Drivers fed up with high insurance rates and are new to price shopping insurance coverage online may find locating is harder than it needs to be.
Low cost auto insurance prices in Arizona
Effectively comparing auto insurance prices can be exhausting if you don’t know the best way to get rate quotes. You could spend the better part of a day talking to insurance agencies in your area, or you could use the web to get rate comparisons in just a few minutes.
Many popular insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and every company can provide price quotes. This prevents consumers from doing repetitive form submissions for every auto insurance company.
To participate in this free quote system, click to open in new window.
The one downside to pricing coverage this way is you can’t choose which providers you want pricing from. So if you prefer to pick specific providers to request quotes from, we put together a list of auto insurance companies in Arizona. Click here for list of insurance companies in Arizona.
The approach you take is up to you, just make sure you are using identical coverages and limits for each price quote. If you enter different limits and deductibles on each one it will be very difficult to make an equal comparison.
Lower rates by qualifying for discounts
Some insurance providers do not advertise every available discount very well, so we researched some of the more common in addition to some of the lesser obvious credits that may apply to you.
- Military Deployment Discount – Being deployed with a military unit could qualify you for better premium rates.
- Claim-Free Discount – Drivers who stay claim-free pay less as compared to accident-prone drivers.
- Discounts for Cautious Drivers – Insureds without accidents can pay as much as 50% less than less cautious drivers.
- Bundle and Save – When you have multiple policies and insure them with the same company you will save as much as 10 to 15 percent.
- Telematics Discount – Drivers who agree to allow companies to spy on driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they show good driving skills.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, companies wouldn’t make money that way.
Large auto insurance companies and the discounts they provide are shown below.
- State Farm may have discounts that include student away at school, Steer Clear safe driver discount, accident-free, anti-theft, and passive restraint.
- Farmers Insurance has discounts for multi-car, switch companies, youthful driver, pay in full, and homeowner.
- Geico may include discounts for five-year accident-free, emergency military deployment, anti-lock brakes, daytime running lights, and seat belt use.
- American Family policyholders can earn discounts including bundled insurance, multi-vehicle, air bags, good student, defensive driver, and mySafetyValet.
- Nationwide offers premium reductions for accident-free, business or organization, family plan, defensive driving, easy pay, and Farm Bureau membership.
- Progressive includes discounts for multi-policy, good student, homeowner, multi-vehicle, continuous coverage, and online signing.
If you want , ask every prospective company how you can save money. Some of the earlier mentioned discounts may not apply in every state.
Informed drivers can cut their costs
Lots of factors are taken into consideration when you get your auto insurance bill. Some factors are common sense such as your driving record, but other criteria are more transparent such as your marital status or how financially stable you are. When buying auto insurance it’s important to understand a few of the rating criteria that come into play when calculating your auto insurance rates. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you lower rates.
- Job stress can affect rates – Careers such as doctorsairline pilots and financial analysts usually pay higher premium rates attributed to intense work requirements and lengthy work days. Conversely, occupations like farmers, engineers and the unemployed receive lower rates.
- Married drivers get better prices – Having a spouse actually saves money on auto insurance. Marriage may mean you are less irresponsible and statistics show married drivers tend to file fewer claims.
- Bundle policies with the same company – Many insurers provide lower prices to insureds who buy several policies from them in the form of a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even if you qualify for this discount already, you may still want to compare other company rates to help guarantee you have the best rates. It’s possible to still save even more than the discount by buying insurance from more than one company.
- Bad credit will cost you – Having a good credit rating is a large factor in calculating your premium rate. Drivers who have very high credit ratings tend to be more responsible and file fewer claims than drivers with lower ratings. If your credit can be improved, you could save money insuring your vehicle by improving your rating.
- The type of car makes a difference – The performance of the vehicle you are buying insurance for makes a huge difference in your car insurance bill. The most favorable rates are usually found on lower cost passenger models, but other factors influence the final cost greatly.
- Pay more of a claim out-of-pocket – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. A few examples of covered claims would be running into the backend of another car, collision with an animal, and having your car stolen. The deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. The more of the claim you pay before a claim is paid (deductible), the less your company will charge you for insurance.
- Better premiums with anti-theft devices – Choosing to buy a car with advanced anti-theft systems can earn a premium discount. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart vehicle theft.
Additional detailed information is located at the Arizona Department of Insurance website. Arizona drivers can read industry bulletins, find out industry alerts, download brochures, and learn about insurance regulations.
Other related articles:
- Things You Must Know Before Finding Goodyear Arizona Auto Insurance Online
- Tightwads Guide for Saving on Sierra Vista Arizona Auto Insurance
Persistent drivers can save
People change insurance companies for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, policy cancellation or even lack of trust in their agent. It doesn’t matter what your reason, switching companies is not as hard as you think.
You just read a lot of information how to compare auto insurance premium rates online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your prices. You may be surprised to find that the best price on auto insurance is with a small mutual company.
As you , you should never reduce coverage to reduce premium. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at the best price and still be able to protect your assets.