Auto Insurance

Auto insurance premiums are based on a number of factors and vary from insurance company to insurance company. Below is a list of some of the factors which effect the price of your insurance in Fort Worth and North Texas. Northside Insurance Agency is an independent insurance agent representing multiple companies. We are able to shop among our insurance companies to find you the best rate according to your individual situation. Call us at (817) 626-3100 for a quote. We also write insurance in Fort Worth and North Texas for Home, Business, Motorcycle, RV and Boats.

Factors that Affect Your Premium

Insurance Companies may use a number of factors to set your premium, including:

• Your age and, for younger drivers, your marital status. Men under 25 and unmarried women under 21 have the highest rates. Drivers over 50 may get discounts.
• Your driving record and claims history. A good driving record can save you money. Insurance companies will charge you more if you have accidents or tickets on your driving record. Companies may also charge more for major convictions, some driving violations, and accidents that caused property damage. Some surcharges are mandatory and will apply to your premium for three years.
• Where you keep your car. People who live in cities are more likely to be in accidents or to have their cars stolen. Therefore, their rates are usually higher than those for people who live in rural areas.
• Your car’s type. Collision and comprehensive rates are highest for luxury, high-performance, and sports cars. Rates may also be higher for cars that damage easily or cost more to repair.
• Your car’s primary use. Your rates will be higher if you drive your car to and from work or for business. Rates are lowest for people who drive only for pleasure.
• Your credit score. Companies often use your credit score to decide if they want to sell you a policy and at what cost. A company can’t refuse to sell you a policy or cancel or nonrenew your policy based only on your credit. Visit the Learning Center on HelpInsure.com, a website maintained by TDI and the Office of Public Insurance Counsel, to find out which companies use credit scores and how they use them.
• Whether you drove uninsured in Texas. Companies may charge more if you drove uninsured in Texas for more than 30 days in the 12 months before you applied for insurance. If you didn’t, a company can’t charge you more for liability coverage because of your prior lack of coverage.
• Discounts. Many insurance companies have discounts available. For more information on car insurance discounts, see our article, Discounts on Car Insurance – Texas

If you watch TV or listen to the radio, chances are you’ve seen ads for Progressive Insurance and their spokesperson, Flo. Progressive is one of the largest insurance company groups in America. Progressive is a leader in the sales of personal car insurance, commercial truck insurance, motorcycle insurance, RV insurance and boat insurance. Northside Insurance Agency is a Progressive Authorized Agent in Fort Worth, TX. If you would like a quote for Progressive Insurance or would like additional information about Progressive, please call us at (817) 626-3100.

Progressive began in 1937, and over the years, has worked hard to build a superior proposition for auto insurance consumers through competitive pricing and by continuously improving their products and services. Today, Progressive offers competitive rates and 24-hour, in-person and online services to all drivers throughout the United States.

Currently, Progressive is one of the largest auto insurance groups in the United States, thanks to innovations including comparison rates and 24/7 customer and claims service. Progressive’s growth continues at a steady pace, too: Between 1996 and 2005, Progressive grew an average of 17 percent per year, from $3.4 billion to $14 billion.

Progressive has superior online and in person customer service and 24/7 claims service.

When shopping for auto insurance, knowing what discounts are available can put money in your pocket. As high as auto insurance premiums have risen, even a 3% to 5% discount can mean real savings. Below is a brief discussion on some of the discounts available. Ask your agent about these discounts when you get a quote to make sure you get all the discounts you qualify for.

Northside Insurance Agency in Fort Worth Texas represents insurance companies which offer many or all of the discounts listed.

Prior Insurance Discount

If you’ve been continuously insured for 6 months or more, most insurance companies will offer big savings over their rates for people with no prior coverage. Additionally, if you’ve been with your current carrier for more than a year, many insurance companies will further discount their rates in order to attract your business. When getting a quote, be sure to tell the agent how long you have had insurance, and how long you have been with your current insurance company.

Home Ownership Discount

Are you buying your home? Most auto insurance carriers will give you a discount even if you don’t insure your home with them. Make sure you tell your agent if you are a home owner.

Multi Car Discount

Do you own more than one vehicle? It pays to put all your vehicles on one policy. Most auto insurance carriers give a discount when you insure more than one vehicle with them.

Paid In Full Discount

Can you pay 6 months in full? Many insurance companies will give you a discount for paying in full instead of on monthly installments.

Electronic Funds Transfer Discount

If you prefer monthly payments, you may still be able to realize substantial savings if you have a checking account and have the insurance company draft your monthly installments directly each month. Ask your agent if they have a discount for Electronic Funds Transfer (EFT).

Advanced Quoting Discount

It pays to shop in advance for your auto insurance. Some insurance companies will give you a discount if you get your quote at least 8 days before your current policy expires. Make sure you tell your agent when your current policy expires when you call for a quote to see if this discount is available.

Paperless Discount

Can you receive correspondence by email or access through the internet? Some insurance companies will discount your auto insurance policy.

Increased Limits Discount

When calling for quotes, make sure you tell the agent if you carry liability limits higher than the Texas state minimum limits (30/60/25). Many insurance companies offer a discount when you have carried higher liability limits.

Educational Level Discount

Progressive Insurance offers various discount levels for having gone to college. Tell your agent about your educational level. Even if you don’t have a degree, you can still get a discount for having taken college courses. Northside Insurance Agency in Fort Worth, Texas is a Progressive Authorized Independent Agent.

SNAPSHOT

Snapshot is a Pay As You Drive program, a type of usage-based insurance. That means that we look at how you drive and reward you with a discount if you’re a safe driver. SNAPSHOT is offered by Progressive Insurance.

Here’s how it works: Progressive will send you the Snapshot device in the mail. Plug the device into your car and drive to share information about how you drive, how much you drive, and when you drive with Progressive. Safe drivers could be rewarded with a discount up to 30 percent. There is no risk of your rate increasing from Snapshot.

For more information on Snapshot by Progressive click – Frequently Asked Questions About Snapshot.

If you would like a quote or to see if Snapshot might save you money, call Northside Insurance Agency at (817) 626-3100. Northside Insurance Agency is a Progressive Authorized Independent Agent. serving Fort Worth and North Texas.

* These discounts apply to Texas personal auto policies only. Not all insurance companies offer all the discounts. This is merely a brief summary of some discounts which may be available.