Expert Tips to Cheaper Sedona, AZ Auto Insurance

Overwhelmed by the crazy number of auto insurance companies in Sedona? Many other drivers are as well. There are so many options that it can easily become more work than you anticipated to find lower rates.

You should make it a habit to get comparison quotes yearly because insurance rates change quite often. Just because you had the best price two years ago you can probably find a better price now. Don’t believe everything you read about auto insurance on the web, but I’m going to show you some excellent ideas to put money back in your pocket.

Sedona Auto Insurance Quote Comparison

The are a couple different ways to compare rate quotes and find the best price. The simplest method to find the cheapest insurance rates is to get quotes online. This can be accomplished in several different ways.

  1. The fastest way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing repetitive form submissions for every auto insurance company. One quote request will get you price quotes from many national carriers. It’s the fastest way to compare.
  2. A more difficult way to shop for auto insurance online is to take the time to go to each company website to complete a price quote. For sake of this example, we’ll assume you want to compare rates from Nationwide, 21st Century and GMAC. You would have to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in Sedona, click here.
  3. The least efficient way of getting rate comparisons is to spend your day driving to and from local insurance agencies. The internet can eliminate the need for a local agent unless you require the professional advice only provided by licensed agents. It is possible to price shop online but buy from a local insurance agent and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just ensure you’re using identical coverage information for every quote you compare. If your comparisons have differing limits it’s not possible to decipher which rate is best in Sedona. Slightly different coverage limits can mean a large discrepancy in price. And when price shopping your coverage, obtaining a wide range of quotes will increase your chances of finding better pricing.

Save money by taking advantage of these discounts

Insurance can cost an arm and a leg, but there could be available discounts to cut the cost considerably. Most are applied when you get a quote, but some may not be applied and must be specially asked for prior to getting the savings.

  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Early Signing – Some insurance companies reward drivers for switching to them before your current policy expires. This can save 10% or more.
  • Paperwork-free – Some insurance companies give back up to $50 just for signing your application online.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. The good student discount can last up to age 25.
  • Auto/Home Discount – When you have multiple policies with one company you will save up to 20% off your total premium.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will reduce your overall premium however.

For a list of insurance companies with the best auto insurance discounts in Sedona, follow this link.

It’s not one size fits all

When buying coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your situation might need professional guidance.

Sedona AZ insurance comparisons

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when driving on a suspended license?
  • Does my insurance cover a custom paint job?
  • How much underlying liability do I need for an umbrella policy?
  • What vehicles should carry emergency assistance coverage?
  • What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

To learn even more about auto insurance

Much more information about auto insurance in Arizona is located on the Arizona Department of Insurance website located here. Arizona drivers can get help finding coverage, file complaints about a company, read consumer alerts, and find out industry alerts.