It’s well known that auto insurance companies want to prevent you from shopping around. Insureds who get price quotes annually will most likely switch to a new company because of the good chance of finding a lower-priced company. A recent survey found that people who regularly compared rates saved $865 a year compared to people who never compared rates.
If finding budget-friendly rates on Toyota Venza insurance is your ultimate goal, then knowing the best ways to find and compare insurance coverage can make it easier for you to save money.
It takes a little time, but the best way to find the cheapest price for Toyota Venza insurance is to make a habit of comparing prices annually from insurance carriers who provide car insurance in Arlington.
- Take a few minutes and learn about how car insurance works and the things you can control to prevent expensive coverage. Many things that are responsible for high rates such as your driving record and an unacceptable credit history can be controlled by making minor driving habit or lifestyle changes.
- Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agencies can quote prices from multiple companies. Begin your rate comparison
- Compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you find a better price and change companies, make sure there is no coverage gap between policies.
An important bit of advice to remember is to make sure you enter the same deductibles and limits on every quote and and to get price quotes from as many different companies as possible. This provides the most accurate price comparison and a thorough price selection.
The companies shown below offer price quotes in Arlington, TX. If you want to find cheaper car insurance in Texas, we recommend you visit two to three different companies in order to get a fair rate comparison.
Toyota Venza insurance statistics and information
The rate table below covers a range of insurance prices for Toyota Venza models. Having a good understanding how auto insurance premiums are formulated can assist in making decisions when choosing a new policy provider.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Venza 2WD 4-Dr||$260||$496||$366||$22||$110||$1,254||$105|
|Venza AWD 4-Dr||$260||$496||$366||$22||$110||$1,254||$105|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in specific garaging location which can raise or lower price quotes considerably.
Gender-based auto insurance rates by age in Arlington
The chart below visualizes the comparison of Toyota Venza premium costs for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no additional discounts are factored in.
Three reasons insurance is important
Despite the potentially high cost of Toyota Venza insurance, insurance is most likely required but also gives you several important benefits.
First, just about all states have mandatory liability insurance requirements which means you are required to carry a specific level of liability protection if you want to drive legally. 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 your vehicle has a lienholder, most lenders will stipulate that you have comprehensive coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Toyota for a much higher rate and require you to pay the higher price.
Third, insurance safeguards not only your car but also your assets. It will also pay for hospital and medical expenses incurred in an accident. As part of your policy, liability insurance will also pay to defend you in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance outweigh the cost, especially for larger claims. According to a recent study, the average American driver overpays as much as $830 a year so it’s very important to do a rate comparison at least once a year to make sure the price is not too high.
Get affordable Toyota Venza insurance in Arlington with discounts
Car insurance is expensive, but you may qualify for discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but some discounts are required to be asked about before being credited. If you don’t get every credit possible, you are not getting the best rate possible.
- Government Employee Discount – Simply working for the federal government may reduce rates when you quote Arlington auto insurance depending on your car insurance provider.
- Arlington Homeowners Pay Less – Owning a house in Arlington can save a few bucks since owning and maintaining a home requires personal responsibility.
- Driver Training Discounts – Taking time to complete a class that teaches driver safety techniques could cut 5% off your bill and make you a better driver.
- Seat Belts Save – Drivers who require all occupants to buckle up may be able to save a few bucks off the PIP or medical payment premium.
- Low Miles Discount – Low mileage vehicles could be rewarded with substantially lower prices.
- Military Discounts – Being on active duty in the military could trigger a small discount.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will qualify for a discount on a Arlington auto insurance quote.
Keep in mind that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Just because you may think you can get free auto insurance, car insurance companies aren’t that generous.
The chart below shows the difference between Toyota Venza insurance prices with and without discounts being applied to the rates. The premiums assume a male driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-car, marriage, and multi-policy discounts applied.
To view insurers that offer some of these discounts in Texas, click here.
Local neighborhood agents and car insurance
Certain consumers still like to buy from a licensed agent and that can be a great decision Professional insurance agents can help you build your policy and help you file claims. A nice benefit of getting free rate quotes online is the fact that drivers can get cheap car insurance rates and still have an agent to talk to. And buying from neighborhood agents is important particularly in Arlington.
Upon completion of this form (opens in new window), your insurance data gets sent to insurance agents in Arlington who will give you bids for your business. You won’t even need to drive around since price quotes are sent to you directly. If for some reason you want to quote rates from one company in particular, feel free to navigate to their website and fill out their quote form.
The difference between Arlington car insurance agents
If you prefer to buy car insurance from a local insurance agency, you should know the different types of agents and how they are distinctly different. Agencies in Arlington may be either independent or exclusive. Both can insure your vehicles properly, but it’s important to point out the subtle differences because it can impact your selection of an agent.
Independent Agencies or Brokers
These type of agents do not write with just one company so they can quote policies with lots of companies and find the cheapest car insurance rates. To transfer your coverage to a different company, they can switch companies in-house and you stay with the same agent. If you are comparing car insurance prices, we recommend you get several quotes from multiple independent agents in order to compare the most rates. They often place coverage with mutual insurance companies that may provide cheaper car insurance rates.
Shown below is a partial list of independent insurance agents in Arlington who can help you get free car insurance quotes.
- Sun West Insurance Agency Inc
600 Six Flags Dr #102 – Arlington, TX 76011 – (817) 261-1101 – View Map
- Boswell and Visosky Insurance
1201 Road To Six Flags # 101 – Arlington, TX 76011 – (817) 261-9594 – View Map
- Trang Le Insurance Agency
2397 S Collins St – Arlington, TX 76014 – (817) 779-4849 – View Map
Agents that elect to be exclusive have only one company to place business with and some examples include American Family, State Farm, and Allstate. They generally cannot give you multiple price quotes so you need to shop around if the rates are high. These agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Some people will only buy insurance from these agents partially due to the prominence of the brand rather than having low rates.
Shown below are exclusive agents in Arlington willing to provide price quote information.
- TJ Villarreal – State Farm Insurance Agent
851 NE Green Oaks Blvd – Arlington, TX 76006 – (817) 461-0000 – View Map
- Farmers Insurance – Patricia Casanova
1416 S Watson Rd – Arlington, TX 76010 – (817) 461-1958 – View Map
- Mike Brewer – State Farm Insurance Agent
4801 Little Rd #119 – Arlington, TX 76017 – (817) 375-1000 – View Map
Finding the right insurance agency should include more criteria than just a cheap price. Any agent in Arlington should be willing to answer these questions.
- How many years have they been established?
- What is the agency’s Better Business Bureau rating?
- Is every driver in your family covered?
- If you have an accident, will your rates go up?
- Do they get extra compensation for selling add-on coverages?
- Does the company have a solid financial rating?
- Which company do they place the most coverage with?
If you get acceptable answers to all your questions and an affordable coverage quote, you may have just found a car insurance agent that meets the requirements to properly service your car insurance policy. But keep in mind once you purchase a policy you can cancel your coverage whenever you choose to so never feel you are locked into any specific agency for the full term.
What is the best car insurance company in Arlington?
Selecting the top insurance provider can be rather challenging considering how many different insurance companies sell coverage in Texas. The ranking information below may help you analyze which insurers you want to consider shopping prices with.
Top 10 Arlington Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Do I need special coverages?
Keep in mind that when it comes to choosing insurance from an agent or online, there really is not a cookie cutter policy. Your financial needs are unique.
These are some specific questions might help in determining if your situation could use an agent’s help.
- Why am I be forced to buy a membership to get insurance from some companies?
- Am I covered by my spouse’s policy after a separation?
- Can I make deliveries for my home business?
- How high should my medical payments coverage be?
- Are my friends covered when driving my car?
- Is my vehicle covered by my employer’s policy when using it for work?
- Do I really need UM/UIM coverage?
- Do they offer discounts for home and auto coverage?
- Can I drive in Mexico and have coverage?
- What does UM/UIM cover?
If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.
Auto insurance coverages and their meanings
Understanding the coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.
Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Toyota Venza.
Since many Texas drivers carry very low liability coverage limits (30/60/25 in Texas), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.
Liability coverages – This will cover damages or injuries you inflict on other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 30/60/25 that means you have a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability coverage protects against things such as repair bills for other people’s vehicles, funeral expenses and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible. Texas state minimum liability requirements are 30/60/25 but drivers should carry more coverage.
The illustration below shows why buying low liability limits may not be adequate.
Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for bills for X-ray expenses, chiropractic care, hospital visits and surgery. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision coverage – Collision insurance covers damage to your Venza caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as hitting a parking meter, scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible on your Venza to get cheaper collision coverage.
Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like damage from getting keyed, falling objects, rock chips in glass and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Shop around and save
Insureds switch companies for many reasons like high rates after DUI convictions, unfair underwriting practices, high prices and even not issuing a premium refund. Whatever your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.
Budget-friendly car insurance in Arlington can be purchased from both online companies and also from your neighborhood Arlington agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not have rate quotes online and many times these small, regional companies provide coverage only through independent agents.
We covered a lot of information how to find affordable Toyota Venza insurance in Arlington. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even discover the biggest savings come from some of the lesser-known companies.
For more information, feel free to browse these articles:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has Affordable Arlington Car Insurance Quotes for Unemployed Drivers? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Tools for Teen Driving Safety (State Farm)
- Drunk Driving Statistics (Insurance Information Institute)