Tired of paying out the nose to buy car insurance? Your situation is no different than the majority of other car owners in Arizona. Companies like State Farm, Progressive and Geico all claim big savings with ads and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.
Take advantage of discounts
Companies offering auto insurance do not list every available discount very well, so the following is a list of some of the best known and the harder-to-find discounts you could be receiving. If you don’t get every credit you deserve, you are throwing money away.
- Life Insurance – Some companies give a discount if you purchase life insurance from them.
- Senior Citizens – If you’re over the age of 55, you may qualify for a discount up to 10%.
- No Charge for an Accident – A few companies permit an accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
- Accident Free – Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.
- Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
- Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiring. The savings is around 10%.
- Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less than less cautious drivers.
- Clubs and Organizations – Being a member of a professional or civic organization could qualify you for a break when buying car insurance.
- Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
Consumers should know that most discounts do not apply to the entire cost. Most only reduce individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.
For a list of providers who offer car insurance discounts in Queen Creek, click this link.
Shop online but buy locally
Some people would prefer to buy from a local agent and that is a personal choice. Licensed agents can point out coverage gaps and give you peace of mind. One of the best bonuses of price shopping on the web is you may find lower rates and still have an agent to talk to.
After filling out this simple form, your insurance data is sent to insurance agents in Queen Creek who will give you bids for your business. You don’t have to visit any agencies due to the fact that quote results will go directly to your email. How cool is that?!
Picking an insurer shouldn’t rely on just a low price. Any agent should be forthright in answering these questions:
- How long have they worked with personal auto insurance coverage?
- How long has their agency been open in Queen Creek?
- Do they receive special compensation for putting your coverage with one company over another?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Does the company allow you to choose your own collision repair facility?
- How are claims handled?
Shown below is a list of car insurance companies in Queen Creek who can help you get rate quotes.
Fireman’s Fund Insurance – 1059 E Taylor Trl, Queen Creek, AZ 85243 – (480) 987-9973
State Farm Insurance – 270 E Hunt Hwy # 11, Queen Creek, AZ 85243 – (480) 882-2155
Dean Sandison Insurance – 18521 E Queen Creek Rd, Queen Creek, AZ 85242 – (480) 345-7011
Allstate Insurance Co – 530 E Hunt Hwy # 119, Queen Creek, AZ 85243 – (480) 882-3737
Healy Agency – 22243 S Ellsworth Rd, Queen Creek, AZ 85242 – (480) 882-1181
Once you have positive feedback to any questions you have and a good coverage price, most likely you have located a company that will insure your vehicles.
Drivers who switch save $431 a year? Really?
Arizona drivers get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, Geico, Allstate and State Farm. They all have a common claim that you can save after switching your coverage to them.
How do they all say the same thing?
Insurance companies can use profiling for the right customer that is profitable for them. A good example of a preferred risk could possibly be between 30 and 50, has no tickets, and has great credit. A propective insured that hits that “sweet spot” receives the best rates and therefore will cut their rates substantially.
Potential customers who don’t measure up to the requirements will be quoted a higher premium and this can result in business going elsewhere. The ads say “customers that switch” not “people who quote” save that much. This is how insurance companies can confidently state the savings. This emphasizes why it is so important to quote coverage with many companies. It is impossible to predict which insurance companies will give you the biggest savings.
More sites with car insurance information
More tips and info about car insurance is located at the Arizona Department of Insurance website. Consumers can find a variety of consumer forms, read consumer alerts, and learn about insurance regulations.
Auto insurance coverage information
Understanding the coverages of car insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages available from car insurance companies.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as nursing services, doctor visits, hospital visits and prosthetic devices. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability coverages
Liability coverage will cover damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.
Liability coverage protects against things like medical services, attorney fees, emergency aid, court costs and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford. Arizona state law requires minimum liability limits of 15,000/30,000/10,000 but it’s recommended drivers buy more liability than the minimum.
Auto collision coverage
Collision coverage covers damage to your vehicle from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like colliding with another moving vehicle, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.
Comprehensive coverage
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist coverage
This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since many Arizona drivers have only the minimum liability required by law (15/30/10 in Arizona), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Cheaper insurance is a realistic goal
Throughout this article, we presented many ideas to get a better price on car insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from a smaller regional carrier. These companies can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.
As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed collision coverage only to regret at claim time they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.
The cheapest car insurance is available on the web and with local Queen Creek insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.