Cheapest Car Insurance Exclusively for Fort Worth, TX Residents

Tired of trying to scrape together enough money to insure your vehicles every month? Your situation is no different than millions of other consumers.

Multiple insurers compete to insure your vehicles, so it’s not easy to compare every company and get the best coverage at the best price available.

It’s smart to get comparison quotes quite often because rates are usually higher with each renewal. Even if you think you had the lowest price last year you can probably find a lower rate today. Starting now, forget all the misinformation about car insurance because you’re about to learn how to use online quotes to find lower rates on car insurance.

How to Lower Your Car Insurance Cost in Fort Worth, TX

Most companies allow you to get prices online. The process is pretty easy as you just enter your coverage information into the quote form. When complete, the system requests credit information and your driving record and provides a quote based on these and other factors. Being able to quote online makes comparing rates easy, but the time required to go to many different websites and complete many quote forms is repetitive and time-consuming. But it’s very important to have as many quotes as possible in order to find a lower rate.

Compare rates the easy way

The easiest way to lower your rates makes use of a single form that gets price quotes from several different companies. It saves time, requires less work, and makes online quotes much easier. Once the form is submitted, your coverage is rated with multiple companies and you can pick your choice of the resulting price quotes. If you find a better price you can click and sign and buy the new coverage. This process just takes a couple of minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you duplicate as close as possible to your current policy. This way, you will have an apples-to-apples comparison for the exact same coverage.

Car insurance myths debunked

Car insurance companies such as State Farm and Allstate consistently run television and radio advertisements. They all seem to have a common claim of big savings if you change to their company. How does each company make almost identical claims?

All the different companies can use profiling for the type of driver that makes them money. An example of a driver they prefer could possibly be between 25 and 40, insures multiple vehicles, and has great credit. Any driver who matches those parameters will get very good rates and most likely will save a lot of money.

Drivers who are not a match for these standards will be quoted higher rates which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that much money. That’s the way companies can advertise the way they do. This emphasizes why you should get as many comparisons as possible. It’s not possible to predict which car insurance company will have the lowest rates.price insurance in Fort Worth

These discounts can lower your rates

Car insurance companies don’t list all available discounts very clearly, so here is a list both the well known and also the lesser-known savings tricks you should be using.

  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiration. The savings is around 10%.
  • Bundle and Save – If you have multiple policies with the same insurance company you may save at least 10% off all policies.
  • Homeowners Discount – Owning a home in Fort Worth can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
  • Club Memberships – Belonging to certain professional organizations is a good way to get lower rates on car insurance.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Resident Student – Kids in college who live away from home without a vehicle on campus may qualify for this discount.
  • Drivers Ed for Students – Have your child complete a driver education course if it’s offered in school.

Drivers should understand that some credits don’t apply the the whole policy. Most only cut specific coverage prices like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

Compare online but buy from a local Fort Worth agent

Certain consumers would prefer to sit down with an agent and that is just fine! One of the best bonuses of getting online price quotes is you can get better rates and still choose a local agent.

For easy comparison, once you complete this simple form, the coverage information is submitted to agents in your area who will return price quotes to get your business. There is no need to leave your house since price quotes are sent to the email address you provide. Now that’s easy! Get lower rates and a licensed agent to work with.

Deciding on a company should depend on more than just the price. Any agent should have no problem answering these questions:

  • If you have an accident, will your rates go up?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • What is the agency’s Better Business Bureau rating?
  • Do they specialize in personal lines coverage?
  • Do they carry Errors and Omissions coverage?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • If they are an independent agency, which companies do they recommend?

What types of insurance agencies are in Fort Worth?

When searching for a local agent, there are a couple of types of agencies that you can select. Insurance agencies in Fort Worth are either captive or independent (non-captive).

Agency Captives

Captive agencies are contracted to one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to shop your coverage around so always compare other rates. These agents are trained well on the products they sell which helps them sell insurance even at higher premiums.

Listed below is a short list of captive insurance agencies in Fort Worth who can help you get price quotes.

State Farm Insurance – 3616 Altamesa Blvd # 101 – Fort Worth, TX 76133 – (817) 292-4777
Farmers Insurance Group – 4101 Airport Fwy – Fort Worth, TX 76117 – (817) 831-6201
Allstate Insurance – 2601 S Cherry Ln – Fort Worth, TX 76116 – (817) 560-2223
Liberty Mutual Insurance – 210 W 6th St # 925 – Fort Worth, TX 76102 – (817) 332-9626

Independent Insurance Agents

These agents are not employed by any specific company but rather can write business with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency.

When shopping rates, it’s recommended you get quotes from several independent insurance agents to have the most options to choose from.

Texas car insurance prices

Listed below is a short list of independent insurance agents in Fort Worth that are able to give price quote information.

Lucien Wright Agency – 1200 West Fwy # 200 – Fort Worth, TX 76102 – (817) 335-3400
Alamo Auto Insurance – 4200 South Fwy # 1063 – Fort Worth, TX 76115 – (817) 927-8000
Gilbert Insurance – 7825 Noneman Dr – Fort Worth, TX 76180 – (817) 788-2800
Lay Williams Agency – 3112 Forest Ave – Fort Worth, TX 76112 – (817) 451-8783
Legacy Connections Agency – 1001 Oak Forest Dr – Fort Worth, TX 76114 – (817) 377-9944

To view a full list of car insurance agents in Fort Worth, visit this site.

After getting good answers to these questions and an affordable coverage quote, you may have just found an insurance agency that is a good match to service your policy.

Even more information is available at the Texas Department of Insurance website. Consumers can read state legal mandates and laws, find disaster information, and find out industry alerts.

Shop smart and save

Throughout this article, we presented quite a bit of information on how to reduce car insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from a small local company. They can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

Budget-conscious car insurance is possible online as well as from independent agents in Fort Worth, and you need to price shop both to have the best selection. Some insurance companies don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.