How many times have you told yourself to find lower-priced auto insurance rates in Arlington, TX? Arlington shoppers have a choice when shopping for low-cost Saturn Outlook insurance. They can either spend hours struggling with agents getting price quotes or use the internet to get rate quotes. There is a better way to shop for auto insurance and we’ll show you the best way to price shop coverage for a Saturn and find the lowest price from Arlington insurance agents and online providers.
Locating the best rates in Arlington is not that difficult. If you have insurance now, you stand a good chance to be able to reduce the price you pay using the following tips. Smart buyers just have to understand the proper way to get comparison rates from many different companies.
Shop Saturn Outlook insurance online
The majority of larger companies such as GEICO, State Farm and Progressive allow consumers to get prices for coverage on the web. This process is fairly simple because you just enter the coverages you want on the page. Upon sending the form, their rating system gets information on your driving record and credit history and returns a price based on these factors.
Getting online rate quotes for Saturn Outlook insurance in Arlington makes comparing rates easy, and it’s also necessary to do this if you are searching for the best rate on auto insurance.
To fill out one form to compare multiple rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you type in coverages and limits exactly as they are listed on your policy. This ensures you will receive a fair comparison using the same coverage and limits.
The following companies are ready to provide free rate quotes in Arlington, TX. In order to find the best car insurance in Texas, it’s a good idea that you compare several of them to get the most competitive price.
Insurance statistics for a Saturn Outlook
The table shown below showcases a range of coverage costs for Saturn Outlook models. Being able to understand how insurance rates are formulated is important for making decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outlook XE 2WD||$264||$460||$462||$28||$138||$1,352||$113|
|Outlook XV 2WD||$264||$460||$462||$28||$138||$1,352||$113|
|Outlook XE Premium 2WD||$294||$542||$462||$28||$138||$1,464||$122|
|Outlook XE AWD||$294||$542||$462||$28||$138||$1,464||$122|
|Outlook XE Premium AWD||$294||$542||$462||$28||$138||$1,464||$122|
|Outlook XR-L 2WD||$294||$542||$462||$28||$138||$1,464||$122|
|Outlook XR-L AWD||$294||$542||$462||$28||$138||$1,464||$122|
|Outlook XR-L Premium 2WD||$294||$542||$462||$28||$138||$1,464||$122|
|Outlook XR-L Premium AWD||$294||$542||$462||$28||$138||$1,464||$122|
|Get Your Own Custom Quote Go|
Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can increase or decrease premiums noticeably.
Can higher deductibles save money?
One of the hardest decisions when shopping for insurance is at what level do you set your deductibles. The following tables help summarize how much more rates are when you buy lower versus higher comp and collision deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outlook XE 2WD||$332||$496||$382||$22||$114||$1,371||$114|
|Outlook XV 2WD||$332||$496||$382||$22||$114||$1,371||$114|
|Outlook XE Premium 2WD||$370||$584||$382||$22||$114||$1,497||$125|
|Outlook XE AWD||$370||$584||$382||$22||$114||$1,497||$125|
|Outlook XE Premium AWD||$370||$584||$382||$22||$114||$1,497||$125|
|Outlook XR-L 2WD||$370||$584||$382||$22||$114||$1,497||$125|
|Outlook XR-L AWD||$370||$584||$382||$22||$114||$1,497||$125|
|Outlook XR-L Premium 2WD||$370||$584||$382||$22||$114||$1,497||$125|
|Outlook XR-L Premium AWD||$370||$584||$382||$22||$114||$1,497||$125|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outlook XE 2WD||$206||$312||$382||$22||$114||$1,036||$86|
|Outlook XV 2WD||$206||$312||$382||$22||$114||$1,036||$86|
|Outlook XE Premium 2WD||$228||$368||$382||$22||$114||$1,114||$93|
|Outlook XE AWD||$228||$368||$382||$22||$114||$1,114||$93|
|Outlook XE Premium AWD||$228||$368||$382||$22||$114||$1,114||$93|
|Outlook XR-L 2WD||$228||$368||$382||$22||$114||$1,114||$93|
|Outlook XR-L AWD||$228||$368||$382||$22||$114||$1,114||$93|
|Outlook XR-L Premium 2WD||$228||$368||$382||$22||$114||$1,114||$93|
|Outlook XR-L Premium AWD||$228||$368||$382||$22||$114||$1,114||$93|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in vehicle garaging location which can raise or lower insurance rates greatly.
Based on this data, using a $250 deductible will cost you roughly $32 more each month or $384 every year averaged for all Outlook models than choosing the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 23 months between claim filings, you would probably come out ahead by going with a higher deductible.
How accidents and violations affect rates in Arlington
The information below illustrates how traffic citations and accidents impact Saturn Outlook insurance rates for different age groups. The premiums assume a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
Insurance rates based on gender
The example below illustrates the difference between Saturn Outlook insurance prices for male and female drivers. The rate quotes are based on no claims or driving violations, full coverage, $100 deductibles, single status, and no discounts are applied.
Cost comparison with and without full coverage
The illustration below shows the difference between Saturn Outlook auto insurance costs with full coverage compared to only the Texas minimum liability coverage. The premiums are based on no accidents or driving violations, $500 deductibles, drivers are single, and no discounts are factored in.
When to drop comprehensive and collision coverage
There isn’t a steadfast formula to drop physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s say your Saturn Outlook settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after you pay the deductible. If premiums are more than $200 annually for physical damage coverage, then you might consider buying liability only.
There are some conditions where dropping physical damage coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Best reasons to buy insurance in Texas
Even though Arlington Outlook insurance rates can get expensive, buying insurance is required by state law in Texas and it also provides benefits you may not be aware of.
- Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability protection in order to drive the car. 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 Saturn has a lienholder, it’s most likely the lender will stipulate that you have insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Saturn for a much higher rate and make you pay for it.
- Insurance preserves not only your car but also your assets. It will also reimburse you for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay to defend you if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your car greatly outweigh the cost, particularly when you have a large claim. The average driver in America is currently overpaying as much as $800 each year so smart consumers compare quotes once a year at a minimum to ensure rates are competitive.
Six discounts for affordable car insurance rates
Car insurance companies do not advertise every possible discount in a way that’s easy to find, so the list below gives a summary of a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.
- Theft Deterrent Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Senior Citizens – Drivers that qualify as senior citizens may be able to get better car insurance rates.
- Student Driver Training – Cut your cost by having your teen driver successfully take a driver’s education course as it can save substantially.
- Low Mileage Discounts – Low mileage vehicles may enable drivers to earn lower prices due to less chance of an accident.
- Active Service Discounts – Being deployed in the military may qualify for rate reductions.
- Discount for Multiple Policies – If you combine your auto and home policies with the same company you could save at least 10 to 15 percent or more.
While discounts sound great, it’s important to understand that most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. Even though it appears adding up those discounts means a free policy, you won’t be that lucky.
The information below shows the comparison of Saturn Outlook car insurance rates with and without policy discounts. The costs are based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-car, marriage, and multi-policy discounts applied.
A few popular companies and some of the discounts are detailed below.
- Farmers Insurance may have discounts that include youthful driver, good student, mature driver, business and professional, and early shopping.
- Esurance offers premium reductions for safety device, good driver, paid-in-full, claim free, multi-car, and Switch & Save.
- State Farm may include discounts for defensive driving training, good student, accident-free, student away at school, good driver, and Steer Clear safe driver discount.
- GEICO discounts include daytime running lights, emergency military deployment, anti-theft, anti-lock brakes, multi-policy, and membership and employees.
- Allstate policyholders can earn discounts including teenSMART discount, passive restraint, new car, 55 and retired, defensive driver, senior citizen, and utility vehicle.
When getting a coverage quote, ask all the companies how many discounts you can get. Savings may not be offered in Arlington.
How to know if you need help
When quoting and choosing coverage for your vehicles, there really is not a one size fits all plan. You are unique.
For example, these questions can aid in determining if you could use an agent’s help.
- Can I still get insurance after a DUI?
- What does medical payments coverage do?
- Are my friends covered when driving my car?
- If I use my vehicle for business use is it covered?
- Is my custom paint covered by insurance?
- Am I covered if I hit someone who is not insured?
- Will my Saturn Outlook be repaired with OEM or aftermarket parts?
- Who does medical payments coverage extend to?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.
Do I need a local insurance agent?
Many people just want to have an agent’s advice and doing that can be a smart decision Professional insurance agents are trained risk managers and help submit paperwork. A good thing about comparing rates online is the fact that you can find the best rates and also buy local.
After filling out this simple form, your information is emailed to companies in Arlington who can give free rate quotes for your car insurance coverage. You won’t need to find an agent because quoted prices will be sent directly to your email. If you want to get a rate quote from one company in particular, you just need to go to their quote page and fill out the quote form the provide.
Picking an provider should depend on more than just a cheap price. Any agent in Arlington should be forthright in answering these questions:
- Is the agent properly licensed in Texas?
- Which companies do they recommend if they are an independent agency?
- Does the agency provide any after hours assistance?
- Are they actively involved in the community?
- Who is covered by the car insurance policy?
- Do they receive special compensation for putting your coverage with one company over another?
What types of auto insurance agents are in Arlington?
When narrowing the list to find an insurance agent, you need to know there are two different types of agencies that differ in how they can insure your vehicles. Arlington agents may be either exclusive agents or independent agents. Either one can do a good job, but it is a good idea to know the difference between them because it can influence the type of agent you choose.
Exclusive Insurance Agents
Exclusive insurance agents can only provide one company’s prices such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so always compare other rates. Exclusive agents are very knowledgeable on sales techniques which helps overcome the inability to quote other rates. Drivers often buy from the same agent for years primarily because of the brand name rather than low price.
Below are exclusive agents in Arlington who can help you get price quote information.
- Bill Martensen – State Farm Insurance Agent
4412 Matlock Rd #100 – Arlington, TX 76018 – (817) 465-2122 – View Map
- Farmers Insurance – Philip Szurek
2614 W Arkansas Ln – Arlington, TX 76016 – (817) 303-3880 – View Map
- Allstate Insurance: Thomas R. Crutchfield
214 S Mesquite St – Arlington, TX 76010 – (817) 861-1977 – View Map
Independent Insurance Agents
Independent agents often have many company appointments so as a result can place your coverage with multiple insurance companies and get you the best rates possible. If you want to switch companies, the business is moved internally and the insured can keep the same agent. When comparing car insurance rates, we recommend you get rate quotes from multiple independent agents in order to compare the most rates. Most also have access to smaller companies which can save you money.
Below is a list of independent agents in Arlington who can help you get comparison quotes.
- Pickard Insurance Agency
2221 W Arkansas #102 – Arlington, TX 76013 – (817) 460-0333 – View Map
- Nationwide Insurance: Jacque Pirtle
4110 Interstate 20 W #100 – Arlington, TX 76017 – (817) 572-7971 – View Map
- Pattillo Insurance Agency
3825 W Green Oaks Blvd Suite 250 – Arlington, TX 76016 – (972) 218-1723 – View Map
If you feel you receive satisfactory answers to your questions as well as cheaper Outlook insurance quotes, you may have just found a car insurance agent that meets the requirements to properly insure your vehicles.
Auto insurance coverages
Having a good grasp of car insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as hitting a bird, fire damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Medical expense coverage
Med pay and PIP coverage reimburse you for immediate expenses for things like hospital visits, surgery, funeral costs, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Uninsured or underinsured coverage
This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Saturn Outlook.
Since a lot of drivers have only the minimum liability required by law (30/60/25 in Texas), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Coverage for collisions
Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers claims such as crashing into a ditch, rolling your car, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible on your Outlook to bring the cost down.
Coverage for liability
This will cover damage that occurs to other’s property or people in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 30/60/25 that means you have $30,000 in coverage for each person’s injuries, a per accident bodily injury limit of $60,000, and $25,000 of coverage for damaged property.
Liability can pay for claims like legal defense fees, court costs, loss of income and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy as much as you can afford. Texas requires drivers to carry at least 30/60/25 but you should consider buying better liability coverage.
The illustration below demonstrates why buying minimum limits may not be adequate.
Arlington auto insurance companies ranked
Choosing a high-quality auto insurance company can be a challenge considering how many companies are available to choose from in Arlington. The company rank data shown next may help you analyze which car insurance companies to look at putting your business with.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Quote more and you will save more
When searching for inexpensive Arlington auto insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.
Consumers leave their current company for many reasons like not issuing a premium refund, poor customer service, high prices or even high rates after DUI convictions. Regardless of your reason, finding a new company is pretty simple and you could end up saving a buck or two.
We just covered many ways to shop for Saturn Outlook insurance online. The most important thing to understand is the more companies you get prices for, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with an unexpected company.
How to save on Saturn Outlook insurance in Arlington
If saving money is your primary concern, then the best way to save money on Saturn Outlook insurance is to compare prices annually from providers who provide car insurance in Arlington.
First, spend a few minutes and learn about how companies set rates and the modifications you can make to keep rates down. Many risk factors that result in higher prices such as at-fault accidents, speeding tickets, and your credit history can be rectified by making small lifestyle or driving habit changes.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like Progressive or Farmers Insurance, while independent agents can quote prices for a wide range of companies.
Third, compare the new rate quotes to your existing rates and determine if cheaper Outlook coverage is available in Arlington. If you find a lower rate quote and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, provide proper notification to your current company to cancel the current policy and submit a completed policy application and payment to the new company. Once coverage is bound, put the new certificate verifying proof of insurance in an accessible location in your vehicle.
A tip to remember is to try to compare identical coverages on every quote and to quote with every insurance company. Doing this helps ensure the most accurate price comparison and the best price quote selection.
For more information, link through to the following helpful articles:
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance Quotes for Welfare Recipients in Arlington? (FAQ)
- Who Has Cheap Arlington Auto Insurance Quotes for Drivers Under 21? (FAQ)
- What Car Insurance is Cheapest for Uber Drivers in Arlington? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Teenage Females in Arlington? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- What if I Can’t Find Coverage? (Insurance Information Institute)