Lake Havasu City Car Insurance Buying Tips You Aren’t Supposed to Know

Finding lower premiums on Lake Havasu City car insurance can seem to be challenging for beginners to buying insurance online. You have so many options that it can quickly become a big hassle to compare prices in Lake Havasu City.

How to Compare Lake Havasu City Car Insurance Rates

There are several ways to compare rate quotes from local in Lake Havasu City, AZcar insurance companies. One of the best ways to find the cheapest insurance rates is to get quotes online. It is quite easy and can be accomplished in a couple of different ways.

The most efficient way to find low rates would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for multiple quote forms for every car insurance company. One form gets you coverage quotes from car insurance companies with the best prices. Just one form and you’re done.

A more difficult way to shop for car insurance online consists of visiting each individual company website and complete a new quote form. For example, we’ll assume you want to compare rates from Liberty Mutual, Esurance and Geico. To get each rate you have to go to every website to input your insurance information, which is why the first method is quicker.

To view a list of companies in Lake Havasu City, click here.

It doesn’t matter which method you choose, just make sure you use exactly the same deductibles and coverage limits for each price quote. If you use higher or lower deductibles it will be next to impossible to determine which rate is truly the best in Lake Havasu City. Just a small difference in coverage limits can result in a big premium difference. Keep in mind that getting more free quotes will increase your chances of finding a lower rate.

Buyer beware of car insurance advertising tricks

Car insurance companies such as Geico, State Farm and Progressive regularly use television and radio advertisements. They all seem to make the same claim of big savings if you move to them. How does each company claim to save you money? It’s all in the numbers.

Insurance companies have a certain “appetite” for the type of customer that makes them money. A good example of a profitable customer might be between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. A customer that hits that “sweet spot” gets the lowest rates and most likely will save when they switch companies.Auto insurance in Lake Havasu City AZ

Consumers who don’t measure up to the requirements will be charged higher prices which usually ends up with business not being written. The ads state “drivers who switch” not “everybody who quotes” save that much. That is how companies can claim big savings. That is why drivers must quote coverage with many companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest rates.

Don’t miss out on these money-saving discounts

Auto insurance companies don’t always publicize all their discounts in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find discounts you could be receiving.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • No Accidents – Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
  • Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out auto and life insurance together.

Drivers should understand that most discount credits are not given the the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

To choose insurers with the best car insurance discounts in Lake Havasu City, click here.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

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

  • Is my vehicle covered by my employer’s policy when using it for work?
  • What should my uninsured motorist coverage limits be in Arizona?
  • Should I have combined single limit or split liability limits?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when driving in Canada or Mexico?
  • Will my rates increase for filing one claim?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form.

Even more information is located at the Arizona Department of Insurance website. Arizona drivers can discover disciplinary actions, read consumer alerts, learn about insurance regulations, and read enforcement actions against agents and companies.

And the best car insurance company is…

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

People leave their current company for a number of reasons such as poor customer service, lack of trust in their agent, high rates after DUI convictions and unfair underwriting practices. It doesn’t matter what your reason, finding the right car insurance provider is not as difficult as it may seem.

Discount car insurance is definitely available both online and also from your neighborhood Lake Havasu City agents, so compare prices from both to have the best selection. Some car insurance companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.