If shopping for is new to you, it’s easy to be overwhelmed due to the large selection of online auto insurance companies and websites offering insurance in Holbrook.
If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. The purpose of this post is to tell you how to effectively get price quotes. Nevertheless, Arizona consumers do need to learn how the larger insurance companies price insurance differently.
Learn how to lower your auto insurance prices
Many different elements are part of the calculation when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but other factors are more obscure like your continuous coverage or your vehicle rating.
- Your credit rating is important – Having a good credit rating will be a significant factor in determining what you pay. If your credit score leaves room for improvement, you could pay less to insure your vehicle if you improve your credit rating. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with bad credit.
- Be proud to be claim-free – Insurance companies in Arizona generally give the best rates to insureds who are claim-free. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is designed for claims that you cannot pay yourself.
- Younger drivers pay more – Drivers with little experience have been known to get distracted easily when driving with friends so auto insurance rates are higher. Adding a youthful driver onto your auto insurance will cause a huge premium hike. Older, more experienced drivers are more responsible, tend to cause fewer accidents , and are generally more financially stable.
- Safeguard your assets with liability protection – A critical coverage on your policy, liability insurance kicks in if you are determined to be liable for an accident. Liability insurance provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so buy as much as you can afford.
- The type of vehicle you drive affects your premiums – The make and model of the car, truck or SUV you are trying to find cheaper insurance for makes a huge difference in your car insurance bill. The most favorable rates are for low performance passenger cars, but there are many factors that impact the final cost.
- Do you really need the extra coverages? – There are a lot of extra add-on coverages that may not really be needed on your auto insurance policy. Coverages like personal injury protection, death and dismemberment, and extra equipment coverage may be wasting your money. They may sound like good ideas at first, but now you might not need them so eliminate the coverages to reduce your premium.
- Employer and insurance rates – Occupational choices like lawyerspolice officers and miners tend to pay higher premium rates attributed to intense work requirements and lots of time spent away from family. Conversely, jobs such as professors, historians and the unemployed get better rates.
- Save by driving safer vehicles – Vehicles that have high safety ratings cost less to insure. The safest vehicles reduce the chance of injuries and fewer serious injuries means less claims paid passed on to you as lower rates.
Cheap Holbrook auto insurance rates with discounts
Auto insurance is not inexpensive, but there’s a good chance there are discounts that can dramatically reduce your bill. Some discounts will apply when you purchase, but once in a while a discount must be asked for prior to getting the savings.
- Accident Waiver – Not necessarily a discount, but certain companies will forgive one accident without the usual rate increase if you have no claims before the accident.
- Accident-Free Discounts – Insureds with no claims or accidents get the best auto insurance rates when compared with accident-prone drivers.
- Professional Memberships – Being in qualifying clubs or civic groups could trigger savings when getting a .
- New Car Discount – Buying insurance on a new vehicle can cost up to 25% less because newer models are generally safer.
- Anti-theft Discount – Cars optioned with advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
One thing to note about discounts is that most credits do not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will positively reduce the cost of your policy.
Large auto insurance companies and their offered discounts include:
- Geico offers discounts including membership and employees, driver training, defensive driver, multi-policy, emergency military deployment, federal employee, and anti-lock brakes.
- Travelers may offer discounts for good student, new car, hybrid/electric vehicle, driver training, save driver, student away at school, and multi-policy.
- Nationwide may have discounts that include anti-theft, family plan, multi-policy, defensive driving, and business or organization.
- Farmers Insurance discounts include mature driver, distant student, teen driver, switch companies, electronic funds transfer, youthful driver, and early shopping.
- Esurance has discounts for online shopper, Pac-12 alumni, multi-car, anti-theft, and good student.
- State Farm policyholders can earn discounts including good student, multiple autos, anti-theft, Drive Safe & Save, defensive driving training, and student away at school.
- Progressive offers discounts for good student, online signing, online quote discount, continuous coverage, multi-policy, homeowner, and multi-vehicle.
- Mercury Insurance offers premium reductions for low natural disaster claims, good student, professional/association, accident-free, age of vehicle, location of vehicle, and ease of repair.
Before you buy a policy, ask every insurance company which discounts they offer. Some of the discounts discussed earlier may not be offered everywhere. To locate insurance companies that provide some of the discounts listed above in Arizona, click here.
Independent versus captive car insurance agents
Many drivers would rather sit down and talk to an agent and that can be a great decision An additional benefit of comparing insurance prices online is the fact that drivers can get lower rates and still buy from a local agent.
To find an agent, once you fill out this quick form, your insurance coverage information gets sent to agents in your area that provide to get your business. There is no reason to drive around because quoted prices will be sent to you. You can get cheaper auto insurance rates without having to waste a lot of time. If for some reason you want to get a price quote from a particular provider, feel free to jump over to their website and fill out their quote form.
Selecting a insurance company should include more criteria than just the price. A good agent will have answers to these questions.<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-42.jpg" alt="Holbrook car insurance prices“/>
- Do they make recommendations based only on price?
- Does the agent have a valid license to sell insurance in Arizona?
- If independent agents, which companies do they recommend?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How experiences are they in personal risk management?
- Are there any discounts that you might be missing?
- Will you get a loaner vehicle if you car is being repaired?
When looking for a local Holbrook insurance agent, it can be helpful to understand the different types of agents and how they differ in how they can insure your vehicles. Auto insurance agencies can be described as either captive or independent.
Captive Insurance Agents
These agents can only place business with one company and some examples include AAA, Allstate, and State Farm. Captive agents are unable to provide other company’s prices so always compare other rates. Captive insurance agents are trained well on what they offer which helps overcome the inability to quote other rates. Consumers sometimes buy from the same agent for years primarily because of the brand and the convenience of having all coverages with one company.
Below are captive agents in Holbrook who can help you get rate quotes.
- Allstate Insurance Co – 538 W Hopi Dr – Holbrook, AZ 86025 – (928) 524-6795
Independent Agencies or Brokers
These type of agents do not have single company limitations so they have the ability to put coverage through lots of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can just switch to a different company which is easy for the insured.
If you need cheaper auto insurance rates, you definitely need to include price quotes from several independent agencies to maximize your price options. Most also have access to smaller regional carriers that may provide cheaper auto insurance rates.
Shown below is a list of independent insurance agents in Holbrook that are able to give price quotes.
- Golightly Insurance – 501 Navajo Blvd – Holbrook, AZ 86025 – (928) 524-3760
- Shumway Insurance Inc – 538 W Hopi Dr – Holbrook, AZ 86025 – (928) 524-6296
To view additional licensed insurance agents in Holbrook, please visit this complete selection of Holbrook auto insurance providers.
Everyone needs different auto insurance coverages
When choosing coverage, there really is no one size fits all plan. Every insured’s situation is different.
Here are some questions about coverages that might point out if your insurance needs might need professional guidance.
- What is high-risk coverage and where do I buy it?
- Am I getting all the discounts available?
- Does coverage extend to a rental car in a foreign country?
- Should I drop comprehensive coverage on older vehicles?
- Can I afford low physical damage deductibles?
- Does my personal auto insurance policy cover using my vehicle for business use?
- How much liability do I need to cover my assets?
- Does my liability insurance cover pulling a trailer or camper?
- Why does it cost so much to insure a teen driver in Holbrook?
- What is the difference between comprehensive and collision coverage?
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.
Arizona auto insurance information
Even more information can be found at the Arizona Department of Insurance website. Arizona drivers can find a variety of consumer forms, file complaints about a company, get help finding coverage, and view agent and company licensing information.
Other informative sites include NAIC.org’s Understanding your Policy and this list of insurance agents in Holbrook.
In conclusion
We just presented a lot of techniques to lower your auto insurance premium rates. The key concept to understand is the more times you quote, the higher your chance of finding . Drivers may discover the biggest savings come from an unexpected company.
When getting , don’t be tempted to skimp on coverage in order to save money. Too many times, an insured cut liability limits or collision coverage only to regret at claim time that they should have had better coverage. The goal is to purchase plenty of coverage at the best possible price while still protecting your assets.
Drivers leave their current company for many reasons like extreme rates for teen drivers, high rates after DUI convictions, policy cancellation and lack of trust in their agent. Regardless of your reason for switching companies, finding a great new company is actually quite simple.