Establishing which companies offer the cheapest car insurance rates for 4×4 vehicles will require a little more work in order to find the most economical policy. Each auto insurer has a proprietary method to set their prices, so to begin we’ll rank the car insurance companies that tend to be cheaper in Arlington, TX.
Find Cheaper Auto Insurance for 4×4’s
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
|Find Your Rate Go|
Travelers generally has some of the best car insurance rates in Arlington at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also rank well as some of the cheaper Arlington, TX car insurance companies.
In the above rates, if you currently have a policy with Germania Mutual and switched to Travelers, you might see yearly savings of upwards of $272. Insureds with California Casualty might save as much as $386 a year, and Esurance insureds might see rate reductions of $411 a year.
These prices are averages for all types of drivers and the different vehicles they drive and are not factoring in a specific vehicle garaging location for 4×4 vehicles. So the auto insurance company that can offer you the lowest price may not even be in the list above. That points out the importance of why you need to compare prices as often as possible using your own driver information and specific vehicle type.
The car, truck, or SUV that is being insured is one of the biggest factors when quoting the lowest-priced coverage for 4×4 vehicles. Vehicles with lots of speed or power, a lack of modern safety features, or a history of substantial liability claims will cost more to insure than safer models. The data below illustrates insurance prices for a selection of the most budget-friendly vehicles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Ford Escape Limited 4WD||$1,110|
|Volkswagen Jetta 2.0T Station Wagon||$1,197|
|Honda Accord EX 4-Dr Sedan||$1,257|
|Toyota Camry SE||$1,277|
|Chevrolet Impala LTZ||$1,287|
|Honda CR-V EX-L 4WD||$1,287|
|Ford Edge SE 2WD||$1,293|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$1,300|
|Nissan Rogue SL AWD||$1,365|
|Hyundai Sonata Limited 4-Dr Sedan||$1,388|
|Toyota RAV4 Limited 4WD||$1,392|
|Ford F-150 XLT Crew Cab 2WD||$1,408|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,413|
|Dodge Ram 2500 Mega Cab SLT 4WD||$1,411|
|Start a Quote Go|
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Prices do not factor in zip code location which can affect premiums significantly.
Looking at the numbers, you can presume that cars like the Ford Escape, Volkswagen Jetta, Honda Accord, Toyota Camry, and Chevrolet Impala will definitely be the most budget-friendly vehicles to insure for off-road vehicles.
One of the more important components that determine the cost of insurance is where you live in Arlington. More densely populated places tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.
The next table rates the most expensive cities in Texas for 4×4 vehicles to buy an auto insurance policy in. Arlington is ranked #15 with a yearly cost of $1,709 for the average insurance policy, which is around $142 monthly.
|Find the Best Rates Go|
Prices are comparative as specific Arlington zip code can modify insurance rates substantially.
The example below illustrates how your choice of deductibles can affect insurance premiums when quoting cheap insurance for 4×4 vehicles. The premiums are based on a married male driver, comp and collision included, and no policy discounts are applied.
As shown above, a 50-year-old driver could pocket $372 a year by switching from a $100 deductible up to a $500 deductible, or save $560 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old example, could possibly save as much as $1,240 annually just by choosing higher deductibles. If you do raise deductibles, it will be important to have plenty of savings on hand to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Rate comparison of full coverage and liability-only
Saving on car insurance is important to the majority of vehicle owners, and one easy way to find cheap insurance for 4×4 vehicles is to not insure for full coverage. The illustration below shows the difference between annual premium costs when comparing full coverage to liability only. The data assumes no claims, a clean driving record, $100 deductibles, drivers are single, and no other discounts are factored in.
If the expense is averaged for all age categories, physical damage coverage on your policy costs an additional $2,181 per year more than just buying liability insurance. That is a significant amount which raises the question if paying for full coverage is worth it. There is no set rule for excluding physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
The Arlington car insurance agencies listed below are willing to provide answers to your questions and help you determine which insurance coverage you need, as lots of drivers aren’t clear which coverage they need and would like to have the advice of a professional agent when shopping for cheaper insurance for 4×4 vehicles. It can be time-consuming to find the best coverage on your own, and insurance agents licensed in the state of Texas can bring comfort knowing your coverage gives you enough protection.
To locate an Arlington auto insurance agent near you, click the button below the list or click here to compare price quotes now.
- Shane Ferrell Insurance Agency
3926 W Pioneer Pkwy – Arlington, TX 76013 – (817) 635-4663
- John Martinek – State Farm Insurance Agent
3705 W Green Oaks Blvd – Arlington, TX 76016 – (817) 492-9900
- Low Rate Insurance Agency
1900 E Abram St – Arlington, TX 76010 – (817) 635-0375
- Nationwide Insurance: The Hulett Agency Inc
3010 W Park Row Dr – Arlington, TX 76013 – (817) 461-3251
How to find more affordable auto insurance for 4×4 vehicles
The list below details some of the recommended penny-pinching solutions that can help Arlington drivers get cheaper auto insurance.
- Maintain a safe distance and avoid accidents
- Ensure your driving record is clean
- Good credit can mean cheaper rates
- Higher deductibles save money
- Vehicles with good safety ratings have lower liability rates
- Shop around and save
That last piece of advice is incredibly significant, as was affirmed in this article. Coverage prices in Arlington can be changed at any time, so don’t be hesitant to switch companies if you find a better deal.
Many drivers prefer to stick with one company, but it isn’t a good idea if it’s costing you big bucks every year. In just a couple of minutes you could compare rates to find cheaper car insurance for 4×4 vehicles.