Unbelievably, almost 70% of insureds in Texas have stayed with the same insurance company for over three years, and roughly 40% of drivers have never shopped around. U.S. drivers could save approximately 46.5% a year by just shopping around, but they don’t invest the time required to compare rate quotes.
The most effective way to get discount Jaguar S-Type insurance is to start comparing prices regularly from companies who sell auto insurance in Arlington. You can compare prices by following these guidelines.
First, spend some time learning about how companies price auto insurance and the things you can change to prevent expensive coverage. Many rating factors that are responsible for high rates such as careless driving and a negative credit history can be improved by paying attention to minor details.
Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or State Farm, while independent agents can provide price quotes from multiple companies.
Third, compare the new quotes to the premium of your current policy and see if there is a cheaper rate in Arlington. If you find a lower rate quote and buy the policy, make sure there is no lapse in coverage.
Fourth, tell your current company of your decision to cancel your current coverage. Submit a completed policy application and payment to your new carrier. Be sure to keep your new proof of insurance paperwork in your glove compartment.
One thing to remember is to use similar limits and deductibles on every quote and and to get prices from as many car insurance companies as possible. This enables the most accurate price comparison and a complete price analysis.
The companies shown below are ready to provide quotes in Texas. To buy cheap car insurance in Arlington, TX, we suggest you compare several of them to get the lowest price.
Cheaper rates on Jaguar S-Type insurance in Arlington with these auto insurance discounts
Companies do not advertise all available discounts very well, so the list below contains both the well known and also the lesser-known discounts that may be available. If you do not check that you are getting every discount possible, you are just wasting money.
- Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
- Buy New and Save – Putting auto insurance coverage on a new S-Type can cost up to 25% less because newer models keep occupants safer.
- Payment Discounts – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
- Government Employees – Active or retired federal employment could provide a small rate reduction depending on your company.
- Waiver for an Accident – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm will forgive one accident before they charge you more for coverage so long as you are claim-free before the accident.
- Sign Early and Save – Some insurance companies provide a discount for switching companies prior to the expiration date on your current S-Type insurance policy. Ten percent is about the average savings.
- Discount for Passive Restraints – Cars that have air bags or motorized seat belts may get savings of more than 20%.
- Theft Deterrent – Cars equipped with anti-theft or alarm systems help deter theft and that can save you a little bit as well.
- Multi-Vehicle Discounts – Purchasing coverage when you have multiple vehicles with one company qualifies for this discount.
- 55 and Retired – If you’re over the age of 55, you may qualify for lower premium rates.
Policy discounts save money, but some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.
Larger auto insurance companies and their offered discounts include:
- State Farm may offer discounts for anti-theft, accident-free, defensive driving training, student away at school, and driver’s education.
- GEICO offers discounts including anti-theft, driver training, federal employee, good student, air bags, five-year accident-free, and defensive driver.
- Allstate has savings for safe driver, new car, senior citizen, early signing, FullPay discount, and farm vehicle.
- SAFECO includes discounts for bundle discounts, homeowner, anti-theft, anti-lock brakes, accident prevention training, and drive less.
- Farm Bureau discounts include multi-policy, youthful driver, safe driver, driver training, and multi-vehicle.
- Progressive policyholders can earn discounts including multi-policy, good student, online quote discount, online signing, and homeowner.
- AAA may have discounts that include anti-theft, AAA membership discount, multi-policy, multi-car, pay-in-full, good driver, and good student.
When quoting, ask every company how many discounts you can get. Some discounts may not be offered everywhere. To see providers with discount rates in Arlington, click here to view.
Learn How to Find Insurance for Less
Lots of factors are used in the calculation when premium rates are determined. Some are obvious like an MVR report, but some are not as apparent like your continuous coverage and annual miles driven. Part of the insurance buying process is learning some of the elements that help calculate insurance rates. When you understand what determines base rates, this empowers consumers to make smart changes that can help you get better insurance rates.
GPS tracking and theft deterrents reduce rates – Choosing a vehicle that has a built-in theft deterrent system can save you some money. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft and help lower rates.
Never let your insurance policy lapse – Letting your insurance expire can be a guaranteed way to trigger a rate increase. Not only will you pay higher rates, being ticketed for driving with no insurance could result in a revoked license or a big fine. You may then have to file a SR-22 with the Texas motor vehicle department.
Does your occupation raise your prices? – Careers like real estate brokers, architects, and dentists usually pay higher average rates due to stressful work requirements and incredibly demanding work hours. On the other hand, professions such as farmers, historians and retirees have lower than average premiums.
Too many insurance claims and you’ll pay more – Car insurance companies in Texas give most affordable rates to insureds who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can pretty much guarantee higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
Discounts for married drivers – Having a significant other can actually save you money on insurance. Having a significant other means you’re more stable financially and statistics show drivers who are married file infrequent claims.
Your location is a factor – Being located in smaller towns and rural areas of the country has definite advantages when trying to find low car insurance rates. People who live in big cities have to deal with traffic congestion and longer commute times. Fewer drivers corresponds to lower accident rates.
Cheaper rates by bundling – The majority of insurance companies provide a discount to clients that have more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, you may still want to shop around to confirm you are receiving the best rates possible.There is a good possibility that you can save even more than the discount by buying insurance from more than one company.
Your liability coverage limits – Your insurance policy’s liability coverage provides coverage when you are determined to be liable for an accident. Liability provides you with a defense in court to defend your case. It is affordable coverage as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.