The words “affordable” and “insurance” really should not be used together, especially when shopping around for the lowest insurance prices for government employees. Let’s take a look at some of the factors that help determine insurance prices, and see how we can help you cut the cost of the next policy you buy.
Deciphering which company has the cheapest car insurance rates for government employees calls for a tad more effort in order to find the lowest price. Every car insurance company has a proprietary method to set policy rates, so we need to take a look at the most competitive car insurance companies in Texas.
It’s a good idea to be aware that Arlington, TX car insurance rates are determined by lots of factors that will increase or decrease the cost of coverage. Simply improving your credit, getting married, or getting a DUI may prompt premium changes that can make some companies cheaper than others.
Best Auto Insurance Prices in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
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Travelers may offer some of the best car insurance rates in Arlington at around $1,052 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the cheapest Arlington, TX auto insurance companies.
As the rates illustrate above, if you are currently insured with Germania Mutual and switched to Travelers, you might see annual savings of upwards of $242. Texas drivers with Esurance might save as much as $327 a year, and California Casualty policyholders might lower prices by $344 a year.
Remember that these prices are averaged across all ages of drivers and types of vehicles and and are not figured with an exact zip code location for government employees. So the car insurance company that fits your needs best may not even be in the top 23 companies shown above. That affirms the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.
One of the more important things that are looked at to determine the amount you pay for auto insurance is the neighborhood you call home. More populated areas tend to have higher rates, whereas more rural areas get the luxury of paying less.
The next table lists the most expensive places in Texas for government employees to buy auto insurance in. Arlington ranks #15 with a yearly premium of $1,709 for the average policyholder, which is around $142 per month.
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Table data uses comparative as zip code location can decrease or increase prices considerably.
How violations and accidents impact rates
The easiest way to maintain low car insurance prices for state and federal workers is to drive attentively and avoid accidents and traffic citations. The chart below illustrates how violations and at-fault fender-benders can raise insurance costs for different age groups of insureds. The rates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
In the previous example, the average cost of a car insurance policy in Arlington per year with a clean driving record and no accidents is $1,708. Receive one speeding ticket and the average cost jumps to $1,961, an increase of $253 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for government employees increases to an average of $4,147. That’s an increase of $2,439, or $203 per month, just for being a little careless behind the wheel!
The information below highlights how deductible selection can increase or decrease insurance costs when searching for cheap insurance for government employees. The information is based on a single female driver, full physical damage coverage, and no discounts are applied to the premium.
As shown above, a 40-year-old driver could lower rates by $408 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $612 by changing to a $1,000 deductible. Youthful drivers, such as the Age 20 example, could reduce their rates up to $1,048 annually by using a higher deductible. When using a larger deductible, it will be necessary to have enough in a savings account to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
How to find the cheapest auto insurance for government employees
Lowering your rates is not difficult, and here are some penny-pinching suggestions that can help Texas drivers locate lower-cost coverage.
- Safe vehicles cost less to insure
- Do not pay for full coverage if not needed
- Be a safe driver
- Increase your credit score
- Higher deductibles mean lower rates
- Avoid accidents
- Shop around once a year for cheaper rates
That last idea is notably necessary, as we pointed out in this write-up. Insurance rates in Arlington adjust often, so don’t be hesitant to buy a policy from a new company if you can find a cheaper rate. Brand loyalty is not necessarily bad, but is isn’t recommended if your bullheadedness ends up costing you thousands of dollars over several years. Spend a few minutes and shop around to find cheaper car insurance for government employees.
If you prefer to have a little guidance when shopping for the best coverage for government employees, the agencies below can provide answers to your questions and help you determine which coverages are best. To locate an Arlington insurance agent closest to you, click the button following the list or click here to compare price quotes.
Aramex Insurance Agency
1523 New York Ave – Arlington, TX 76010 – (800) 711-1418
Low Rate Insurance Agency
1900 E Abram St – Arlington, TX 76010 – (817) 635-0375
Farmers Insurance – Fred Worthey
3620 S Cooper St #110 – Arlington, TX 76015 – (817) 465-4445
Allstate Insurance: Thomas R. Crutchfield
214 S Mesquite St – Arlington, TX 76010 – (817) 861-1977
Mike Zapata – State Farm Insurance Agent
1115 E Pioneer Pkwy #140 – Arlington, TX 76010 – (817) 277-2021