The words “cheap” and “insurance” really should not be used together, especially when you are shopping around for the lowest insurance rates for handicapped drivers. Because of the high cost, let’s start the ball rolling by going over some things that can significantly affect auto insurance rates, and come up with some ideas to slash the price of the next policy you buy.
The make and model of vehicle needing coverage is one of the primary factors when comparing quotes for low-cost auto insurance for handicapped drivers. Vehicles with high performance features, poor crash test ratings, or a track record of large liability claims will cost substantially more to insure than safer models. The table below presents coverage costs for a number of the most cost-effective vehicles to insure in Texas.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$1,047|
|Ford F-150 XL Super Cab 4WD||$1,145|
|Honda CR-V EX 2WD||$1,156|
|Honda Odyssey EX||$1,188|
|Toyota Tacoma Double Cab 4WD||$1,211|
|Ford Explorer Eddie Bauer 4WD||$1,234|
|Ford Focus SEL 4-Dr Sedan||$1,252|
|Chevrolet Impala LTZ||$1,275|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$1,297|
|Nissan Altima Hybrid 4-Dr Sedan||$1,305|
|Chevrolet Silverado LT Extended Cab 2WD||$1,297|
|Toyota Corolla XRS||$1,304|
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in vehicle location which can lower or raise rates greatly.
Looking at the numbers, we can infer that vehicles like the Ford Escape, Ford F-150, Honda CR-V, Honda Odyssey, and Toyota Tacoma are likely to be a few of the most affordable vehicles to insure for drivers with handicaps.
For drivers with handicaps, one of the more important criteria that are looked at to help calculate car insurance rates is where you keep your car. Areas with more people or higher crime rates will most likely have higher rates, whereas less populated areas have the luxury of lower rates.
The table below rates the priciest cities in Texas for handicapped drivers to purchase auto insurance in. Arlington is listed at #16 costing $1,658 for the average policy, which is around $138 per month.
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Rate quotes are comparative as specific Arlington garaging address can alter insurance rates considerably.
Arlington car insurance companies ranked
Finding the highest-rated auto insurance company can be a challenge considering how many companies sell coverage in Arlington. The company rank data shown below may help you pick which companies to look at to insure your vehicles.
These rankings are for companies who write in the majority of U.S. states, so smaller regional companies are not taken into consideration for the list. If you wish to compare prices from these and other top-rated companies, simply click here.
Top 10 Large Auto Insurers Overall in Arlington
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
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Insurance companies that offer cheap quotes for handicapped drivers may also give you policy discounts that could reduce prices by as much as 25% or more if you can meet the requirements. Larger car insurance companies and some of the discounts are outlined below.
- Progressive discounts include multi-policy, homeowner, continuous coverage, online quote discount, multi-vehicle, good student, and online signing.
- MetLife has discounts for good student, good driver, accident-free, defensive driver, multi-policy, claim-free
- Mercury Insurance offers discounts including professional/association, location of vehicle, good driver, age of vehicle, and good student.
- Nationwide may have discounts that include multi-policy, Farm Bureau membership, defensive driving, good student, accident-free, family plan, and anti-theft.
- GEICO may offer discounts for good student, anti-lock brakes, anti-theft, emergency military deployment, daytime running lights, and defensive driver.
- AAA offers premium reductions for anti-theft, education and occupation, multi-car, good driver, good student, and AAA membership discount.
The information below shows the comparison of auto insurance rates with and without discounts applied to the rates. The premium estimates are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, claim-free, safe-driver, anti-theft, defensive driving course, and accident-free discounts applied. With discounts applied, theaverage yearly reduction on car insurance for handicapped drivers is 28% or $459.
The example below illustrates how your choice of deductibles can impact insurance premiums when researching cheap insurance for handicapped drivers. The rate quotes are based on a single female driver, full coverage, and no discounts are applied.
In the chart above, a 50-year-old driver could pocket $422 a year by changing from a $100 deductible to a $500 deductible, or save $634 by using a $1,000 deductible. Young drivers, such as the Age 20 example, can save up to $1,074 or even more by using a higher deductible.
If you do make the decision to raise your deductibles, it is necessary to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
How to find budget-friendly car insurance for handicapped drivers
The list below shows many money-saving suggestions that can help Texas drivers get more affordable coverage.
- Keep your driving record clean
- Good credit can mean cheaper rates
- Choose a safer vehicle and pay lower rates
- On older vehicles, drop full coverage
- Avoid having at-fault accidents
- Increase your comprehensive and collision deductibles
- Compare prices as often as possible
That last tip is extremely valuable, as was noted in this write-up. Car insurance prices change a lot, so don’t be unwilling to buy a policy from a new company if a more affordable price is available.
Brand loyalty is great, but is isn’t recommended if your bullheadedness ends up costing you money that could be used for better things. Now is a great time to shop around and find cheaper car insurance for handicapped drivers in Arlington.
If you prefer to have a professional recommendation when buying car insurance for handicapped drivers, the agents listed below can probably help you make a decision which is the best policy.
To locate an Arlington car insurance agency using an interactive map, click the button following the list or click here to compare price quotes.
State Farm: Dean Berube
6109 S Cooper St #121 – Arlington, TX 76001 – (817) 856-0300
Farmers Insurance – Josue Cardenas
2111 S Collins St #102 – Arlington, TX 76010 – (817) 303-8800
Jeremy Normand State Farm®
3000 S Cooper St – Arlington, TX 76015 – (817) 465-6292
Allstate Insurance: Lezlee Martin Liljenberg
3105 W Arkansas Ln – Arlington, TX 76016 – (817) 794-5887