You have most likely watched the captivating ads from auto insurance companies like Progressive and GEICO that make promises of dirt cheap rates, so drivers just need to select the one with the best jingle, right?
It’s not that simple, unfortunately, as there are a lot of unknown factors like the annual mileage you drive, what coverage limits you need, and if you are married, that help determine the price you have to pay. We will try to cover some of these criteria and educate you enough to have some help in finding cheaper rates.
The car, truck, or SUV you are buying coverage for is a significant factor that determines whether or not you find the lowest-priced insurance for infrequent drivers. Vehicles with lots of speed or power, a lack of safety features, or high incidents of liability claims will cost substantially more to insure than more modest models.
The next list estimates auto insurance prices for some of the cheapest vehicles to insure in Texas.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda Accord EX-L 4-Dr Sedan||$854|
|Hyundai Elantra GLS Touring Station Wagon||$858|
|Honda CR-V LX 2WD||$868|
|Ford Escape XLT 4WD||$904|
|Toyota RAV4 Sport 2WD||$930|
|Chevrolet Impala LT||$936|
|Dodge Grand Caravan Hero||$930|
|Toyota Tacoma 4WD||$965|
|Kia Optima LX||$997|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$999|
|Nissan Altima Hybrid 4-Dr Sedan||$1,004|
|Ford F-150 XL Crew Cab 4WD||$1,010|
|Chevrolet Equinox LT AWD||$1,017|
|Honda Civic SI 4-Dr Sedan||$1,027|
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific garaging location which can influence auto insurance rates substantially.
Based upon the table data, you can infer that cars like the Honda Accord, Hyundai Elantra, Honda CR-V, Ford Escape, and Toyota RAV4 are the cheaper vehicles to insure for low mileage drivers.
Trying to buy reasonably-priced car insurance is easier said than done, and figuring out which companies quote the cheapest auto insurance rates for infrequent drivers may require even more work. Every insurance company has their own process for determining rates, so first let’s look at the rankings for the most affordable auto insurance companies in Arlington, TX.
It’s a good idea to be aware that Texas auto insurance rates are impacted by many factors that will increase or decrease the policy price. This price variation is why it is so important to shop around with many companies when trying to get the best car insurance rates for infrequent drivers. Car insurance prices can be determined by many factors and can change substantially, so the most economical option the last time you compared rates may now be one of the more expensive options.
Find Cheaper Car Insurance in Texas
Travelers has some of the lowest car insurance rates in Arlington at around $1,010 a year. This is $894 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Arlington, TX car insurance companies.
In the above example, if you are currently insured with Germania Mutual and switched to Travelers, you may see an annual savings of about $284. Customers with Esurance may save as much as $369 a year, and California Casualty policyholders might reduce rates by $386 a year.
Bear in mind that those premiums are averaged for all drivers and vehicles in Texas and are not factoring in an exact location for infrequent drivers. So the auto insurance company that can offer you the best rate may not even be in the list above. That is why you need to quote rates from many companies using your own individual information.
One of the many factors that aid in calculating the amount you pay each year for auto insurance is where you live. Areas with increased crime or more people will most likely pay more, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.
The information below ranks the priciest cities in Texas for infrequent drivers to purchase car insurance in. Arlington shows up at #14 with an annual cost of $1,692 on average, which is approximately $141 monthly.
|Rank||City||Premium Per Year|
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Premium costs are estimated as the specific area where the vehicle is garaged can decrease or increase coverage rates considerably.
Picking a good quality insurance provider is hard considering how many companies provide coverage in Texas. The company rank data shown below can help you select which car insurance companies you want to consider comparing rate quotes with.
These ratings are only made up of the largest auto insurers in America, so smaller regional companies are not included in the list. To check prices from these top-rated insurers and more, click here.
|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
Get discount Arlington auto insurance
Auto insurance companies that offer coverage for infrequent drivers may also give you discounts that could lower prices by as much as 35% or more if you meet specific eligibility requirements. Companies and their offered discounts can be found below.
- State Farm policyholders can earn discounts including good student, passive restraint, safe vehicle, good driver, and student away at school.
- Farmers Insurance discounts include pay in full, early shopping, good student, teen driver, and youthful driver.
- GEICO includes discounts for federal employee, anti-theft, military active duty, driver training, and membership and employees.
- American Family has discounts for Steer into Savings, air bags, multi-vehicle, good driver, and defensive driver.
- Nationwide may offer discounts for easy pay, multi-policy, business or organization, family plan, and good student.
- Progressive offers premium reductions for online signing, multi-vehicle, good student, continuous coverage, multi-policy, and homeowner.
The chart below shows the difference between premium costs with and without discounts. The price estimates are based on a male driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with passive restraint, vehicle safety, homeowner, claim-free, safe-driver, and marriage discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for infrequent drivers is 28% or $678.
Difference between full coverage and liability only rates
Saving money when shopping for auto insurance is the goal of the majority of vehicle owners, and a great way to find cheap insurance for infrequent drivers is to not pay for full coverage. The information below illustrates the difference between insurance costs with liability coverage only compared to full coverage. The information is based on a clean driving record, no claims, $100 deductibles, drivers are not married, and no policy discounts are applied.
As an average, comprehensive and collision coverage on your policy costs $2,922 per year more than just buying liability only. At some point, every insured wonders if paying for full coverage is worth it. There is no clear-cut formula to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s say your vehicle’s replacement value is $7,500 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $6,500 after paying your policy deductible. If you are currently paying more than $650 a year for full coverage, then you might want to think about dropping full coverage.
There are a few cases where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
What aren’t you shopping around?
Texas auto insurance rates are influenced by many factors which can substantially change the policy premium. Improving your credit score, buying a new vehicle, or getting a couple of tickets may generate price changes that can now make some companies cheaper than competitors.
And not only may your rating factors change, but insurance companies change the rates they charge in Texas multiple times each year to adjust for unexpected claims or profits. A period of increased losses may result in price increases, while a lower level of claims may cause lower-priced Arlington car insurance rates.
The graph below shows which companies have the cheapest car insurance in Arlington, TX for a 40-year-old male driver with no violations or accidents, and good credit. When quoting prices based on his personal risk profile, Travelers might quote the best car insurance rates in Arlington at $1,140 annually. This is $764 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the cheapest Arlington, TX auto insurance companies.
The chart below compares rates after we give the driver from above a couple of claims, a little lower credit rating, and an imperfect driving record. Since each auto insurer uses a different method to determining premium rates, comparing prices could result in a different list of companies as shown below.
Mercury now has the cheapest auto insurance in Arlington, TX with State Farm, USAA, Nationwide, and Safe Auto now rounding out the top five. This example proves why it is so important to compare lots of rates to find the most affordable auto insurance quotes for infrequent drivers. Prices are made up of many different factors and change dramatically, so the cheapest rate six months ago may now be wasting a lot of money.