When quoting car insurance, remember that getting more free quotes gives you a better chance of getting lower pricing.
The auto insurance companies shown below offer free rate quotes in Weatherford, TX. To find cheaper auto insurance in Texas, we suggest you visit several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Extended Cab 2WD||$1,142||$571||$95|
|Chevrolet Silverado LTZ Extended Cab 4WD||$1,434||$717||$120|
|Dodge Ram Quad Cab SLT 4WD||$1,402||$701||$117|
|Ford Escape XLT 2WD||$1,104||$552||$92|
|Ford F-150 XL Regular Cab 2WD||$1,030||$515||$86|
|Ford Focus S 4-Dr Sedan||$1,178||$589||$98|
|Honda Accord LX 4-Dr Sedan||$976||$488||$81|
|Honda CR-V EX-L 4WD||$1,134||$567||$95|
|Honda Civic LX-S 4-Dr Sedan||$1,172||$586||$98|
|Hyundai Elantra Blue 4-Dr Sedan||$1,348||$674||$112|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,138||$569||$95|
|Kia Optima SX||$1,368||$684||$114|
|Nissan Altima Hybrid 4-Dr Sedan||$1,282||$641||$107|
|Toyota Camry LE||$1,308||$654||$109|
|Toyota Corolla LE||$1,252||$626||$104|
|Toyota Tacoma Double Cab 4WD||$1,034||$517||$86|
|Volkswagen Jetta SEL 4-Dr Sedan||$1,088||$544||$91|
|Get Your Own Custom Quote Go|
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in garaging location in Weatherford which can raise or lower coverage rates significantly.
Impact of speeding/accidents on auto insurance rates
The chart below illustrates how traffic citations and at-fault collisions can increase Ford F-150 auto insurance costs for different age groups. The rates are based on a single male driver, full coverage, $250 deductibles, and no other discounts are factored in.
Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.
Always keep in mind that when comparing coverage, there is no cookie cutter policy. Every insured's situation is different so your insurance needs to address that. These are some specific questions may help highlight if your situation might need an agent's assistance.
- What does medical payments cover?
- Should I bundle my homeowners policy with my auto?
- What happens if I owe more than my vehicle is worth?
- Should I get collision insurance on every vehicle?
- Is other people's property covered if stolen from my vehicle?
- Are my friends covered when driving my vehicle?
If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area.
When should I have guidance from an agent?
Some consumers still prefer to go talk to an agent and that is OK! The best thing about comparing auto insurance online is you may find cheaper rates and still have a local agent. Buying insurance from local agents is important especially in Weatherford.
For easy comparison, once you complete this short form, your insurance data is transmitted to local insurance agents who can give free rate quotes for your coverage. You won't even need to find an agent on your own because prices are sent straight to your inbox. You'll get the best rates AND a local agent. In the event you want to get a price quote from a specific insurance company, just go to their quote page and fill out their quote form.
Finding a good insurance company requires you to look at more than just a cheap quote. Here are some questions to ask:
- Is the agent properly licensed in Texas?
- By raising physical damage deductibles, how much would you save?
- Which company do they place the most coverage with?
- Is assistance available after office hours?
- Can glass repairs be made at your home?
- Which family members are covered?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
Once you have acceptable answers to your questions and a low price estimate, you have narrowed it down to a company that is a good match to adequately provide auto insurance. Just remember you can cancel a policy whenever you wish so don't think you're contractually obligated to any specific company for the entire policy term.
Car insurance coverages
Understanding the coverages of insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage provides protection when the "other guys" do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your vehicle.
Since a lot of drivers only carry the minimum required liability limits (Texas limits are 30/60/25), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like prosthetic devices, doctor visits, chiropractic care, rehabilitation expenses and dental work. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
This coverage will pay to fix damage to your vehicle resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims like hitting a parking meter, driving through your garage door, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.
Comprehensive auto coverage
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like damage from flooding, theft, hitting a bird, falling objects and fire damage. The most you'll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability car insurance
Liability insurance can cover damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 30/60/25 which means a $30,000 limit per person for injuries, a limit of $60,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against things such as court costs, repair bills for other people's vehicles and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford. Texas requires minimum liability limits of 30/60/25 but you should consider buying more liability than the minimum.
Compare but don't skimp
When getting Weatherford car insurance quotes online, you should never buy less coverage just to save a little money. There are many occasions where someone dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at the best cost and still be able to protect your assets.
Cheaper car insurance in Weatherford is attainable online and from local agencies, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who don't offer rate quotes online and many times these small insurance companies provide coverage only through independent agents.
In this article, we covered a lot of information how to lower your car insurance premium rates in Weatherford. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest premium rates come from some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.
To read more, link through to the following helpful articles:
- Safety Tips for Teen Drivers (Insurance Information Institute)
- What Insurance is Cheapest for a Toyota Highlander in Texas? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Female in Texas? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Driving in Bad Weather (Insurance Information Institute)
- Distracted Driving Statistics (Insurance Information Institute)