If you want to save money, the best way to find cheaper quotes for auto insurance rates in Arlington is to start doing an annual price comparison from insurance carriers in Texas. Rates can be compared by following these steps.
First, take a few minutes and learn about how auto insurance works and the changes you can make to prevent high rates. Many factors that are responsible for high rates such as distracted driving and poor credit history can be remedied by making minor changes to your lifestyle.
Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or State Farm, while agents who are independent can provide rate quotes from many different companies.
Third, compare the quotes to your existing coverage to see if you can save by switching companies. If you find a lower rate and change companies, make sure coverage does not lapse between policies.
Fourth, give notification to your current company of your intent to cancel your current car insurance policy and submit payment and a completed application to the new company. As soon as you receive it, put the certificate of insurance with your registration paperwork.
A crucial key to this process is that you’ll want to make sure you compare similar coverage information on every price quote and and to get quotes from as many companies as feasibly possible. Doing this helps ensure the most accurate price comparison and many rates to choose from.
We don’t have to tell you that car insurance companies want to keep you from comparing rates. People who shop around for better prices are very likely to switch insurance companies because they have a good chance of finding a policy with better rates. A recent survey revealed that consumers who compared rate quotes regularly saved $3,500 over four years as compared to drivers who didn’t regularly shop around.
If finding the best rates on Lexus NX 200t insurance is your goal, understanding how to compare insurance can help you be more efficient.
Companies offering Lexus NX 200t insurance in Arlington
The companies shown below are our best choices to provide free quotes in Arlington, TX. To locate the best cheap auto insurance in Arlington, we suggest you get prices from several of them to find the cheapest auto insurance rates.
Insurance quotes and discounts
Some insurance providers don’t always advertise their entire list of discounts very well, so the below list has both well-publicized in addition to some of the lesser obvious insurance savings.
- Air Bags and Passive Restraints – Factory options such as air bags can qualify for discounts of up to 25% or more.
- Arlington Homeowners Discount – Owning your own home or condo can help you save on insurance because it requires personal responsibility.
- Multiple Policy Discount – If you combine your auto and home policies with one company you will save up to 20% off your total NX 200t insurance premium.
- Clubs and Organizations – Being in a professional or civic organization is a simple method to lower premiums on your policy.
- Discounts for Cautious Drivers – Drivers who don’t get into accidents can save up to 40% or more on their Arlington auto insurance quote as compared to drivers with claims.
- Federal Government Employee – Having worked for a branch of the government could provide a small rate reduction with select insurance companies.
- Low Mileage Discounts – Driving less could qualify for lower premium rates due to less chance of an accident.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up can save a little off the personal injury premium cost.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
- No Claims – Drivers with accident-free driving histories pay much less as compared to bad drivers.
As a footnote on discounts, most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. So even though you would think all the discounts add up to a free policy, you’re out of luck.
To view companies that offer the discounts shown above in Texas, click this link.
Insurance can get complicated
When it comes to insurance from an agent or online for your personal vehicles, there really is not a “perfect” insurance plan. Your financial needs are unique so your insurance should reflect that Here are some questions about coverages that might point out whether your personal situation may require specific advice.
- Are my company tools covered if they get stolen?
- Why do I need rental car insurance?
- Should I rate my vehicle as business use?
- How much liability coverage do I need in Texas?
- Does having multiple vehicles earn me a discount?
- Are rock-chip repairs free?
- What is the difference between comprehensive and collision coverage?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.
Buying car insurance from Arlington auto insurance agents
A small number of people prefer to get advice from a local agent and doing so can bring peace of mind A good thing about comparing rates online is you can get cheap car insurance rates and still choose a local agent.
To find an agent, once you fill out this short form, the coverage information is submitted to participating agents in Arlington who will return price quotes for your insurance coverage. There is no need to contact any agents 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 have a need to get a price quote from one company in particular, you would need to navigate to their website and give them your coverage information.
Finding the right company requires more thought than just a cheap price quote. These questions are important to ask:
- Can glass claims be handled at your home?
- Does the agency have a positive business rating?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will they take your side in the event of a claim?
- Can you choose the body shop in case repairs are needed?
- Does the agency provide any after hours assistance?
Car insurance agents in Arlington come in two varieties
When looking for local Arlington agents, it’s important to understand the different types of agencies and how they can service your needs differently. Agencies in Arlington can be categorized as either exclusive or independent.
Exclusive Insurance Agents
These agents can only write with one company and examples are American Family, State Farm, and Allstate. Exclusive agents are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are usually well trained on the products they sell which helps overcome the inability to quote other rates.
Shown below are Arlington exclusive insurance agencies that are able to give price quotes.
Allstate Insurance: Michael Puzzuole
2175 W Green Oaks Blvd – Arlington, TX 76013 – (817) 446-1522 – View Map
TJ Villarreal – State Farm Insurance Agent
851 NE Green Oaks Blvd – Arlington, TX 76006 – (817) 461-0000 – View Map
Samantha Nguyen-Le – State Farm Insurance Agent
3415 S Collins St #107 – Arlington, TX 76014 – (817) 466-3000 – View Map
Independent Agencies or Brokers
Agents that choose to be independent are not locked into one company so they can insure your vehicles through lots of different companies enabling the ability to shop coverage around. If they quote lower rates, the agent simply finds a different carrier and you don’t have to do anything. When searching for an agent, you absolutely need to include price quotes from a couple of independent agencies for maximum quote selection.
Listed below are independent insurance agents in Arlington who can help you get comparison quotes.
Nationwide Insurance: Al Sicard Agency Group LLC
1818 E Abram St – Arlington, TX 76010 – (817) 460-3377 – View Map
Shane Ferrell Insurance Agency
3926 W Pioneer Pkwy – Arlington, TX 76013 – (817) 635-4663 – View Map
Nationwide Insurance: Comparable Insurance Agency Inc
1700 E Pioneer Pkwy Ste 190 – Arlington, TX 76010 – (817) 460-8899 – View Map
Once you have received good feedback for all questions you ask in addition to an acceptable price estimate, it’s a good possibility that you have found an insurance agency that meets your needs to insure your vehicles.
What is the best car insurance company in Arlington?
Buying coverage from the best company can be difficult considering how many choices you have in Arlington. The information listed below may help you select which auto insurers to look at putting your business with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Quote. Compare. Save.
Throughout this article, we presented many ways to save on Lexus NX 200t insurance in Arlington. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable Lexus NX 200t insurance quotes. You may even be surprised to find that the lowest priced car insurance comes from an unexpected company. They may often insure only within specific states and give better rates as compared to the big name companies such as Allstate and Progressive.
Lower-priced Lexus NX 200t insurance in Arlington can be sourced from both online companies in addition to many Arlington insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies don’t offer rate quotes online and usually these small, regional companies work with independent insurance agents.
Even more information can be read in the articles below:
- Liability Insurance Coverage (Nationwide)
- What Auto Insurance is Cheapest for Felons in Arlington? (FAQ)
- What Auto Insurance is Cheapest for a 20 Year Old Male in Arlington? (FAQ)
- Who Has the Cheapest Arlington Auto Insurance Rates for Single Moms? (FAQ)
- Frontal Crash Tests (iihs.org)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)