If you want to save money, the best way to get the cheapest auto insurance rates is to annually compare prices from insurers who sell auto insurance in Arlington. Rate comparisons can be done by completing these steps.
- Get an understanding of coverages and the measures you can control to prevent high rates. Many policy risk factors that drive up the price like careless driving and a not-so-good credit score can be remedied by making lifestyle changes or driving safer. This article gives more details to prevent rate hikes and find additional discounts.
- Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive and State Farm, while independent agencies can quote prices from multiple companies.
- Compare the new rates to the price on your current policy and determine if cheaper G8 coverage is available. If you can save money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Notify your current company to cancel your current policy. Submit a down payment along with a signed application to your new insurance company. Once coverage is bound, put the new certificate of insurance in an accessible location in your vehicle.
The key thing to remember is to try to compare the same deductibles and limits on each quote request and and to get prices from as many carriers as you can. Doing this helps ensure the most accurate price comparison and a complete price analysis.
It’s easy to assume that auto insurance companies don’t want you to look at other companies. Drivers who compare rates at least once a year will presumably switch to a new company because there is a great chance of finding coverage at a cheaper rate. A recent survey discovered that consumers who made a habit of comparing rates saved as much as $3,500 over four years compared to other drivers who never compared other company’s rates.
If finding the most affordable Pontiac G8 insurance in Arlington is your objective, then having an understanding of how to shop and compare insurance rates can make it easier to shop your coverage around.
Buy More Affordable Auto Insurance with These Tips
Many factors are taken into consideration when pricing auto insurance. Some are pretty understandable like an MVR report, but other criteria are not as apparent like where you live or how safe your car is. The best way to find cheaper auto insurance is to take a look at the rating factors that are used to determine the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that could help you find better auto insurance rates.
- Rural areas have lower prices – Residing in less populated areas may provide you with better prices when insuring your vehicles. City drivers have more traffic problems and more time behind the wheel. Less people means fewer accidents and lower theft and vandalism rates.
- Auto insurance rates and age – More mature drivers are more cautious drivers, cause fewer claims and accidents, and receive fewer citations. Drivers with little experience are statistically proven to get distracted easily when driving with friends and because of this, their auto insurance rates are much higher.
- No auto insurance gaps is important – Driving with no insurance is a misdemeanor and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will you pay more, being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license. You may have to prove you have insurance by filing a SR-22 with the Texas DMV.
- Occupation stress can affect rates – Occupations such as lawyers, executives, and accountants usually pay higher rates than the rest of us attributed to intense work requirements and long work days. Other professions such as scientists, historians and the unemployed pay the least.
- Vehicles with better crash test results cost less to insure – Safer cars cost less to insure. Vehicles engineered for safety reduce injuries and fewer injuries means less money paid by your insurance company which can result in lower premiums.
- Put fewer miles on your vehicle – The higher the mileage driven in a year the higher your rate. Almost all companies apply a rate based on how the vehicle is used. Cars that do not get driven very much can be on a lower rate level than vehicles that have high annual mileage. It’s a smart idea to ensure your auto insurance coverage reflects how each vehicle is driven, because improper ratings can cost you money. An incorrectly rated G8 may be costing you.
- Liability protection risk factors – The liability coverage on your policy is the protection if ever you are determined to be liable for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
Most major insurance companies such as Allstate and Progressive make it easy to get coverage prices on their websites. Getting online quotes for Pontiac G8 insurance in Arlington is pretty painless because it’s just a matter of typing in the coverages you want into a form. Behind the scenes, their rating system requests your driving record and credit report and generates pricing information based on the information you submitted.
This makes it simple to compare prices and it’s absolutely necessary to perform this step if you are searching for the best car insurance rates.
In order to use this form to compare rates, compare rates from the companies below. If you currently have coverage, we recommend you enter your coverages as shown on your current policy. This makes sure you will have rate comparison quotes based on identical coverages.
The companies shown below have been selected to offer free quotes in Texas. If multiple companies are listed, we suggest you click on several of them in order to find the cheapest rates.
Three good reasons to insure your Pontiac G8
Despite the fact that car insurance is not cheap in Arlington, paying for car insurance is mandatory in Texas but it also protects more than you think.
- The majority of states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability insurance coverage in order to license the vehicle. 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.
- If your G8 has a lienholder, it’s most likely the lender will stipulate that you have full coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Pontiac at a significantly higher premium and force you to pay much more than you were paying before.
- Car insurance preserves not only your vehicle but also your financial assets. Insurance will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay to defend you if someone files suit against you as the result of an accident. If your Pontiac gets damaged, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of insuring your G8 are definitely more than the cost, particularly if you ever have a claim. The average driver in Texas is wasting up to $830 a year so compare quotes from several companies at every policy renewal to be sure current rates are still competitive.
Verify you’re applying every discount
Companies that sell car insurance do not list every discount they offer in a way that’s easy to find, so the list below gives a summary of both the well known in addition to some of the lesser obvious discounts that may be available. If you are not receiving all the discounts you qualify for, you’re paying more than you need to.
- Discounts for Federal Employees – Simply working for the federal government can earn a discount up to 10% with select insurance companies.
- Payment Discounts – By paying your policy upfront rather than paying in monthly installments you can avoid monthly service charges.
- Defensive Driver Discounts – Taking a defensive driving class can save you 5% or more and make you a better driver.
- First Accident Forgiveness – This one isn’t a discount, but a few companies such as Liberty Mutual, Allstate and State Farm will let one accident slide before raising your premiums with the catch being you have to be claim-free for a set time period.
- Multi-car Discount – Buying insurance for multiple cars on one policy can get a discount for every vehicle.
A quick disclaimer, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.
Car insurance companies that may offer policyholders some of the above discounts possibly include:
When getting free Arlington auto insurance quotes, it’s a good idea to every company which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in Arlington. To view companies with discount auto insurance rates in Arlington, follow this link.
Compare rate quotes but work with a neighborhood Arlington auto insurance agent
A small number of people would rather get advice from a local agent and we recommend doing that Professional agents can make sure you are properly covered and help file insurance claims. One of the best bonuses of comparing insurance prices online is that drivers can save money and get lower auto insurance rates and still have a local agent. Buying from and supporting local insurance agents is definitely important in Arlington.
After completing this quick form, the coverage information is sent to companies in Arlington who want to provide quotes for your business. You never need to leave your house because quoted prices will be sent to you directly. If you have a need to compare rates from a specific company, feel free to go to their quote page and submit a quote form there.
If you need to find a local agent, it can be helpful to understand the different agency structures that you can select. Agents may be either exclusive agents or independent agents. Either one can properly insure your vehicles, but it’s good to learn the difference in the companies they write for since it may influence which agent you choose.
Independent Car Insurance Agents (or Brokers)
Independent agents are not restricted to one company so they can write business amongst many companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally and you can keep the same agent.
When comparing rate quotes, we recommend you compare prices from a couple of independent agencies to have the most options to choose from. Most also write with smaller regional carriers which may provide better rates.
The following are Arlington independent insurance agencies who may be able to give you competitive price quotes.
- Estes and Cleveland Insurance Agency, Inc.
521 E Abram St – Arlington, TX 76010 – (817) 265-4488 – View Map
- Tucker Insurance Agency
3901 Arlington Highlands Blvd #200 – Arlington, TX 76018 – (817) 695-5166 – View Map
- Nationwide Insurance: Al Sicard Agency Group LLC
1818 E Abram St – Arlington, TX 76010 – (817) 460-3377 – View Map
Exclusive Insurance Agents
Exclusive agencies normally can only provide a single company’s rates such as Allstate, Farmers Insurance or State Farm. Exclusive agents cannot give you multiple price quotes so they have no alternatives for high prices. Exclusive agencies are very knowledgeable in insurance sales and that enables them to sell even at higher rates. Some people will only use the same agent mainly due to the prominent brand name and solid financial strength.
Below are Arlington exclusive insurance agencies willing to provide price quote information.
- Allstate Insurance: Classic Family Agency
1001 NE Green Oaks Blvd Ste 171 – Arlington, TX 76006 – (817) 468-3066 – View Map
- GEICO Insurance Agent
5930 Interstate 20 W Suite 252 – Arlington, TX 76017 – (817) 985-5300 – View Map
- Mark Leal – State Farm Insurance Agent
1420 N Cooper St #106 – Arlington, TX 76011 – (682) 323-5033 – View Map
Finding the right car insurance agent should depend on more than just the quoted price. These are some questions you should get answers to.
- Are they primarily personal or commercial lines agents in Arlington?
- Do they offer rental car reimbursement?
- Does the company have a solid financial rating?
- Do they get paid more for recommending certain coverages?
- Will the agent help in case of a claim?
Best auto insurance company in Arlington
Choosing a high-quality insurance provider can be rather challenging considering how many companies sell coverage in Texas. The ranking data shown below may help you decide which coverage providers you want to consider shopping your coverage with.
Top 10 Arlington Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
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%
Different people need different auto insurance coverages
When selecting the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. You are unique so this has to be addressed.
For instance, these questions can help discover whether you would benefit from an agent’s advice.
- Can I use my car for my catering business?
- How can I find cheaper teen driver insurance?
- Is my vehicle covered by my employer’s policy when using it for work?
- Is a fancy paint job covered?
- Do I need replacement cost coverage?
- Am I covered when driving on a suspended license?
- What does roadside assistance cover?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.
How much can you save?
In this article, we presented quite a bit of information on how to save on Pontiac G8 insurance in Arlington. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with the least-expected company. These companies may only write in your state and offer lower rates than their larger competitors like State Farm, GEICO and Nationwide.
As you shop your coverage around, do not buy poor coverage just to save money. There are many occasions where someone dropped collision coverage and learned later they didn’t purchase enough coverage. Your goal is to get the best coverage possible at the best cost, but don’t skip important coverages to save money.
Low-cost Pontiac G8 insurance in Arlington can be bought from both online companies and also from your neighborhood Arlington agents, and you need to comparison shop both to have the best selection. Some insurance providers may not provide online price quotes and most of the time these smaller providers provide coverage only through independent insurance agencies.
Even more information can be found in these articles:
- How to Avoid Staged Accidents (State Farm)
- What Insurance is Cheapest for a Dodge Journey in Arlington? (FAQ)
- What Auto Insurance is Cheapest for 19 Year Olds in Arlington? (FAQ)
- Who Has Affordable Arlington Auto Insurance for Drivers with Accidents? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Electronic Stability Control FAQ (iihs.org)