Comparison shopping for Queen Creek car insurance can be difficult for people who are new to shopping for insurance online. There are so many companies to choose from that it can quickly become a big hassle to find lower rates in Queen Creek.
It is always a good idea to check car insurance prices on a regular basis since rates are usually higher with each renewal. Even if you got the best rates a few years ago you may be paying too much now. So just forget anything you know (or think you know) about car insurance because you’re going to learn the best methods to lower your annual insurance bill.
This article will let you in on how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you will be able to save some money using these techniques. Arizona drivers just need to learn the most efficient way to get comparison quotes online.
Compare the Market for Car Insurance in Queen Creek, AZ
All the larger car insurance companies such as State Farm, GEICO and Progressive allow you to get coverage prices on the web. The process is fairly simple as you simply enter as requested by the quote form. After the form is submitted, their rating system automatically retrieves reports for credit and driving violations and returns a price quote.
This streamlines rate comparisons, but the time it takes to visit different websites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to get many rate quotes if you want to find the lowest possible prices on car insurance.
The quickest way to get multiple rate quotes uses one form that analyzes rates from several different companies. It saves time, eliminates repetitive work, and makes quoting online much easier to do. As soon as the form is sent, it is rated and you can select any one of the pricing results.
If a lower price is quoted, you can click and sign and purchase the new policy. This process takes 15 minutes at the most and may save quite a bit of money.
To fill out one form to compare multiple rates now, click here to open in new window and fill out the form. If you currently have coverage, we recommend you replicate the limits and deductibles as shown on your current policy. This guarantees you will get a price comparison for exact coverage.
Don’t pay full price with these ten discounts
Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be specially asked for before you will receive the discount. If you don’t get every credit possible, you are throwing money away.
- Federal Employees – Being employed by or retired from a federal job can save as much as 8% depending on your company.
- Homeowners Discount – Owning a house in Queen Creek may earn you a small savings because owning a home shows financial diligence.
- No Accidents – Drivers with accident-free driving histories can earn big discounts when compared to bad drivers.
- New Car Discount – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
- Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
- Clubs and Organizations – Belonging to a qualifying organization is a good way to get lower rates when shopping for car insurance.
- Military Discounts – Being on active duty in the military may qualify for rate reductions.
- Safe Drivers – Drivers who don’t get into accidents may save up to 50% more than less cautious drivers.
- Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
- Air Bag Discount – Factory air bags or motorized seat belts can receive discounts up to 30%.
A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will reduce your overall premium however.
To see a list of providers with discount car insurance rates in Queen Creek, follow this link.
Educate yourself about car insurance coverages
Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring.
Comprehensive coverage – This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like theft, vandalism and hail damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability – Liability coverage can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims such as medical services, court costs and pain and suffering. How much coverage you buy is up to you, but you should buy as large an amount as possible. Arizona requires drivers to carry at least 15,000/30,000/10,000 but you should think about purchasing more liability than the minimum.
Collision coverages – Collision coverage will pay to fix damage to your vehicle caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims like damaging your car on a curb, sideswiping another vehicle, hitting a parking meter, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like rehabilitation expenses, doctor visits and dental work. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible
Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your vehicle.
Since a lot of drivers carry very low liability coverage limits (Arizona limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.
Much more information about car insurance in Arizona can be read on the Arizona Department of Insurance website located here. Arizona consumers can find a variety of consumer forms, report car insurance fraud, read industry bulletins, and read state legal mandates and laws.