Pretty sure you bought overpriced Dodge Stratus insurance in Arlington? You’re in good company because many Arlington consumers feel financially strained by their insurance policy.
It’s an obvious assumption that insurance companies don’t want you to compare rates. People who do rate comparisons are inclined to move their business because of the good chance of finding a policy with better rates. Remarkably, a study showed that people who compared rates annually saved over $865 annually compared to those who never compared rates.
If finding the cheapest price on auto insurance is why you’re here, then having a good understanding how to quote prices and compare cheaper coverage can save time and make the process easier.
Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate all promote huge savings with fancy advertisements and it can be hard to ignore the promise of big savings and do the work needed to find the best deal.
It’s important to know that making a lot of price comparisons helps locate the best price.
The following companies provide comparison quotes in Texas. To find the best cheap auto insurance in Arlington, TX, we suggest you visit two to three different companies in order to find the cheapest rates.
Arlington insurance discounts for a Dodge Stratus
Car insurance is neither fun to buy or cheap, but you might find some hidden discounts that many consumers don’t even know exist. Certain discounts will be applied at quote time, but less common discounts must be asked about before you will receive the discount.
- ABS and Traction Control Discounts – Cars with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more on Stratus insurance in Arlington.
- Low Miles Discount – Driving fewer miles can qualify you for better car insurance rates on cars that stay parked.
- Good Student – Being a good student can earn a discount of 20% or more. The good student discount can last until age 25.
- Government Employees – Being employed by or retired from a federal job could provide a small rate reduction with certain companies.
- Accident Waiver – This isn’t a discount exactly, but certain companies allow you one accident before they charge you more for coverage if you are claim-free prior to being involved in the accident.
Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, companies wouldn’t make money that way.
Some of the larger companies who may offer most of these discounts include:
When getting a coverage quote, ask all the companies the best way to save money. All car insurance discounts may not apply to policies in your area. To see a list of providers who offer car insurance discounts in Arlington, follow this link.
Compare rates but buy from a local neighborhood Arlington car insurance agent
Certain consumers just prefer to sit down with an agent and doing that can be a smart decision One of the benefits of price shopping on the web is you may find cheap car insurance quotes and also buy local. Buying from and supporting neighborhood agents is still important in Arlington.
To find an agent, once you fill out this short form, the coverage information is immediately sent to agents in your area who will give competitive quotes for your insurance coverage. You don’t have to search for any insurance agencies since rate quotes are delivered directly to your email. You can find the lowest rates AND a local agent. If you need to get a rate quote from one company in particular, you can always jump over to their website and fill out the quote form the provide.
Finding the right company shouldn’t rely on just the price. Below are some questions you should ask.
- How long have they worked with personal auto insurance coverage?
- How much will you save each year by using a higher deductible?
- If you have an accident, will your rates go up?
- How are they compensated?
- Does the agency have a positive business rating?
- Does the agent have professional designations like CIC, CPCU or AIC?
After talking to the agent and getting acceptable answers to your questions and a low price estimate, you’ve probably found a company that is a good match to provide car insurance coverage. Just remember consumers can terminate coverage when you choose so don’t think you are locked into a specific agent for the full policy term.
Tailor your insurance coverage to you
When buying a policy, there really is not a one-size-fits-all type of policy. Everyone’s situation is unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.
- Do I need replacement cost coverage?
- What is an adequate liability insurance limit?
- What does medical payments cover?
- Do I need to file an SR-22 for a DUI in Texas?
- What exactly is covered by my policy?
- Can I get a multi-policy discount?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
Ratings for Arlington car insurance companies
Picking a high-quality auto insurance provider can be rather challenging considering how many companies sell coverage in Texas. The company rank data displayed below may help you choose which insurers to look at comparing rates with.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Information about specific coverages
Learning about specific coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages available from insurance companies.
Uninsured Motorist or Underinsured Motorist insurance – This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Stratus.
Due to the fact that many Texas drivers only purchase the least amount of liability that is required (30/60/25 in Texas), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are identical to your policy’s liability coverage.
Collision coverage – This covers damage to your Stratus caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims like sustaining damage from a pot hole, backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible on your Stratus to bring the cost down.
Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses like X-ray expenses, doctor visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible
Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like damage from flooding, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability car insurance – This coverage provides protection from damage that occurs to other’s property or people that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 30/60/25 that means you have a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims like emergency aid, attorney fees, medical services and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford. Texas requires drivers to carry at least 30/60/25 but you should consider buying more coverage.
The illustration below demonstrates why minimum state limits may not be enough coverage.
One last note
When buying insurance coverage, make sure you don’t reduce needed coverages to save money. There have been many situations where drivers have reduced liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.
You just read some good ideas how to lower your Dodge Stratus insurance premium rates in Arlington. The key concept to understand is the more quotes you get, the better chance you’ll have of finding cheaper Arlington auto insurance quotes. You may even be surprised to find that the biggest savings come from a lesser-known regional company. Regional companies often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.
Budget-friendly insurance in Arlington can be purchased from both online companies and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get quotes online and many times these regional insurance providers only sell coverage through independent agencies.
Steps to saving money on Dodge Stratus insurance in Arlington
If you want to find the absolute lowest rates, then the best way to find affordable quotes for car insurance rates in Arlington is to start comparing prices regularly from companies in Texas. You can shop around by completing these steps.
Step 1: Spend some time learning about how companies set rates and the factors you can control to prevent expensive coverage. Many factors that result in higher prices like at-fault accidents and a not-so-good credit history can be rectified by making lifestyle changes or driving safer.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or State Farm, while independent agents can provide rate quotes from multiple sources. View a list of agents
Step 3: Compare the new rate quotes to your current policy premium and determine if there is any savings. If you find better rates and change companies, make sure there is no lapse in coverage.
The key aspect of shopping around is to use the same deductibles and limits on every price quote and and to get quotes from as many different companies as possible. This ensures an accurate price comparison and the best price selection.
For more information, feel free to visit the articles below:
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Seniors in Arlington? (FAQ)
- Who Has Cheap Arlington Auto Insurance Quotes for Drivers Under 21? (FAQ)
- Who Has the Cheapest Auto Insurance for Veterans in Arlington? (FAQ)
- How Much is Arlington Car Insurance for Retired Military? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- Understanding Your Insurance Deductible (Insurance Information Institute)