The best way we recommend to find affordable quotes for car insurance rates in Fort Worth is to start comparing prices regularly from different companies who provide car insurance in Texas. Rates can be compared by following these steps.
First, spend a few minutes and learn about auto insurance and the modifications you can make to keep rates in check. Many things that increase rates like speeding and bad credit can be amended by paying attention to minor details.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Allstate, while independent agents can quote prices for many different companies.
Third, compare the new rates to your existing policy to determine if switching companies saves money. If you find a better price and make a switch, verify that coverage does not lapse between policies.
The most important part of shopping around is to try to use identical coverage information on every quote and and to look at every insurance company. This helps ensure an accurate price comparison and the best rate selection.
We don’t have to tell you that car insurance companies don’t want policyholders to shop around. Consumers who compare rates annually are likely to buy a new policy because there is a significant possibility of finding coverage at a more affordable price. Remarkably, a study showed that consumers who routinely compared quotes saved as much as $70 a month as compared to drivers who don’t make a habit of comparing rates.
If finding the best rates on car insurance is your objective, then learning a little about how to find companies and compare coverage rates can save time and money.
Getting quotes for more affordable auto insurance coverage in Fort Worth is not that difficult. If you already have coverage or just want to reduce your rates, you can follow these tips to get lower rates without sacrificing coverage. Smart buyers just need to learn the best way to quote multiple rates from many companies at once.
The quickest method we recommend to get rate comparisons for Toyota Matrix insurance in Fort Worth is to understand most larger insurance companies have advanced systems to give free rates quotes. The only thing you need to do is provide details like level of coverage desired, what your job is, your general credit rating, and whether you drive to work or school. Your insurance information gets transmitted to all major companies and they return cost estimate immediately.
To check rates for your car now, click here and enter the information requested.
The providers in the list below offer quotes in Fort Worth, TX. If more than one company is shown, we suggest you compare several of them in order to find the cheapest rates.
Cheap Fort Worth insurance quotes with discounts
Some insurance providers don’t always advertise all their discounts very clearly, so we took the time to find both well-publicized in addition to some of the lesser obvious insurance savings.
- Anti-lock Brakes – Cars equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
- Data Collection Discounts – People who choose to allow companies to track driving patterns by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they are good drivers.
- Multi-Vehicle Discounts – Buying coverage for more than one vehicle with the same insurance company can reduce rates for all insured vehicles.
- Multi-line Discount – Some insurance carriers give a discount if you purchase life insurance from them.
- Military Rewards – Being on active duty in the military could mean lower rates.
Keep in mind that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you aren’t that lucky.
The chart below shows the difference between Toyota Matrix premium costs with and without discounts applied to the rates. Data assumes a male driver, no accidents or driving violations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, safe-driver, marriage, and claim-free discounts applied.
To choose companies that provide some of the discounts listed above in Fort Worth, follow this link.
Toyota Matrix coverage analysis
The data table displayed below highlights a range of coverage costs for Toyota Matrix models. Having a good understanding how car insurance premiums are established can help drivers make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Matrix 2WD | $284 | $610 | $514 | $30 | $154 | $1,592 | $133 |
| Matrix S 2WD | $326 | $720 | $514 | $30 | $154 | $1,744 | $145 |
| Matrix S AWD | $326 | $720 | $514 | $30 | $154 | $1,744 | $145 |
| Matrix XRS 2WD | $326 | $720 | $514 | $30 | $154 | $1,744 | $145 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower insurance rates considerably.
Analysis of deductible levels
One frequently asked question is where to set your physical damage deductibles. The following tables can help show how much more rates are between high and low physical damage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Matrix 2WD | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Matrix S 2WD | $328 | $698 | $382 | $22 | $114 | $1,569 | $131 |
| Matrix S AWD | $328 | $698 | $382 | $22 | $114 | $1,569 | $131 |
| Matrix XRS 2WD | $328 | $698 | $382 | $22 | $114 | $1,569 | $131 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Matrix 2WD | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Matrix S 2WD | $240 | $472 | $382 | $22 | $114 | $1,230 | $103 |
| Matrix S AWD | $240 | $472 | $382 | $22 | $114 | $1,230 | $103 |
| Matrix XRS 2WD | $240 | $472 | $382 | $22 | $114 | $1,230 | $103 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in garaging location in Fort Worth which can raise or lower prices considerably.
We can estimate from the data above that using a $100 deductible costs an average of $27 more each month or $324 every year across all Toyota Matrix models than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 15 months between claims, you would more than likely save some money by selecting a higher deductible.
How Insurance Providers Determine Toyota Matrix Insurance Premiums
Many factors are used when you get your auto insurance bill. Some of the criteria are obvious like your driving record, although some other factors are less obvious like where you live or your financial responsibility.
The following are most of the major factors auto insurance companies consider when setting rates.
Get hitched and get cheaper premiums – Walking down the aisle may save some money when buying auto insurance. It usually means you are more mature than a single person and it’s proven that drivers who are married file infrequent claims.
Compare rates if you consolidate your policies – Many companies will give discounts to insureds that have more than one policy in the form of a multi-policy discount. Discounts can be five, ten or even twenty percent. Even with this discount, consumers should still compare other Fort Worth Matrix insurance rates to help ensure you have the lowest rates. It’s possible to still find lower rates by buying from different companies
Liability coverage limits are a factor – Your auto insurance policy’s liability coverage will provide protection if you are responsible for damages from an accident. Your policy’s liability insurance provides you with a defense in court which can be incredibly expensive. Liability insurance is pretty cheap compared to physical damage coverage, so do not skimp.
Be proud to be claim-free – If you’re an insured who likes to file claims you can look forward to much higher rates or policy non-renewal. Auto insurance companies in Texas give the lowest premiums to insureds who are claim-free. Insurance coverage is intended for larger claims.
Save mileage and save money – The higher the miles on your Toyota in a year’s time the higher your rate. A lot of companies apply a rate based upon how you use the vehicle. Autos not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance coverage reflects how each vehicle is driven, because improper ratings can cost you money. An improperly rated Matrix can cost quite a bit.
Gaps in coverage mean higher premiums – Not having insurance can get your license suspended and you may have a hard time finding new coverage because you let your insurance coverage expire. Not only will you pay higher rates, not being able to provide proof of insurance could result in a revoked license or a big fine.
Buying auto insurance from Fort Worth auto insurance agents
Some people would rather sit down and talk to an agent and that is recommended in a lot of cases Agents can make sure you are properly covered and give you someone to call. An additional benefit of comparing insurance prices online is the fact that drivers can get cheap auto insurance quotes but also keep your business local. Putting coverage with neighborhood insurance agencies is important especially in Fort Worth.
To make it easy to find an agent, after completing this simple form, your coverage information is instantly submitted to companies in Fort Worth that can provide free Fort Worth auto insurance quotes and help you find cheaper coverage. You never need to do any legwork since price quotes are sent to your email. If you need to get a comparison quote from a specific insurance company, you would need to jump over to their website to submit a rate quote request.
If you’re trying to find a good Fort Worth insurance agent, it’s important to understand the different types of agencies and how they function. Fort Worth agents can be classified as either exclusive or independent (non-exclusive). Both types can sell auto insurance policies, but it’s important to point out how they differ because it can influence the kind of agent you use.
Independent Auto Insurance Agents
Independent insurance agents often have many company appointments and that allows them to write policies with any number of different companies and find the cheapest rate. If they quote lower rates, they simply move the coverage in-house and you can keep the same agent. When comparing auto insurance rates, you will definitely want to get insurance quotes from at a minimum one independent agency to ensure the widest selection of prices. Most also have access to less well-known companies which could offer lower prices.
Below is a partial list of independent insurance agents in Fort Worth that can possibly get you price quote information.
- Lucien Wright Insurance Services
6000 Western Pl #100 – Fort Worth, TX 76107 – (817) 335-3400 – View Map - Rainbow Insurance Agency
2929 Cleburne Rd – Fort Worth, TX 76110 – (817) 922-8031 – View Map - Al Boenker Insurance Agency, Inc.
6030 Jacksboro Hwy – Fort Worth, TX 76135 – (817) 306-2300 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can only provide one company’s prices such as Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to provide rate quotes from other companies so they really need to provide good service. They are usually well trained on their company’s products which can be an advantage. A lot of people choose to use an exclusive agent partially due to the prominent brand name rather than having low rates.
Shown below are exclusive insurance agencies in Fort Worth willing to provide price quote information.
- Marty Melton – State Farm Insurance Agent
5250 McCart Ave – Fort Worth, TX 76115 – (817) 924-2424 – View Map - Raudel Flores – State Farm Insurance Agent
4200 South Fwy #102 – Fort Worth, TX 76115 – (817) 926-9537 – View Map - Marianne Leal – State Farm Insurance Agent
1205 N Main St – Fort Worth, TX 76164 – (817) 740-1508 – View Map
Finding the right insurance agent should include more criteria than just the quoted price. Before buying a policy in Fort Worth, get answers to these questions.
- What company holds the largest book of business for them?
- If you are a high risk driver, do they have special markets for your coverage?
- Do the coverages you’re quoting properly cover your vehicle?
- What is the agency’s Better Business Bureau rating?
- Do the agents have professional certifications like CPCU or CIC?
Persistence will pay off
Cheaper auto insurance in Fort Worth can be sourced from both online companies and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get a quote online and usually these smaller companies sell through local independent agents.
When you buy Fort Worth auto insurance online, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where drivers have reduced collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at the best possible price and still be able to protect your assets.
We’ve covered a lot of ways to find lower-cost Toyota Matrix insurance in Fort Worth. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding cheaper Fort Worth auto insurance quotes. Consumers could even find that the biggest savings come from a small local company.
Additional articles
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance Rates for Drivers Over Age 50 in Fort Worth? (FAQ)
- Who Has Affordable Auto Insurance for College Students in Fort Worth? (FAQ)
- Your Car has been Stolen: Now What? (Allstate)
- Auto Insurance for Teen Drivers (Insurance Information Institute)