Unbelievably, nearly 70% of drivers kept their coverage with the same car insurance company for at least four years, and virtually 40% of consumers have never compared rates from other carriers. Consumers in Texas could save themselves roughly $1,800 a year just by shopping around, but they just feel it’s too hard to compare rates.
Really, the only way to get discount Volvo S40 insurance is to start doing an annual price comparison from insurance carriers in Arlington. You can compare rates by completing these steps.
- Step 1: Try to learn about individual coverages and the steps you can take to prevent rate increases. Many rating factors that drive up the price like speeding and a not-so-good credit history can be remedied by paying attention to minor details.
- Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or State Farm, while independent agents can provide price quotes from multiple insurance companies.
- Step 3: Compare the quotes to your current policy premium to see if cheaper S40 coverage is available in Arlington. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Notify your company or agent of your intent to cancel your current policy and submit a completed application and payment to the new company. Immediately upon receiving it, keep the new proof of insurance certificate in an easily accessible location.
An important note is to try to use the same deductibles and limits on every price quote and and to get prices from as many different insurance providers as possible. This provides a level playing field and a thorough selection of prices.
Car insurance providers offering competitive prices in Texas
The following companies can provide quotes in Arlington, TX. If your goal is to find the cheapest car insurance in Arlington, it’s a good idea that you compare several of them to get a more complete price comparison.
Rates and information analytics
The rate table shown next showcases detailed analysis of rate quotes for Volvo S40 models. Understanding more about how rate quotes are formulated can help customers make smart choices when buying a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|S40 T5 AWD R-Design||$206||$368||$382||$22||$114||$1,092||$91|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price information does not factor in Arlington location which can alter coverage rates noticeably.
Bad driving habits will cost you more
The example below illustrates how traffic citations and accident claims can increase Volvo S40 car insurance costs for different ages of insureds. The costs are based on a married male driver, full coverage, $100 deductibles, and no other discounts are factored in.
How You Can Control Volvo S40 Insurance Rates
Lots of factors are considered when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but other factors are less apparent like your continuous coverage or how financially stable you are. Smart consumers have a good feel for some of the elements that help calculate car insurance rates. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that may reward you with lower car insurance prices.
Teenagers vs. mature drivers – Older, more experienced drivers have been proven to be more responsible, file fewer claims, and get fewer tickets. Beginning drivers have been known to be careless and easily distracted when at the wheel of a vehicle so car insurance rates are higher.
The chart below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
Do you work long hours in a demanding vocation? – Careers such as military generals, social workers, and miners tend to have the highest rates because of intense work situations and long work hours. On the other hand, careers like actors, historians and homemakers pay lower than average rates.
Decrease car insurance rates by maintaining coverage – Not maintaining insurance is illegal and companies may charge more for letting your insurance lapse for non-payment. Not only will rates go up, being ticketed for driving with no insurance could earn you a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with the Texas DMV.
Vehicles with better crash test results cost less to insure – Safe vehicles get lower rates. The safest vehicles reduce injuries and reduced instances of injuries translates directly to fewer claims which can mean better rates for you. If your Volvo S40 scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
Use credit responsibly and save – Your credit score is likely to be a major factor in determining premium rates. If your credit can be improved, you could pay less to insure your Volvo S40 by repairing your credit. People with very good credit scores tend to be better drivers and file fewer claims than drivers with lower credit ratings.
Slash your insurance rates with discounts
Companies offering auto insurance don’t always publicize all discounts very clearly, so the list below details a few of the more common in addition to some of the lesser obvious discounts that you may qualify for. If you check and find you aren’t receiving every discount available, you may be paying too high a price.
- Telematics Data Discounts – Insureds that choose to allow driving data collection to track vehicle usage by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if their driving habits are good.
- Good Grades Discount – Being a good student can save 20 to 25%. The discount lasts up to age 25.
- Passenger Safety Discount – Factory options such as air bags or motorized seat belts may get savings up to 30%.
- Student in College – Any of your kids who live away from home to go to college and do not have access to a covered vehicle could qualify for this discount.
- Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
It’s important to note that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.
The illustration below illustrates the difference between Volvo S40 auto insurance costs with and without discounts applied to the policy premium. Data assumes a female driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, multi-policy, homeowner, and safe-driver discounts applied.
A list of companies and their offered discounts are:
- Farm Bureau policyholders can earn discounts including multi-policy, youthful driver, driver training, 55 and retired, renewal discount, and good student.
- MetLife discounts include defensive driver, good driver, claim-free, good student, accident-free, multi-policy
- Progressive may offer discounts for online signing, online quote discount, multi-policy, homeowner, good student, and continuous coverage.
- AAA offers discounts including AAA membership discount, education and occupation, pay-in-full, good driver, and anti-theft.
- American Family includes discounts for defensive driver, good student, Steer into Savings, multi-vehicle, air bags, and good driver.
- GEICO has savings for five-year accident-free, driver training, anti-lock brakes, air bags, good student, anti-theft, and defensive driver.
- State Farm has discounts for good driver, accident-free, student away at school, driver’s education, multiple policy, Drive Safe & Save, and safe vehicle.
When comparing rates, check with every company which discounts they offer. Some of the earlier mentioned discounts may not apply to policies in Arlington. To see providers that provide some of the discounts listed above in Arlington, follow this link.
Buying auto insurance from Arlington insurance agencies
Many people still prefer to buy from a local agent and that can be a great decision The biggest benefit of getting free rate quotes online is the fact that you can find cheaper rates but still work with a licensed agent. Putting coverage with neighborhood agents is definitely important in Arlington.
To help locate an agent, after submitting this form (opens in new window), your insurance data is instantly submitted to agents in your area that give free quotes to get your business. There is no reason to leave your computer since rate quotes are delivered to you instantly. You’ll get the best rates and work with a local agent. If you wish to compare prices from a specific auto insurance provider, don’t hesitate to jump over to their website and fill out their quote form.
Pick the best auto insurance agent in Arlington for you
If you would like to find local Arlington agents, it helps to know the two types of agencies from which to choose. Auto insurance policy providers are categorized either independent agents or exclusive agents depending on their employer.
Independent Auto Insurance Agencies or Brokers
Agents that elect to be independent are not required to write business for one company and that enables them to quote your coverage with many different companies depending on which coverage is best. If your agent finds better pricing, they simply switch companies in-house and you can keep the same agent.
If you are comparing auto insurance prices, you will definitely want to contact several independent agencies so that you have a good selection of quotes to compare.
The following are Arlington independent insurance agents who may provide pricing information.
All Texas Insurance Inc
5721 Interstate 20 W # 110, Arlington, TX 76018 – Arlington, TX 76017 – (214) 330-0033 – View Map
Nationwide Insurance: Abdiel Benjamin Arellano Agency
420 E Lamar Blvd Ste 204 – Arlington, TX 76011 – (817) 345-6000 – View Map
Exclusive Auto Insurance Agents
Exclusive agencies normally can only provide a single company’s rates and some examples include State Farm, AAA, Farmers Insurance or Allstate. They generally cannot place coverage with different providers so always compare other rates. They are usually well trained on their products and sales techniques and that allows them to sell at a higher price point.
Shown below are Arlington exclusive agents who can help you get comparison quotes.
Finding the right auto insurance agent needs to be determined by more than just a cheap price quote. Here are some questions to ask:
- Does the company allow you to choose your own collision repair facility?
- Will high miles depreciate repair valuations?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Will they take your side in the event of a claim?
- Do they have a Better Business Bureau rating in Arlington?
Insurance can get complicated
When it comes to choosing a policy for your personal vehicles, there is no single plan that fits everyone. Every situation is different and your policy should reflect that.
Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.
- At what point should I drop full coverage?
- Why am I required to buy high-risk coverage?
- Am I covered if I wreck a rental car?
- Does my insurance cover my expensive audio equipment?
- Can I get by with minimal medical coverage if I have good health insurance?
- How much liability insurance is required?
- Am I covered when driving on a suspended license?
- Can I still get insurance after a DUI?
- Is coverage enough to protect my assets?
If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
More effort can pay off
Budget-friendly auto insurance in Arlington can be purchased online and also from your neighborhood Arlington agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not offer internet price quotes and usually these small, regional companies prefer to sell through independent insurance agencies.
We just showed you some good ideas how to lower your Volvo S40 insurance car insurance rates in Arlington. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates are with the smaller companies. These companies often have lower premium rates on specific markets than their larger competitors like State Farm, GEICO and Nationwide.
To read more, feel free to browse the following helpful articles:
- Your Car has been Stolen: Now What? (Allstate)
- Who Has the Cheapest Auto Insurance Rates for First-time Drivers in Arlington? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Toyota Corolla in Arlington? (FAQ)
- Who Has the Cheapest Arlington Auto Insurance Rates for Teenagers? (FAQ)
- What Auto Insurance is Cheapest After a Speeding Ticket in Arlington? (FAQ)
- Who Has the Cheapest Arlington Car Insurance Rates for Electric Cars? (FAQ)
- How Much are Arlington Auto Insurance Rates for Safe Drivers? (FAQ)
- Learn About Car Insurance (GEICO)
- Tools for Teen Driving Safety (State Farm)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)