Do you get exhausted from scraping the payment together to pay high car insurance rates every month? You have the same problem as most other consumers in Arizona. Since you have so many options, it can be challenging to pick a more affordable company.
It’s a great practice to do rate comparisons once or twice a year because car insurance rates tend to go up over time. Just because you had the best deal a few years ago there may be better deals available now. Ignore everything you know about car insurance because you’re about to find out how to quote online to find great coverage at a great price.
Comparing car insurance rates can take time and effort if you don’t utilize the easiest way. You can spend your afternoon talking to local insurance agents in Eagar, or you can utilize online quoting to achieve your goal.
Most of the larger companies participate in a marketplace where insurance shoppers submit one quote, and every company then returns a price quote based on that information. This prevents consumers from doing quote forms to each individual car insurance company.
To find out what other companies charge click here to start a free quote.
The only downside to using this type of system is you cannot specify the companies you want pricing from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of companies who write car insurance in Arizona. Click here for list of insurance companies in Arizona.
Compare rates however you want, just make absolute certain that you use apples-to-apples information on every price quote you get. If the quotes have different liability limits it will be impossible to find the best deal in Eagar. Even a minor difference in insurance coverages may cause a big price difference. It’s important to know that more quotes will enable you to find lower pricing.
Don’t miss with these seven discounts
Some insurers don’t always list every discount very well, so the list below contains some of the best known in addition to some of the lesser obvious credits available to bring down your rates.
- Senior Discount – Drivers that qualify as senior citizens are able to get a slight reduction on a .
- Claim Free – Drivers with accident-free driving histories get the best car insurance rates compared to drivers who are more careless.
- Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
- Telematics Data – Drivers who elect to allow driving data submission to monitor driving manner by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.
- Discounts for Good Drivers – Insureds without accidents may save up to 50% more compared to rates paid by drivers with frequent claims.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course as it can save substantially.
- Multi-Vehicle Discounts – Purchasing coverage when you have all your vehicles with the same car insurance company can get a discount for every vehicle.
As is typical with insurance, most discounts do not apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.
To choose insurers with the best discounts in Eagar, click here to view.
Local neighborhood agents and car insurance
Some people would rather go talk to an agent and that is OK! The best thing about comparing rate quotes online is that drivers can save money and get the best rates and still have an agent to talk to. And providing support for local insurance agents is especially important in Eagar.
After completing this form (opens in new window), your insurance coverage information is sent to participating agents in Eagar that can provide and help you find cheaper coverage. It makes it easy because there is no need to contact any agents since rate quotes are delivered to you. You can find better rates without a big time investment. If you have a need to compare prices from one company in particular, just search and find their rate quote page and submit a quote form there.
When narrowing the list to find an insurance agent, you need to know there are two types of insurance agents and how they are distinctly different. Car insurance policy providers are classified as either independent (non-captive) or captive.
Independent Car Insurance Agencies or Brokers
These type of agents do not write with just one company so they can quote policies with many different companies enabling the ability to shop coverage around. If prices rise, an independent agent can move your coverage and you can keep the same agent. If you are comparing car insurance prices, it’s a good idea to get some free quotes from independent agents to ensure the widest selection of prices.
Captive Insurance Agents
Captive agencies can only provide one company’s prices and some examples include Farmers Insurance, State Farm, or Allstate. These agents are unable to provide rate quotes from other companies so you might not find the best rates. They are trained well on what they offer which aids in selling service over price.
Listed below is a short list of captive agencies in Eagar who can help you get price quotes.
State Farm Insurance – 74 N Main St # 1 – Eagar, AZ 85925 – (928) 333-2832
For agents in your area, link to this complete selection of car insurance providers in Eagar.
Deciding on an auto insurance agent is decision based upon more than just a low price. These are some valid questions you should ask.
- Is assistance available after office hours?
- What insurance company do they write the most business with?
- Can you contact them at any time?
- How long have they been in business?
- Which members of your family are coverage by the policy?
- Does the company use OEM repair parts?
- Will your rates increase after a single accident?
Additional information is located on the found here. Consumers can view a list of available companies, view agent and company licensing information, download brochures, and read industry bulletins.
Understanding the coverages of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most car insurance policies.
Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your vehicle.
Since many Arizona drivers only purchase the least amount of liability that is required (15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Collision coverages – Collision coverage will pay to fix damage to your vehicle resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like colliding with a tree, sustaining damage from a pot hole, rolling your car, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for pain medications, hospital visits and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay
Comprehensive coverage (or Other than Collision) – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as damage from getting keyed, hitting a bird, vandalism, damage from flooding and fire damage. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Auto liability insurance – This provides protection from damages or injuries you inflict on other’s property or people in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for things like repair costs for stationary objects, legal defense fees, attorney fees, pain and suffering and bail bonds. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible. Arizona requires minimum liability limits of 15,000/30,000/10,000 but you should consider buying more liability than the minimum.
Quote more, save more
You just read many ways to compare car insurance premium rates online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding . You may even discover the best premium rates are with a company that doesn’t do a lot of advertising. Smaller companies often have lower prices on specific markets than their larger competitors like Progressive or GEICO.
Cost effective car insurance is available on the web and from local insurance agents, so get from both of them in order to have the best price selection to choose from. Some insurance companies may not have the ability to get a quote online and usually these smaller providers work with independent agents.
When searching for , make sure you don’t sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible for the lowest cost, not the least amount of coverage.