Regrettably, the vast majority of car insurance customers have been with the same company for four years or more, and roughly 40% of drivers have never compared rates with other companies. Consumers in Arlington could cut their rates by almost 70% a year just by comparing rates, but they underestimate the amount of savings they would get if they changed companies.
The best way to get budget Chevy Volt insurance is to start doing a yearly price comparison from different companies who can sell car insurance in Arlington. This can be done by following these steps.
- Try to comprehend auto insurance and the factors you can control to lower rates. Many policy risk factors that cause high rates like accidents, traffic tickets, and a negative credit rating can be controlled by making minor changes in your lifestyle. This article gives information to prevent high prices and get additional discounts that may have been overlooked.
- Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO and State Farm, while agents who are independent can quote prices for a wide range of insurance providers.
- Compare the new rate quotes to your existing coverage to see if a cheaper rate is available in Arlington. If you find better rates and switch companies, verify that coverage does not lapse between policies.
- Tell your current agent or company of your intention to cancel your current car insurance policy. Submit any necessary down payment along with the completed application to the new company. Don’t forget to keep the new certificate verifying coverage with your registration paperwork.
A good tip to remember is to compare the same liability limits and deductibles on each price quote and and to compare every company you can. This provides a fair rate comparison and and a good selection of different prices.
Finding the cheapest insurance coverage in Arlington is really quite easy. If you’re already insured, you should be able to get lower rates using these tips. But Texas drivers need to have an understanding of how insurance companies sell online because it varies considerably.
To get the cheapest Chevrolet Volt rate quotes, there a variety of ways to obtain and compare prices from different Arlington insurance companies. The easiest way to find affordable Chevy Volt insurance rates is to jump online and get quotes.
Comparing rate quotes online is fast and free, and it makes it obsolete to actually drive to local Arlington insurance agencies. Comparing Chevy Volt insurance rate quotes online eliminates this option unless you have a need for the professional abilities of a local agency. Although, it is possible comparison shop online and get advice from an agent in your area. Just remember that making a lot of price comparisons gives you a better chance of getting better pricing.
The car insurance companies shown below offer price comparisons in Texas. To buy the best cheap auto insurance in TX, we suggest you get prices from several of them to get the best price comparison.
Lower-cost Chevy Volt insurance in Arlington
Car insurance can cost a lot, but you may find discounts to cut the cost considerably. Many discounts should be triggered at quote time, but a few need to be asked about before they will apply. If you’re not getting every credit you qualify for, you could be paying more than you need to.
- Defensive Driver Discounts – Participating in a safe driver class may get you a small discount and make you a better driver.
- Renewal Discounts – Select larger companies give a discount for buying a new policy early. You can save around 10% with this discount.
- Responsible Driver Discounts – Insureds without accidents may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
- Multi-policy Discount – If you can bundle your auto and home insurance with one company you will save over 10 percent off each policy depending on the company.
- No Claims – Arlington drivers who stay claim-free are rewarded with significantly better rates on Arlington car insurance quote compared to frequent claim filers.
- Pay Upfront and Save – By paying your policy upfront rather than spreading payments over time you can avoid monthly service charges.
You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, you aren’t that lucky.
Companies that may include some of the above discounts possibly include:
When getting free Arlington car insurance quotes, it’s a good idea to every insurance company to give you their best rates. Some discounts listed above might not be offered on policies in Arlington. To see insurers that provide some of the discounts listed above in Arlington, click here.
Arlington Insurance Premiums are Influenced by These Factors
Lots of things are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other factors are less apparent such as your marital status or how safe your car is.
The following are some of the most rate-impacting factors used by insurance companies to determine your premiums.
- Don’t cut corners with liability protection – A critical coverage on your policy, liability insurance will provide protection when you are determined to be liable for personal injury or accident damage. Liability insurance provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
- Vehicle theft costs us all – Choosing a vehicle that has a built-in theft deterrent system can help lower your premiums. Systems that thwart thieves such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft and help lower rates.
- Commute or pleasure use – The more miles you rack up on your Chevy every year the more you’ll pay to insure it. Many insurance companies apply a rate based upon how much you drive. Autos that do not get driven very much can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your declarations sheet states annual mileage, because it can save money. Incorrect rating for your Volt is just wasting money.
- Less chance of injury means lower premiums – Vehicles with good safety scores get lower rates. Safer cars reduce the chance of injuries and lower injury rates translates into fewer and smaller insurance claims which can result in lower premiums. If your Chevy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
- Does your occupation raise your rates? – Did you know your job can affect your rates? Occupations like military personnel, airline pilots, and miners have higher premium rates in part from high stress levels and long work days. Conversely, occupations such as professors, engineers and performers have the lowest average rates.
- An active policy claims history can cost you more – If you file claims often, you can look forward to higher rates. Car insurance companies in Texas generally give lower rates to policyholders that do not abuse their auto insurance. Auto insurance is intended to be relied upon for claims that pose a financial burden.
- Credit rating impact car insurance costs – Credit history can be an important factor in determining premium rates. Drivers with excellent credit scores tend to be less risk to insure than those with lower credit ratings. If your credit can use some improvement, you could save money insuring your Chevrolet Volt by improving your rating.
- You may save more by combining policies – Many companies allow a discount to customers that have more than one policy such as combining an auto and homeowners policy. Discounts can be ten percent or more. Even if you qualify for this discount already, it’s in your best interest to shop around to help ensure you have the lowest rates.
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Chevy Volt insurance claim data – Insurers factor in historical loss data in order to profitably underwrite each model. Models that historically have higher prevalence or dollar amount of losses will have higher rates. The next table shows the loss history for Chevy Volt vehicles.
For each policy coverage, the claim amount for all vehicles averaged together is represented as 100. Numbers shown that are under 100 are indicative of better than average losses, while numbers above 100 indicate more frequent claims or larger claims.
Auto Insurance Loss Data for Chevrolet Volt Models Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Chevrolet Volt Electric 89 83 81 71 73 90 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance agents can find coverage gaps
Many drivers prefer to buy from a local agent and we recommend doing that A good thing about comparing insurance prices online is the fact that drivers can get the lowest rates and still buy from a local agent.
After completing this simple form, your insurance coverage information is submitted to local insurance agents who will give you quotes for your insurance coverage. You don’t have to find an agent on your own because quoted prices will be sent to your email. You can get cheaper auto insurance rates without requiring a lot of work. If you wish to get a price quote from a particular provider, just visit that company’s website and fill out their quote form.
Picking the best insurer requires you to look at more than just the premium amount. Here are some questions to ask:
- Where would glass claims be handled in Arlington?
- Do you work with a CSR or direct with the agent?
- Is coverage determined by price?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does the agency support the community they serve?
Exclusive agents vs. Independent agents
If you would like to find a local agent, it helps to know the two types of agencies and how they can write your policy. Auto insurance agents in Arlington can be categorized as either exclusive or independent.
Exclusive Auto Insurance Agents
Exclusive insurance agents can only provide one company’s prices such as AAA, Allstate, and State Farm. They generally cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are highly trained on what they offer which aids in selling service over price.
Shown below are Arlington exclusive insurance agencies who may provide you with rate quotes.
Allstate Insurance: Yvette Holguin
5800 S Collins St #124 – Arlington, TX 76018 – (817) 609-8051 – View Map
Farmers Insurance: Scott Insurance Agency
5800 I-20 Frontage Rd #100 – Arlington, TX 76017 – (817) 225-6431 – View Map
Mike Zapata – State Farm Insurance Agent
1115 E Pioneer Pkwy #140 – Arlington, TX 76010 – (817) 277-2021 – View Map
Independent Auto Insurance Agencies
Agents in the independent channel are not restricted to one company and that is an advantage because they can write policies through many companies and help determine which has the cheapest rates. If you want to switch companies, they simply move your policy to a different company which makes it simple for you. When comparing auto insurance prices, we recommend you compare prices from several independent agencies so that you can do a thorough price comparison.
Listed below is a short list of independent agents in Arlington that can give you rate quotes.
Trang Le Insurance Agency
2397 S Collins St – Arlington, TX 76014 – (817) 779-4849 – View Map
Low Rate Insurance Agency
1900 E Abram St – Arlington, TX 76010 – (817) 635-0375 – View Map
All Texas Insurance Inc
5721 Interstate 20 W # 110, Arlington, TX 76018 – Arlington, TX 76017 – (214) 330-0033 – View Map
Arlington car insurance companies
Buying coverage from a high-quality auto insurance company can be rather challenging considering how many different insurance companies sell coverage in Texas. The company ratings below could help you analyze which companies to look at when shopping around.
| 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
Persistence is the key to affordable rates
In this article, we covered some good ideas how to get a better price on Chevy Volt insurance in Arlington. It’s most important to understand that the more companies you get rates for, the better likelihood of getting affordable Arlington car insurance quotes. Consumers could even find that the lowest prices are with a small mutual company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.
Some companies do not offer online quoting and many times these smaller providers prefer to sell through independent agents. Affordable Chevy Volt insurance in Arlington can be purchased online and also from your neighborhood Arlington agents, so compare prices from both to have the best rate selection.
Much more information about car insurance in Texas is located on the following sites:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Rates for First-time Drivers in Arlington? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Welfare Recipients in Arlington? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Nissan Versa in Arlington? (FAQ)
- Who Has the Cheapest Arlington Car Insurance for High Mileage Drivers? (FAQ)
- How Much are Auto Insurance Quotes for Homeowners in Arlington? (FAQ)
- How Much is Arlington Auto Insurance for Business Use? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Auto Insurance Learning Center (State Farm)
- Vehicle Insurance in the U.S. (Wikipedia)