Have you had enough of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as millions of other consumers. Insurance companies such as GEICO and Progressive all claim big savings with fancy advertisements and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.
Which Car Insurance is Cheapest in Glendale, AZ?
Most major insurance companies such as Progressive, GEICO, Allstate and State Farm quote coverage price quotes directly from their websites. Obtaining pricing is fairly simple as you just type in your personal and coverage information into a form. Once entered, the system will obtain your driving and credit reports and generates pricing information. This simplifies rate comparisons, but the work required to visit different websites and enter the same data into a form is monotonous and tiresome. But it’s very important to have as many quotes as possible in order to find better prices.
A less time-consuming method to find lower prices uses one simple form that gets prices from many companies. The form is fast, helps eliminate reptitive entry, and makes online quotes much easier. Immediately after you send the form, it gets priced and you can select any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.
To compare pricing, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you copy the coverage information identical to your current policy. Using the same limits helps guarantee you will receive rate comparison quotes based on similar coverages.
Save Money with These Tips
Consumers need to have an understanding of the factors that help determine car insurance rates. Understanding what determines base rates empowers consumers to make smart changes that may reward you with lower car insurance prices.
The following are a partial list of the pieces used by your company to calculate rates.
- Women pay lower rates – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men tend to get into accidents at a similar rate, but the male of the species cause more damage. Men also tend to receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high car insurance rates.
- No coverage gaps is important – Letting your insurance expire is a sure-fire way to bump up your car insurance costs. Not only will rates go up, but being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.You may need to file a SR-22 with the Arizona DMV.
- Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
- Rates may be lower depending on your job – Careers like real estate brokers, executives and accountants tend to have higher rates than average in part from high stress levels and lots of time spent at work. On the flip side, occupations such as scientists, athletes and the unemployed receive lower rates.
- Liability coverage is cheap – The liability section of your policy will protect you in the event that a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
- High credit ratings translate to low rates – Having a bad credit rating is a large factor in calculating your car insurance rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers who have lower credit scores. So if your credit rating can use some improvement, you could pay less to insure your by improving your rating.
- An active claims history can cost you – Insurance companies in Arizona give cheaper rates to drivers who are claim-free. If you tend to file frequent claims, you can expect higher rates. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
Verify you’re getting all your discounts
Companies don’t always list every available discount in an easy-to-find place, so here is a list some of the best known and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit available, you are paying more than you should be.
- Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
- Accident Free – Claim-free drivers can save substantially when compared with drivers who are more careless.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
- Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
- Distant Student – Any of your kids living away from home attending college without a vehicle on campus may qualify for this discount.
- Own a Home – Being a homeowner can help you save on car insurance because maintaining a house is proof that your finances are in order.
- Accident Waiver – A handful of insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.
For a list of providers offering car insurance discounts in Glendale, click here to view.
When should I talk to an agent?
When buying coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions can aid in determining whether or not you may require specific advice.
- Am I covered when using my vehicle for business?
- Is there coverage for injuries to my pets?
- Can I drive in Mexico and have coverage?
- Does my insurance cover my expensive audio equipment?
- How high should my uninsured/underinsured coverage be in Arizona?
- Does my policy cover my teen driver if they drive my company car?
- I don’t drive much so do I pay less?
- Should I drop comprehensive coverage on older vehicles?
- What can I do if my company won’t pay a claim?
- Is my cargo covered for damage or theft?
If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.
Summing up your car insurance search
As you restructure your insurance plan, never reduce coverage to reduce premium. Too many times, consumers will sacrifice uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at a price you can afford.
Cost effective car insurance is possible on the web as well as from independent agents in Glendale, and you should compare price quotes from both so you have a total pricing picture. Some companies don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.
In this article, we presented a lot of techniques to reduce car insurance prices online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a lesser-known regional company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.
For more information
More tips and info about car insurance is located at the Arizona Department of Insurance website. Arizona consumers can view a list of available companies, view agent and company licensing information, and find a variety of consumer forms.