A recent NerdWallet.com study revealed that the vast majority of car insurance customers have purchased from the same company for at least four years, and almost 40% of drivers have never compared rate quotes at all. Many consumers in Arlington can save hundreds of dollars each year by just comparing rate quotes, but they don’t know the actual amount they would save if they moved their coverage to a different company.
The best way we recommend to find cheaper prices for Kia Spectra insurance is to make a habit of comparing prices annually from insurers who can sell car insurance in Arlington.
- Take a little time to learn about how companies price auto insurance and the things you can control to prevent expensive coverage. Many things that drive up the price like high-risk driving behaviors and a less-than-favorable credit score can be rectified by paying attention to minor details. This article gives additional tips to prevent high rates and find more discounts that you may not know about.
- Compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO or Allstate, while agents who are independent can quote prices from multiple companies.
- Compare the new rate quotes to your existing rates and see if you can save money. If you find better rates and buy the policy, verify that coverage does not lapse between policies.
An important note is that you’ll want to make sure you compare the same deductibles and limits on every price quote and and to analyze as many companies as you can. Doing this provides an apples-to-apples comparison and the best price selection.
Finding affordable insurance policy in Arlington is not as time-consuming as you think. Just about every driver who requires lower cost insurance will most likely find a lower price. But Texas vehicle owners need to have an understanding of how companies determine prices and take advantage of how the system works.
Smart Consumers Can Lower Insurance Rates
It’s important that you understand some of the elements that help calculate car insurance rates. When consumers understand what determines base rates, this enables informed choices that may reward you with lower premium levels.
Safer vehicles lower premiums – Safe vehicles tend to have better insurance rates. These vehicles reduce occupant injuries and reduced instances of injuries means less money paid by your insurance company passed on to you as lower rates.
Stay claim-free and reduce car insurance rates – Insurance companies in Texas give the lowest premiums to policyholders who are claim-free. If you are the type of insured that files lots of claims you can look forward to either higher rates or even cancellation. Insurance coverage is designed for the large, substantial claims.
Bundle policies to earn discounts – Some car insurance companies provide a discount to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount applied, you may still want to compare other Arlington Spectra insurance rates to verify if the discount is saving money.
Getting married is a good thing – Your spouse can get you a discount when shopping for car insurance. Marriage may mean you are more responsible and it’s proven that married drivers get in fewer accidents.
Car insurance liability protection limits – The liability section of your policy provides coverage if ever a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense coverage which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Lower deductibles cost more – Your deductibles define the amount the insured will be required to pay before your car insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of some claims that would be covered would be rear-ending another vehicle, hail damage, and having a roll-over accident. The more expense you pay before a claim is paid (deductible), the less money you will pay for car insurance.
High performance equals high premiums – The type of vehicle you need to insure makes a significant difference in determining your rates. The cheapest insurance rates are usually found on lower performance four cylinder passenger vehicles, but the cost you end up paying is determined by many additional factors.
Rate your vehicle for proper use – The higher the miles on your Kia annually the more you will pay for car insurance. A lot of companies charge to insure your cars partially by how you use the vehicle. Cars and trucks that have low annual miles can get a lower rate than those that get driven frequently. An improperly rated Spectra can cost quite a bit. Ask your agent if your car insurance policy properly reflects the proper vehicle usage.
The method we recommend to get policy rate comparisons for Kia Spectra insurance in Arlington is to understand auto insurance companies provide online access to give free rates quotes. To get started, all you need to do is take a few minutes to give details such as your occupation, an estimate of your credit level, marital status, and deductibles desired. That rating information is instantly provided to many highly-rated insurers and you should receive rate quotes instantly.
To compare cheap Kia Spectra insurance rates now, click here and see if a lower rate is available in Arlington.
The auto insurance companies shown below offer price quotes in Texas. To get the cheapest auto insurance in Arlington, we suggest you visit several of them in order to find the lowest rates.
Why you need to buy auto insurance
Despite the fact that auto insurance is not cheap in Arlington, paying for auto insurance is required in Texas but also provides important benefits.
First, most states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability if you want to drive legally. 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.
Second, if your vehicle has a loan, almost every bank will stipulate that you carry insurance to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender may insure your Kia at a much higher premium rate and require you to reimburse them a much higher amount than you were paying before.
Third, insurance safeguards both your assets and your vehicle. Insurance will also pay for most medical and hospital costs incurred in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If your Kia gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying auto insurance definitely exceed the price paid, especially for larger claims. As of last year, the average driver in Texas is overpaying more than $865 each year so we recommend shopping around at least once a year to ensure rates are competitive.
Auto insurance policy discounts you can’t miss
Companies that sell car insurance don’t always advertise all possible discounts in a way that’s easy to find, so we break down some of the best known and the harder-to-find discounts that you can inquire about if you buy Arlington car insurance online.
- New Vehicle Savings – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
- Paper-free Discount – Some auto insurance companies may give you up to $50 shop Arlington car insurance on their website.
- Theft Deterrent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and can earn a small discount on your policy.
- Defensive Driving Course – Taking a class that teaches defensive driving techniques could save 5% or more if your company offers it.
- Employee of Federal Government – Simply working for the federal government could cut as much as 10% off depending on your auto insurance provider.
One thing to note about discounts is that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
Some of the insurance companies that may offer quotes with these discounts possibly include:
Before purchasing a policy, check with each insurance company how many discounts you can get. A few discounts may not apply to policyholders in Arlington. To view auto insurance companies that can offer you the previously mentioned discounts in Arlington, follow this link.
Getting quotes from local Arlington auto insurance agents
Many drivers just want to visit with an insurance agent and that is OK! A nice benefit of getting free rate quotes online is that drivers can save money and get cheap insurance quotes and still choose a local agent. Buying from and supporting neighborhood agents is still important in Arlington.
Upon completion of this simple form, your insurance coverage information is sent to participating agents in Arlington that can give you free Arlington car insurance quotes to get your business. It makes it easy because there is no need to visit any agencies because prices are sent to the email address you provide. You’ll get the best rates and a licensed agent to talk to. If you need to compare prices from a specific insurance company, you just need to search and find their rate quote page and fill out their quote form.
The type of auto insurance agent you choose is important
If you would like to find an insurance agent, it helps to know the two different types of agents that you can choose from. Insurance agencies in Arlington can either be independent or exclusive depending on the company they work for.
Independent Agencies or Brokers
Agents that elect to be independent are appointed with more than one company and that allows them to write policies with an assortment of companies and find the cheapest insurance rates. If premiums increase, the business is moved internally and you don’t have to switch agencies. When comparison shopping, it’s recommended you get some free quotes from independent agents so that you can do a thorough price comparison. Most independent agents also contract with small mutual carriers that may have much lower rates than larger companies.
Shown below are Arlington independent agents who may provide price quotes.
- Vogue Insurance Agency
1201 N Watson Rd #287 – Arlington, TX 76006 – (682) 305-2140 – View Map
- Nationwide Insurance: Comparable Insurance Agency Inc
1700 E Pioneer Pkwy Ste 190 – Arlington, TX 76010 – (817) 460-8899 – View Map
- Strack Insurance Services
6027 Interstate 20 W – Arlington, TX 76017 – (817) 557-0100 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive can usually just insure with one company and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive insurance agents receive a lot of sales training on what they offer which helps overcome the inability to quote other rates. Some consumers prefer to choose to use an exclusive agent mostly because of the brand name rather than having low rates.
The following is a list of exclusive insurance agencies in Arlington who can help you get rate quotes.
- Randy McCoy – State Farm Insurance Agent
1730 W Randol Mill Rd #160 – Arlington, TX 76012 – (817) 274-1324 – View Map
- TJ Villarreal – State Farm Insurance Agent
851 NE Green Oaks Blvd – Arlington, TX 76006 – (817) 461-0000 – View Map
- Farmers Insurance – Philip Szurek
2614 W Arkansas Ln – Arlington, TX 76016 – (817) 303-3880 – View Map
Choosing an car insurance agent shouldn’t rely on just a cheap quote. These are valid questions to ask:
- Does the agency have a good rating with the Better Business Bureau?
- Is there a Errors and Omissions policy in force?
- Will they make sure you get an adequate claim settlement?
- Which insurance companies are they affiliated with?
- Did they already check your driving record and credit reports?
- Does the agency support the community they serve?
If you get positive responses to any questions you have as well as a price you’re happy with, it’s possible that you found an insurance agency that is a good match to provide insurance coverage. But keep in mind once you purchase a policy you can terminate your policy at any time so never feel that you’re stuck with your new company with no way to switch.
Which auto insurance company is best in Arlington?
Ending up with a highly-rated company can be difficult considering how many choices drivers have in Texas. The rank data displayed below could help you choose which companies you want to consider purchasing from.
Top 10 Arlington Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Arlington Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Quote. Compare. Save.
When getting Arlington car insurance quotes online, do not reduce coverage to reduce premium. In too many instances, someone dropped physical damage coverage and discovered at claim time that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.
In this article, we presented a lot of tips how to reduce Kia Spectra insurance car insurance rates online in Arlington. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the best price on insurance is with a company that doesn’t do a lot of advertising.
Budget-friendly insurance in Arlington is definitely available online and from local insurance agents, so you need to quote Arlington car insurance with both in order to have the best chance of saving money. Some insurance companies may not provide internet price quotes and these regional carriers only sell through local independent agencies.
More tips and info about insurance is available in the articles below:
- Anti-Lock Brake FAQ (iihs.org)
- Who Has Cheap Arlington Car Insurance Quotes for a Company Car? (FAQ)
- What Insurance is Cheapest for a Dodge Journey in Arlington? (FAQ)
- Who Has Cheap Arlington Auto Insurance for a Honda Accord? (FAQ)
- What Car Insurance is Cheapest for a Ford Escape in Arlington? (FAQ)
- Airbag FAQ (iihs.org)
- Distracted Driving (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Choosing a Car for Your Teen (State Farm)