It’s well known that auto insurance companies don’t want you to look for cheaper rates. Drivers who compare rates once a year will, in all likelihood, switch car insurance companies because they have good chances of finding good coverage at a lower price. A recent survey found that consumers who regularly shopped around saved as much as $3,450 over four years as compared to drivers who never compared prices.
If finding the cheapest price for car insurance is your goal, then having some knowledge of how to get price quotes and compare insurance can save time and make the process easier.
Truthfully, the best way to get more affordable Lexus IS 300 insurance in Arlington is to start comparing prices yearly from insurers who can sell car insurance in Texas.
- Try to learn about what is in your policy and the modifications you can make to prevent expensive coverage. Many risk factors that cause high rates such as multiple speeding tickets and a negative credit rating can be controlled by making small lifestyle or driving habit changes. This article provides instructions to prevent rate hikes and find hidden discounts.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO and State Farm, while independent agencies can provide price quotes for many different companies.
- Compare the price quotes to your current policy to determine if you can save on IS 300 insurance in Arlington. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.
One tip to remember is that you’ll want to compare identical deductibles and limits on each price quote and and to get price quotes from every company you can. This guarantees an apples-to-apples comparison and a thorough selection of prices.
To find affordable Lexus IS 300 insurance quotes, there are several ways to compare rate quotes from auto insurance companies in your area. The quickest method to find the lowest Lexus IS 300 rates consists of obtaining rate quotes online.
It’s important to know that getting more free quotes provides better odds of finding more affordable insurance. Some regional insurers cannot provide Arlington IS 300 insurance quotes over the internet, so it’s recommended that you also compare price quotes on coverage from those companies, too.
The companies in the list below are ready to provide free rate quotes in Texas. In order to find the best cheap auto insurance in TX, it’s highly recommended you visit several of them to get the most competitive price.
Cheaper rates with these five discounts
Car insurance is neither fun to buy or cheap, but there could be available discounts that could drop your premiums quite a bit. Certain discounts will be applied at the time of purchase, but once in a while a discount must be asked for in order for you to get them. If you don’t get every credit you deserve, you could be saving more on your car insurance.
- Theft Deterrent System – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Senior Discount – If you qualify as a senior citizen, you are able to get lower premium rates.
- Home Ownership Discount – Owning a house in Arlington can help you save on car insurance since home ownership is proof of financial responsibility.
- Multi-Vehicle Discounts – Insuring multiple cars or trucks with one company can get a discount on all vehicles.
- Student in College – Children who attend college more than 100 miles from Arlington and won’t have access to an insured vehicle could qualify for this discount.
Please keep in mind that many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you can get free auto insurance, companies don’t profit that way.
Some companies that have some of the above discounts possibly include:
Before you buy a policy, ask each insurance company to apply every possible discount. Some discounts listed above may not apply in Arlington. To locate insurers offering car insurance discounts in Arlington, click here.
Insurance protects more than just your car
Despite the potentially high cost of Lexus IS 300 insurance, insurance may not be optional for several reasons.
First, the majority of states have mandatory liability insurance requirements which means the state requires a specific level of liability in order to drive the car. 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.
Second, if you took out a loan on your Lexus IS 300, more than likely the lender will require that you carry insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may insure your Lexus for a much higher rate and make you pay the higher price.
Third, insurance protects both your assets and your Lexus IS 300. Insurance will also pay for medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If you have damage to your Lexus as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of buying insurance more than cancel out the cost, especially if you ever need it. Today the average American driver overpays as much as $830 a year so it’s very important to do a rate comparison once a year at a minimum to ensure rates are inline.
Best auto insurance in Arlington
Insuring your vehicle with a highly-rated insurer can be difficult considering how many companies there are to choose from in Texas. The ranking data listed below could help you choose which auto insurers to look at comparing rates 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
There’s no such thing as the perfect car insurance policy
When quoting and choosing coverage online or from an agent for your personal vehicles, there really isn’t a one-size-fits-all type of policy. You are unique and your car insurance should unique, too.
These are some specific questions might help in determining whether or not you may require specific advice.
- Is my teenager covered with friends in the car?
- What is an SR-22 filing?
- What is GAP insurance?
- Is my Lexus IS 300 covered for flood damage?
- What does medical payments coverage do?
- Are my tools covered if they get stolen from my vehicle?
- Am I covered when driving on a suspended license?
- How much liability insurance is required?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.
Shop online but buy locally
A small number of people still like to buy from a local agent and doing so can bring peace of mind The biggest benefit of comparing rates online is that you can find lower rates and still buy from a local agent. And buying from local insurance agents is especially important in Arlington.
After filling out this simple form, your insurance coverage information is transmitted to local insurance agents that provide free Arlington auto insurance quotes for your coverage. You won’t need to do any legwork due to the fact that quote results will go to the email address you provide. You’ll get the best rates without having to waste a lot of time. If you have a need to quote rates from a particular provider, just find their quoting web page to submit a rate quote request.
Pick the best car insurance agent in Arlington for you
When researching a reputable agency, you must know there are a couple types of agencies that you can select. Agencies in Arlington can be categorized as either exclusive or independent (non-exclusive).
Independent Agents (or Brokers)
Independent agents are appointed with more than one company so they can write business with a variety of different insurance companies depending on which coverage is best. If premiums increase, your agent can switch companies and that require little work on your part.
When shopping rates, you should always contact at a minimum one independent agency to get the most accurate price comparison. They also have the ability to place coverage with smaller regional carriers which may provide better rates.
The following is a list of independent agencies in Arlington that can possibly get you price quotes.
- Aramex Insurance Agency
1523 New York Ave – Arlington, TX 76010 – (800) 711-1418 – View Map - Pickard Insurance Agency
2221 W Arkansas #102 – Arlington, TX 76013 – (817) 460-0333 – View Map - Strack Insurance Services
6027 Interstate 20 W – Arlington, TX 76017 – (817) 557-0100 – View Map
Exclusive Auto Insurance Agents
Agents of this type can only place business with one company and some examples include State Farm or Allstate. These agents are not able to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive insurance agents are trained well in insurance sales which helps overcome the inability to quote other rates. Consumers sometimes choose to use an exclusive agent mostly because of the brand legacy rather than low rates.
Shown below is a list of exclusive insurance agencies in Arlington that are able to give price quotes.
- Jackie Halpin-Osteen – State Farm Insurance Agent
2530 Legacy Point Dr – Arlington, TX 76006 – (817) 274-1601 – View Map - Farmers Insurance: Scott Insurance Agency
5800 I-20 Frontage Rd #100 – Arlington, TX 76017 – (817) 225-6431 – View Map - Jeremy Normand State Farm®
3000 S Cooper St – Arlington, TX 76015 – (817) 465-6292 – View Map
Picking a insurance agent is decision based upon more than just the premium amount. These are some questions you should get answers to.
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is their price quote a firm figure or are their hidden costs?
- Are they paid to recommend certain coverages?
- Can they provide you with a list of referrals?
- Do they specialize in personal lines coverage in Arlington?
- Is vehicle damage repaired with OEM or aftermarket parts?
Upon getting good answers to any questions you may have and an acceptable price quote, you may have found an insurance agency that is professional and can properly insure your vehicles. It’s important to know that you are entitled to terminate coverage at any time so never assume that you are permanently stuck with the auto insurance policy indefinitely.
Car insurance coverages for a Lexus IS 300
Learning about specific coverages of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are typical coverages available from auto insurance companies.
Coverage for uninsured or underinsured drivers
This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Lexus IS 300.
Due to the fact that many Texas drivers carry very low liability coverage limits (30/60/25), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liability limits.
Collision protection
Collision coverage will pay to fix damage to your IS 300 resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like hitting a parking meter, sideswiping another vehicle, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible on your IS 300 to bring the cost down.
Comprehensive auto insurance
This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like rock chips in glass, vandalism, falling objects, hail damage and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Coverage for medical expenses
Coverage for medical payments and/or PIP reimburse you for bills like X-ray expenses, prosthetic devices, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage
Auto liability insurance
This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 30/60/25 which means $30,000 in coverage for each person’s injuries, $60,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.
Liability insurance covers claims such as structural damage, medical expenses, legal defense fees, pain and suffering and medical services. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible. Texas state law requires minimum liability limits of 30/60/25 but drivers should carry more liability than the minimum.
The next chart shows why minimum state limits may not be enough coverage.