Nobody I know likes having to buy auto insurance, especially when they are paying too much. Having so many choices, it can be hard to pick the lowest price car insurance company.
Buying car insurance in Gilbert is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to save some money using these methods. Arizona vehicle owners only need an understanding of the proper methods to shop their coverage around over the internet.
Do you qualify for discounts?
Car insurance companies don’t always list every discount very clearly, so here is a list some of the more common and the harder-to-find auto insurance savings. If you’re not getting every credit available, you’re paying more than you need to.
- Clubs and Organizations – Being a member of a civic or occupational organization may earn a discount on auto insurance.
- Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Multiple Vehicles – Insuring multiple vehicles with the same company can get a discount on all vehicles.
- Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
- Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
- Military Discounts – Being on active duty in the military could mean lower rates.
- Bundle and Save – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
- Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.
Gilbert Auto Insurance Comparisons
There are several ways to compare auto insurance prices and some are more efficient than others. You could waste a few hours talking about coverages with agents in Gilbert, or you can utilize the web to maximize your effort.
Many insurance companies are enrolled in a marketplace that enables customers to send in one quote, and each company returns a competitive quote. This prevents consumers from doing quote forms to each company.
To find out how much you’re overpaying now click here to open in new window.
One minor caviat to comparing rates this way is you are unable to specify which insurance companies to get pricing from. So if you prefer to pick from a list of companies to receive pricing from, we have assembled a list of companies who write auto insurance in Arizona. View list of Arizona insurance companies.
However you get your quotes, make sure you use exactly the same coverage limits and deductibles with every price quote. If your comparisons have different values for each quote you can’t possibly find the best deal in Gilbert.
Online plus local equals savings
The cheapest auto insurance is possible from both online companies in addition to many Gilbert insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.
Throughout this article, we presented a lot of tips how to save on auto insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies. They may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.
As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to find out that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage for the lowest price.