The words “affordable” and “insurance” probably shouldn’t be used in the same sentence, specifically when you are looking for the best insurance rates for state employees. Because it’s not cheap, let’s familiarize you with some of the things that help determine car insurance premiums, and see if you can reduce the price of the next policy you buy.
The vehicle you are insuring is one of the largest considerations when shopping around for the best car insurance for state employees. Vehicles with high performance, a lack of advanced safety features, or high incidents of liability claims will cost significantly more to insure than more modest models. The data below presents insurance costs for some of the most economical automobiles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,110|
|Ford Escape XLT 2WD||$1,115|
|Honda Accord EX 4-Dr Sedan||$1,110|
|Hyundai Elantra GLS Touring Station Wagon||$1,116|
|Toyota Tacoma 2WD||$1,124|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,166|
|Nissan Rogue SL 2WD||$1,229|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$1,249|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,257|
|Honda Civic GX 4-Dr Sedan||$1,264|
|Ford Edge SEL AWD||$1,291|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,298|
|Honda Odyssey LX||$1,302|
|Toyota Camry Hybrid||$1,309|
|Kia Optima EX||$1,314|
|Chevrolet Impala LT||$1,316|
|Toyota RAV4 4WD||$1,322|
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Prices do not factor in specific location information which can decrease or increase rates substantially.
Based upon the rates shown, you can conclude that makes and models like the Honda CR-V, Ford Escape, Honda Accord, Hyundai Elantra, and Toyota Tacoma are some of the more affordable vehicles to insure for state workers.
Locating cheap insurance is difficult, and figuring out which insurers offer the best insurance rates for state employees will take even more shopping around. Every insurance provider has a unique approach for determining rates, so we’ll take a look at the insurance companies with the most affordable rates in Arlington, TX.
It’s a good idea to be aware that Arlington, TX insurance rates are influenced by many factors which can substantially decrease or increase the policy premium. Turning one year older, buying another vehicle, or getting caught speeding may prompt premium changes resulting in some rates now being more affordable than before.
Best Cheap Insurance Rates in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers offers some of the best car insurance rates in Arlington at around $1,052 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the best Arlington, TX insurance companies.
As shown above, if you are currently insured with Texas Farm Bureau and switched to Travelers, you may realize a yearly price reduction of approximately $147. Texas drivers with Germania Mutual may save as much as $192 a year, and Esurance policyholders might lower prices by up to $327 a year.
If you want to see how much you could save, click here to start your free quote or visit several of the following companies.
It’s important to note that these rates are averages across all types of drivers and the different vehicles they drive and do not factor in a vehicle location for state employees. So the company that is best suited for you may not even be in the list above. That underscores the importance of why you need to get car insurance quotes using your own personal information and vehicle type.
One of the more important things that help determine the annual cost of car insurance is where you keep your vehicle in Arlington. Cities with more crime and/or more people tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates can boast about having cheaper rates.
The following table sorts the most expensive areas in Texas for state employees to purchase auto insurance in. Arlington shows up at #14 with the annual price of $1,692 for the average policy, which is approximately $141 monthly.
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Rate quotes are comparative as the specific area where the vehicle is garaged can raise or lower prices significantly.
Rate comparison of full coverage and liability-only
Paying less for insurance is important to the majority of people, and one of the best ways to find cheaper insurance for state employees is to not buy full coverage. The diagram below shows the comparison of insurance rates with and without physical damage coverage. The costs are based on no claims or driving violations, $100 deductibles, drivers are not married, and no discounts are factored in.
If we average the cost for ages 20 through 70, physical damage insurance costs an extra $2,181 per year over and above liability coverage. At some point, almost every driver questions if it’s worth it to buy full coverage. There is no exact formula to eliminate physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.
There are a few situations where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Impact of violations and accidents on rates in Arlington
The obvious way to snag good insurance rates for state workers is to be a good driver and avoid accidents and traffic violations. The example below shows how speeding tickets and at-fault fender-benders can influence auto insurance costs for each different age group. The prices are based on a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
In the example above, the average cost of auto insurance per year with a clean driving record and no accidents is $2,314. Add in one speeding ticket and the average cost surges to $2,625, an increase of $311 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of insurance for state employees jumps again to an average of $5,405. That’s an increase of $3,091, or $258 per month, just for not keeping your driving record clean!
Types of discounts on Arlington auto insurance
Car insurance companies that offer coverage for state employees may additionally offer discounts that may potentially lower prices by as much as 30% if you can meet the requirements. A list of insurance companies and some of the discounts are detailed below.
- GEICO includes discounts for emergency military deployment, multi-vehicle, good student, five-year accident-free, anti-theft, and multi-policy.
- MetLife has discounts for claim-free, multi-policy, accident-free, good driver, good student, and defensive driver.
- State Farm policyholders can earn discounts including defensive driving training, good driver, Steer Clear safe driver discount, driver’s education, multiple policy, Drive Safe & Save, and good student.
- Progressive has savings for good student, online quote discount, homeowner, multi-vehicle, multi-policy, continuous coverage, and online signing.
- Mercury Insurance offers premium reductions for location of vehicle, low natural disaster claims, good student, multi-car, multi-policy, type of vehicle, and anti-theft.
- 21st Century offers discounts including air bags, teen driver, homeowners, automatic seat belts, student driver, and defensive driver.
- Allstate may include discounts for anti-lock brakes, early signing, premier discount, passive restraint, auto/life discount, anti-theft, and 55 and retired.
The illustration below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. The data is based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with safe-driver, passive restraint, multiple vehicle, accident-free, anti-theft, and marriage discounts applied. When drivers qualify for the discounts, the average amount saved each year on insurance for state employees is 28% or $706.
Ideas to find budget-friendly auto insurance for state employees
Here are some penny-pinching ideas that can help drivers quote more affordable auto insurance.
- Vehicles with safetly features generally cost less to insure
- Raise your deductibles
- Do not get traffic violations
- Increase your credit score
- Avoid accidents and claims
- Save money by only buying liability coverage for older vehicles
- Shop around once a year for cheaper rates
That final tip is especially crucial, as was pointed out in this piece. Prices vary considerably, so drivers shouldn’t hesitate to change to a new company if a more affordable rate is found.
Having a favorite company is great, but we do not recommend it if that devotion results in you overpaying money that could be going to better use. Take a few minutes and compare rates to find cheaper car insurance for state employees in Arlington.
The insurance agents in Arlington listed below can most likely aid you in deciding which is the best policy, since some people have coverage questions and would like to get some professional advice when shopping for the best coverage for state employees. It’s not always simple to do it yourself, so using a licensed agent can provide you satisfaction knowing your coverage gives you sufficient coverage at claim time. To find an Arlington insurance agency close to you, click the button at the bottom.
- Farmers Insurance – Philip Szurek
2614 W Arkansas Ln – Arlington, TX 76016 – (817) 303-3880
- Jesus Sanchez – State Farm Insurance Agent
3330 Matlock Rd #124 – Arlington, TX 76015 – (817) 468-3338
- Randy McCoy – State Farm Insurance Agent
1730 W Randol Mill Rd #160 – Arlington, TX 76012 – (817) 274-1324
- Allstate Insurance: Gary Tongate
1814 N Cooper St – Arlington, TX 76011 – (817) 861-3422