Astonishing but true, the majority of drivers have purchased from the same company for over three years, and 38% of drivers have never quoted car insurance rates at all. Many consumers in the U.S. could save themselves approximately 47% a year just by comparing rates, but they just don’t want to shop their coverage around.
It takes a few minutes, but the best way to find the cheapest price for car insurance rates is to regularly compare prices from different companies who sell auto insurance in Arlington. Price quotes can be compared by following these steps.
- Step 1: Take a little time to learn about individual coverages and the measures you can take to prevent expensive coverage. Many things that cause high rates like at-fault accidents and a negative credit history can be improved by being financially responsible and driving safely.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from multiple sources.
- Step 3: Compare the new rate quotes to your current policy to see if a cheaper price is available in Arlington. If you can save some money, make sure there is no coverage gap between policies.
One tip to remember is to try to compare the same liability limits and deductibles on every quote and and to get quotes from as many different insurance providers as possible. This provides a level playing field and a better comparison of the market.
Cutting your car insurance rates can be relatively painless. Just invest a few minutes to compare rates online from several insurance companies.
The auto insurance companies shown below have been selected to offer free rate quotes in Texas. If you want to find cheap auto insurance in Arlington, we suggest you visit two to three different companies to get the best price comparison.
Mazda MX-5 Miata insurance coverage information
The coverage information below covers a range of insurance costs for Mazda MX-5 Miata models. Being aware of how prices are established can help you make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MX-5 Miata Sport 2-Dr Convertible | $200 | $346 | $310 | $18 | $94 | $968 | $81 |
| MX-5 Miata Touring 2-Dr Convertible | $230 | $422 | $310 | $18 | $94 | $1,074 | $90 |
| MX-5 Miata Grand Touring 2-Dr Convertible | $230 | $422 | $310 | $18 | $94 | $1,074 | $90 |
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in Arlington location which can influence coverage rates greatly.
Policy deductible comparison
A question often asked by Arlington drivers is which comprehensive and collision deductibles to buy. The figures shown below may aid in understanding the difference in cost of buying low and high physical damage coverage deductibles. The first rate comparisons uses a $100 physical damage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MX-5 Miata Sport 2-Dr Convertible | $286 | $486 | $324 | $20 | $96 | $1,237 | $103 |
| MX-5 Miata Touring 2-Dr Convertible | $328 | $592 | $324 | $20 | $96 | $1,385 | $115 |
| MX-5 Miata Grand Touring 2-Dr Convertible | $328 | $592 | $324 | $20 | $96 | $1,385 | $115 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MX-5 Miata Sport 2-Dr Convertible | $208 | $328 | $324 | $20 | $96 | $976 | $81 |
| MX-5 Miata Touring 2-Dr Convertible | $240 | $400 | $324 | $20 | $96 | $1,080 | $90 |
| MX-5 Miata Grand Touring 2-Dr Convertible | $240 | $400 | $324 | $20 | $96 | $1,080 | $90 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can affect premiums substantially.
Using the data above, we can ascertain that using a $100 deductible costs about $24 more each month or $288 for a full year than selecting the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at least 17 months between claims, you would more than likely save some money if you elect the higher deductible. Here’s an example of how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $111 |
| Average monthly premium for $500 deductibles (subtract): | – $87 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One important caveat is that a higher deductible means you pay more out-of-pocket when you do file a claim. That will require some extra savings in the event you need to pay more to get your vehicle repaired.
The information below demonstrates how deductibles and can change Mazda MX-5 Miata annual premium costs for each different age group. The premium estimates are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
Driving violations and accidents
The chart below illustrates how speeding tickets and accident claims can drive up Mazda MX-5 Miata premium costs for different age categories. The premiums are based on a married male driver, full coverage, $100 deductibles, and no additional discounts are factored in.
Age-based auto insurance rates by gender
The example below illustrates the difference between Mazda MX-5 Miata insurance prices for male and female drivers. The premiums are based on no claims or driving citations, full coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
Rate comparison of full coverage and liability-only
The illustration below compares Mazda MX-5 Miata insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims or driving citations, $250 deductibles, drivers are single, and no discounts are applied to the premium.
When to stop buying comprehensive and collision coverage
There is no definitive guideline that is best for determining when to drop physical damage coverage, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s say your Mazda MX-5 Miata settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $6,000 after the policy deductible has been paid. If it’s costing in excess of $600 a year to have full coverage, then you might want to consider buying only liability coverage.
There are some cases where removing full coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not drop full coverage.
How do I know if I need professional advice?
Keep in mind that when it comes to choosing your policy for your vehicles, there really is no single plan that fits everyone. You are unique and your auto insurance should unique, too.
For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.
- Can I afford low physical damage deductibles?
- Who is covered when they drive my Mazda MX-5 Miata?
- Can I rate high risk drivers on liability-only vehicles?
- Should I have combined single limit or split liability limits?
- Will my rates increase for filing one claim?
- How many claims can I have before being canceled?
- Do I really need UM/UIM coverage?
- What does UM/UIM cover?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
What if I want to buy from local Arlington insurance agents?
Some people would prefer to buy from a local agent and there is nothing wrong with that. Most agents will help you protect your assets and will help you if you have claims. One of the best bonuses of getting free rate quotes online is you may find the best rates and still buy from a local agent. Buying insurance from small agencies is important especially in Arlington.
To help locate an agent, after submitting this simple form, the quote information is immediately sent to insurance agents in Arlington who will give competitive quotes for your auto insurance coverage. There is no reason to search for an agent since price quotes are sent directly to you. If you wish to get a rate quote from a specific auto insurance provider, you would need to go to their quote page and fill out the quote form the provide.
When looking for a reputable insurance agent or broker, it’s important to understand the different types of agencies to choose from. Arlington agents can either be exclusive or independent (non-exclusive). Either type can do a good job, but it’s important to point out how they are different since it can impact the kind of agent you use.
Independent Agents
Agents that elect to be independent can quote rates with many companies so they can write business with any number of different companies and find the cheapest auto insurance rates. If they find a lower price, the agent simply finds a different carrier without you having to go to a different agency. When comparing auto insurance prices, you definitely need to compare prices from at least one independent agent to have the most options to choose from. Most also have access to small regional insurance companies which can save you money.
Listed below is a list of independent insurance agents in Arlington that may be able to give you comparison quotes.
- Low Rate Insurance Agency
1900 E Abram St – Arlington, TX 76010 – (817) 635-0375 – View Map - First Texas Insurance Services LC
700 Highlander Blvd #350 – Arlington, TX 76015 – (817) 275-2626 – View Map - Nationwide Insurance: Comparable Insurance Agency Inc
1700 E Pioneer Pkwy Ste 190 – Arlington, TX 76010 – (817) 460-8899 – View Map
Exclusive Auto Insurance Agents
These agents can usually just insure with one company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive insurance agents are trained well on their company’s products which helps offset the inability to provide other markets. Some people will only buy from exclusive agents partially due to the prominent brand name instead of buying on price only.
Listed below is a list of exclusive insurance agents in Arlington that can give you rate quotes.
- Bill Martensen – State Farm Insurance Agent
4412 Matlock Rd #100 – Arlington, TX 76018 – (817) 465-2122 – View Map - Allstate Insurance: Michael Puzzuole
2175 W Green Oaks Blvd – Arlington, TX 76013 – (817) 446-1522 – View Map - Allstate Insurance: Classic Family Agency
1001 NE Green Oaks Blvd Ste 171 – Arlington, TX 76006 – (817) 468-3066 – View Map
Deciding on an car insurance agent requires you to look at more than just a cheap price quote. Below are some questions you should ask.
- Will they give you a referral list?
- Do they review policy coverages at every renewal?
- How are they compensated?
- Do they have 24-hour customer assistance?
- Does the company have a local claim office in Arlington?
- What company do they have the most business with?
- Do they carry Errors and Omissions coverage?
How to find a good Texas car insurance company
Buying coverage from the top insurance provider is difficult considering how many different companies insure vehicles in Texas. The company rank data displayed below could help you select which car insurance companies you want to consider to insure your vehicles.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies