No normal person gets a kick out of paying for auto insurance, especially when they know they could lower their rates if they shopped around.
Unbelievable but true according to a study a large majority of auto insurance policyholders have been with the same company for at least four years, and practically 40% of auto insurance customers have never shopped around. Arlington insurance shoppers could save themselves nearly $1,800 a year by just shopping around, but they just feel it’s too hard to find affordable rates by getting comparison quotes.
Big-name insurance companies like Allstate, Progressive and GEICO promote their brand names with ads and it can be hard to ignore the propaganda and find the best price available.
Get Cheaper Insurance Costs by Understanding These Factors
Many different elements are used when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although some other factors are less apparent like your vehicle usage and annual miles driven. Consumers need to have an understanding of a few of the rating criteria that aid in calculating the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower car insurance prices.
- How’s your driving record? – How you drive impacts premiums far more than you think. Getting just one ticket can bump up the cost substantially. Attentive drivers have lower premiums compared to drivers with tickets. Drivers who have dangerous tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to legally drive a vehicle.
- Extra policy coverages could be costing you – Insurance policies have a lot of extra coverages that may not really be needed if you aren’t diligent. Add-on coverages like coverage for rental cars, accident forgiveness, and Farm Bureau memberships are examples of these. You may think they are a good idea when talking to your agent, but if you don’t need them eliminate them to save money.
- Older drivers save more – Older people are more responsible, cost insurance companies less in claims, and tend to be get fewer driving tickets. Drivers with little experience tend to be inattentive and easily distracted behind the wheel and because of this, their car insurance rates are much higher.
- Combine home and auto and save – The majority of companies will award discounts to customers that have more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, it’s always a smart idea to get quotes from other companies to help ensure you have the lowest rates.
- Save by driving less – Driving more miles annually the more you will pay for car insurance. Almost all companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos that sit idle most of the time receive lower rates than cars that get driven a lot. Improper usage on your GS 200t is just wasting money. Make sure your car insurance policy properly reflects the proper vehicle usage.
- Protect yourself with liability insurance – The liability section of your policy will protect you if ever you are responsible for physical damage or personal injury to other. Liability insurance provides you with a defense in court which can be incredibly expensive. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
- Never let your car insurance lapse – Letting your insurance expire is a guaranteed way to pay more for car insurance. And not only will insurance be more expensive, getting caught without coverage might get you fines or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with the Texas DMV.
- Five star safety rating saves money – Cars with five star safety ratings tend to have lower insurance rates. The safest vehicles protect occupants better and lower injury rates means less money paid by your insurance company and cheaper rates on your policy. If your Lexus GS 200t has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
The best way we recommend to compare policy rates for Lexus GS 200t insurance in Arlington is to understand most larger insurance companies participate in a system to provide you with free rate quotes. To begin a comparison, all you need to do is take a few minutes to give details including whether you have decent credit, your education level, coverage limits, and distance driven. Your information is automatically sent to many highly-rated insurers and you get price estimates with very little delay.
If you would like to start a quote now, click here and complete the form.
The companies in the list below are our best choices to provide comparison quotes in Arlington, TX. If you want the best auto insurance in Arlington, TX, we suggest you compare several of them to get the cheapest price.
Car insurance is not optional in Texas
Despite the high insurance cost for a Lexus GS 200t in Arlington, buying car insurance is required in Texas but also provides important benefits.
- Almost all states have minimum liability requirements which means the state requires a specific minimum amount of liability protection in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Lexus GS 200t has a loan, more than likely the lender will stipulate that you have full coverage to guarantee their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Lexus at a more expensive rate and force you to pay a much higher amount than you were paying before.
- Car insurance protects not only your vehicle but also your financial assets. It will also provide coverage for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your Lexus gets damaged, your policy will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car definitely exceed the price paid, particularly when you have a large claim. The average driver in Texas overpays as much as $830 a year so we recommend shopping around once a year at a minimum to make sure the price is not too high.
Lower rates by qualifying for discounts
Auto insurance companies don’t list every policy discount in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find credits available to lower your premiums when you buy Arlington auto insurance online.
- Pay Early and Save – If paying your policy premium upfront rather than paying in monthly installments you could save up to 5%.
- Sign Early and Save – Some larger companies give discounts for switching companies prior to the expiration date on your current GS 200t insurance policy. You could save around 10% when you buy Arlington auto insurance online.
- Defensive Driver Discounts – Taking time to complete a course in safe driver could possibly earn you a 5% discount if you qualify.
- Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase some life insurance in addition to your auto policy.
- Senior Citizens – Drivers over the age of 55 can get a slight reduction on a Arlington auto insurance quote.
- Professional Organizations – Being in a professional or civic organization could qualify you for a break when shopping for car insurance.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on medical payment and PIP coverage.
You should keep in mind that some of the credits will not apply to the whole policy. Most cut individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
Larger car insurance companies and a selection of discounts are included below.
- Progressive may have discounts that include good student, online signing, multi-policy, online quote discount, multi-vehicle, continuous coverage, and homeowner.
- Farmers Insurance has savings for pay in full, mature driver, good student, bundle discounts, switch companies, and multi-car.
- Farm Bureau offers discounts including good student, safe driver, 55 and retired, multi-policy, renewal discount, and youthful driver.
- State Farm offers premium reductions for multiple policy, good student, passive restraint, accident-free, and driver’s education.
- GEICO may include discounts for anti-lock brakes, air bags, driver training, daytime running lights, good student, emergency military deployment, and multi-policy.
- SAFECO discounts include safe driver, teen safe driver, accident prevention training, bundle discounts, drive less, and homeowner.
- Liberty Mutual may offer discounts for new graduate, newly married, multi-policy, exclusive group savings, and preferred payment discount.
When getting free Arlington auto insurance quotes, it’s a good idea to every company to apply every possible discount. Some discounts may not be available in Arlington.
Car insurance is available from agents near you
Many people just want to visit with an insurance agent and we recommend doing that A good thing about getting free rate quotes online is that you can find cheap rate quotes but also keep your business local. Putting coverage with neighborhood agents is important especially in Arlington.
By using this quick form, your insurance data is transmitted to insurance agents in Arlington that can give you free Arlington auto insurance quotes for your business. There is no reason to even leave your home since price quotes are sent immediately to you. You can most likely find cheaper rates without having to waste a lot of time. If for some reason you want to compare rates from a particular provider, you can always go to their quote page to submit a rate quote request.
When searching for a good insurance agency, there are a couple of types of agencies and how they can quote your rates. Car insurance agencies are either independent or exclusive depending on the company they work for.
Independent Car Insurance Agencies or Brokers
Independent agents often have many company appointments so they can quote policies with multiple insurance companies and find you cheaper rates. If you want to switch companies, they simply switch companies in-house and that require little work on your part.
When comparing rates, we recommend you get some free quotes from a few independent agents to ensure the widest selection of prices.
Listed below is a list of independent insurance agencies in Arlington who may be able to give you pricing information.
All Texas Insurance Inc
5721 Interstate 20 W # 110, Arlington, TX 76018 – Arlington, TX 76017 – (214) 330-0033 – View Map
Exclusive Insurance Agencies
Exclusive agencies write business for a single company and some examples include Farmers Insurance or State Farm. These agents are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. They receive extensive training on what they offer which helps them sell insurance even at higher premiums.
The following is a short list of exclusive agencies in Arlington that can give you comparison quotes.
Finding the right insurance agent requires you to look at more than just the bottom line cost. Any agent in Arlington should have no problem answering these questions:
- Is the agent and/or agency licensed to do business in Texas?
- How many years of experience in personal auto insurance do they have?
- Is the agency covered by Errors and Omissions coverage?
- Is the agent CPCU or CIC certified?
- If you are a high risk driver, do they have special markets for your coverage?
- How long have they been in business?
Insurance can be complex
When it comes to buying your policy for your personal vehicles, there is no “perfect” insurance plan. Every situation is different.
These are some specific questions can help discover if you may require specific advice.
- What should my uninsured motorist coverage limits be in Texas?
- What is covered by UM/UIM coverage?
- When should I not buy collision coverage?
- Where can I find DUI or SR-22 insurance?
- Does my car insurance cover rental cars?
- Is my babysitter covered when using my vehicle?
- How much can I save by bundling my policies?
- Which companies will insure high-risk drivers?
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form.
One last thing about your coverage
We covered many tips how you can compare Lexus GS 200t insurance prices in Arlington. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best prices are with some of the smallest insurance companies.
People leave their current company for a variety of reasons including poor customer service, being labeled a high risk driver, high prices or an unsatisfactory settlement offer. Whatever your reason, switching insurance companies is easier than you think.
More affordable insurance in Arlington can be purchased both online as well as from insurance agents, so get free Arlington auto insurance quotes from both of them to have the best rate selection. Some companies do not offer online quoting and usually these small, regional companies provide coverage only through independent agents.
How to find low-cost Lexus GS 200t insurance in Arlington
The preferred way to get cheaper car insurance rates is to annually compare prices from insurers who provide auto insurance in Arlington.
- First, learn about how companies price auto insurance and the changes you can make to prevent high rates. Many things that increase rates like accidents, careless driving, and an unacceptable credit rating can be amended by making minor changes to your lifestyle.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive and State Farm, while independent agents can quote rates for a wide range of companies.
- Third, compare the price quotes to your existing rates to see if a cheaper price is available. If you find a better price and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, tell your current company to cancel your current auto insurance policy and submit a down payment along with a completed application to your new agent or company. As soon as you have the new policy, safely store the certificate verifying proof of insurance in your glove compartment.
An important bit of advice to remember is to try to use identical limits and deductibles on every quote request and and to compare as many companies as possible. This guarantees a level playing field and plenty of rates choose from.
Even more information is located at these sites:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- How Much are Car Insurance Rates for a Ford F-150 in Arlington? (FAQ)
- What Insurance is Cheapest for Low Mileage Drivers in Arlington? (FAQ)
- Who Has Cheap Car Insurance Quotes for Handicapped Drivers in Arlington? (FAQ)
- Who Has the Cheapest Auto Insurance for Police Officers in Arlington? (FAQ)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- What is Gap Insurance? (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)