The words “low-cost” and “insurance” probably shouldn’t be used together, especially when trying to find the cheapest auto insurance for a school permit. Let’s teach you some things that have an effect on auto insurance prices, and see if you can take the sting out of the next policy you buy.
Deciphering which companies offer the cheapest auto insurance rates for a school permit may require a bit more work than just comparing rates from one or two companies. Each insurer has their own unique process for setting rates, so let’s take a look at the overall cheapest auto insurance companies in Arlington.
We do need to point out that Arlington, TX auto insurance rates are based on many factors which can significantly increase or decrease your annual premium. Turning one year older, moving to a new city, or getting a ticket for running a stop sign can trigger changes in premium that can now make some companies more affordable than the competition.
Find the Cheapest Auto Insurance for Students
Travelers offers some of the cheapest car insurance rates in Arlington at around $1,021 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the more affordable Arlington, TX car insurance companies.
As shown above, if you are a customer of Germania Mutual and switched to USAA, you might see an annual savings of in the vicinity of $128. Policyholders with Esurance could save as much as $251 a year, and California Casualty insureds might reduce rates by $310 a year.
Understand that those policy rates are averaged across all drivers and vehicles and are not factoring in an exact vehicle garaging location for a school permit. So the car insurance company that fits your situation best may not even be in the top 23 companies in the list above. That point stresses why you need to get quotes using your own driver data and vehicle information.
For a learners permit, one of the more important considerations that determine car insurance rates is your zip code. Areas with a lot of weather claims or more people will most likely pay more, whereas areas that tend to be more rural benefit from lower rates.
The next table rates the most expensive areas in Texas for a school permit to buy an auto insurance policy in. Arlington is listed at #16 with a yearly premium of $1,658 for coverage, which is approximately $138 per month.
|Rank||City||Premium Per Year|
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Annual rates are comparative as specific location information can raise or lower insurance rates significantly.
The make and model of vehicle you are seeking coverage for is one of the largest considerations when looking for cheap car insurance for a school permit. Vehicles with higher performance characteristics, poor safety ratings, or high incidents of liability claims will cost quite a bit more to insure than safer models.
The information below estimates insurance costs for some of the cheapest vehicles to buy insurance for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$3,835|
|Honda CR-V EX-L 2WD||$3,870|
|Ford Escape Limited 4WD||$4,102|
|Dodge Grand Caravan SE||$4,318|
|Jeep Wrangler Rubicon 4WD 2-Dr||$4,326|
|Honda Civic DX 4-Dr Sedan||$4,515|
|Ford Edge SEL 2WD||$4,524|
|Chevrolet Impala LS||$4,515|
|Toyota RAV4 Limited 4WD||$4,550|
|Volkswagen Jetta LE 4-Dr Sedan||$4,557|
|Jeep Grand Cherokee Laredo 2WD||$4,550|
|Ford Explorer Limited AWD||$4,586|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$4,593|
|Ford F-150 FX4 Super Cab 4WD||$4,586|
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Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in garaging location in Arlington, TX which can decrease or increase coverage prices noticeably.
By looking at the data, we can tell that makes and models like the Honda Accord, Honda CR-V, Ford Escape, Toyota Prius, and Dodge Grand Caravan should be a few of the cheapest vehicles to insure for a learners permit. Car insurance rates will tend to be more expensive just due to the fact that there is more liability exposure for a school permit, but generally speaking those particular models will have the best rates compared to all other vehicles.
The example below illustrates how choosing a deductible can increase or decrease insurance costs when getting quotes for cheap insurance for a school permit. The premiums are based on a married female driver, full physical damage coverage, and no discounts are factored in.
In the chart above, a 50-year-old driver could lower rates by $260 a year by switching from a $100 deductible up to a $500 deductible, or save $394 by selecting a $1,000 deductible. Younger drivers, like the Age 20 category, could roll back prices as much as $646 each year by choosing a higher deductible. If you make the decision to raise deductibles, it will now be necessary to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
How to get discounts on Arlington insurance
Insurers that provide coverage for a school permit may have special discounts that could reduce prices by 25% or more if you are eligible. A list of auto insurance companies and some of the premium reductions they offer can be read below.
- Mercury Insurance may include discounts for type of vehicle, multi-policy, ease of repair, annual mileage, and anti-theft.
- Farmers Insurance has savings for switch companies, good student, early shopping, homeowner, alternative fuel, teen driver, and pay in full.
- Farm Bureau offers premium reductions for renewal discount, youthful driver, good student, multi-policy, multi-vehicle, and safe driver.
- State Farm offers discounts including accident-free, multiple policy, passive restraint, student away at school, and driver’s education.
- Allstate has discounts for farm vehicle, good payer, passive restraint, anti-lock brakes, good student, EZ pay plan discount, and utility vehicle.
- GEICO may have discounts that include military active duty, anti-theft, federal employee, seat belt use, good student, and multi-policy.
The chart below compares insurance rates with and without discounts being applied to the rates. The premiums are based on a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with paperless filing, good student, continuous coverage, passive restraint, paid-in-full, and anti-theft discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for a school permit is 28% or $667.
Texas auto insurance companies ranked
Insuring your vehicle with a highly-rated car insurance company is hard considering how many companies sell insurance in Arlington. The ranking information shown below can help you pick which car insurance companies you want to consider to insure your vehicles.
The rankings below include companies that insure vehicles nationwide, so smaller companies are not included in the list. If you’d like to compare prices from these companies and more, click here.
Top 10 Major Auto Insurers in Arlington Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
How to find low-cost insurance for a school permit
Below you’ll find some penny-pinching ideas that can help Arlington drivers quote cheaper coverage.
- Good credit can help you save money
- At-fault accidents can raise rates significantly
- Multi-policy discounts save money
- Safe vehicles cost less to insure
- Save money by insuring older vehicles for liability only
- Compare rate quotes frequently
That last idea is remarkably valuable, as we discussed in the article above. Insurance rates change constantly, so don’t be unwilling to switch to a new company if you can find a cheaper rate.
Brand loyalty is not necessarily bad, but we do not recommend it if that stubbornness costs you thousands of dollars over the life of your policy. Now is a great time to shop around and find cheaper insurance for a school permit in Arlington.
If you like to have the advice of a professional agent when trying to find lower insurance rates for a learners permit, the insurance agencies below can most likely provide answers to your questions and help you determine which auto insurance policy fits you best. To locate an agency close to you, click the link at the bottom.
Sun West Insurance Agency Inc
600 Six Flags Dr #102 – Arlington, TX 76011 – (817) 261-1101
Jesus Sanchez – State Farm Insurance Agent
3330 Matlock Rd #124 – Arlington, TX 76015 – (817) 468-3338
TJ Villarreal – State Farm Insurance Agent
851 NE Green Oaks Blvd – Arlington, TX 76006 – (817) 461-0000
Nationwide Insurance: The Hulett Agency Inc
3010 W Park Row Dr – Arlington, TX 76013 – (817) 461-3251