10 Must-Know Techniques When Comparing Queen Creek Car Insurance

Are you intimidated by the wide range of car insurance company choices in Queen Creek? You’re not the only one! There are so many companies to choose from that it can turn into a ton of work to find lower rates.

Compare Queen Creek Car Insurance Costs

There are several ways to shop for car insurance, but there is one way that is easier and takes less work. You could spend your day talking to agents in Queen Creek, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Many insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and at least one company returns a competitive quote based on that information. This eliminates the need for quote requests to every company.

To use this form to compare rates click to open in new window.

The only downside to comparing rates this way is that you can’t choose the providers you want pricing from. So if you prefer to pick from a list of companies to compare prices, we have assembled a list of car insurance companies in Arizona. Click here for list of insurance companies in Arizona.

However you get your quotes, ensure you are comparing exactly the same quote information on every quote you get. If your comparisons have mixed coverages you will not be able to find the best deal in Queen Creek. Having just a slight variation in insurance coverages can make a big difference in price. It’s important to know that having more price comparisons will increase your chances of finding better pricing.

Learn How to Lower your Rates

Smart consumers have a good feel for the rating factors that play a part in calculating car insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.Queen Creek insurance prices

Shown below are a partial list of the pieces car insurance companies consider when setting prices.

  • Where you live can impact rates – Choosing to live in a small town is a positive aspect when buying car insurance. Less people living in that area translates into fewer accidents. Drivers in populated Arizona areas tend to have more traffic problems and longer commutes to work. Longer commute distances means more change of being in an accident.
  • Do you need the policy add-ons? – There are many extra coverages you can purchase on your policy. Coverages for personal injury protection, better glass coverage and additional equipment coverage are some examples. They may seem good at first, but now you might not need them so eliminate them to save money.
  • Marriage pays dividends – Having a spouse actually saves money on your car insurance policy. It means you’re more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Do you have a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Careers like lawyers, executives and stock brokers have the highest rates because of high stress levels and long work hours. On the other hand, professions such as pilots, students and performers get better rates.
  • Drive less and save money – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your car insurance coverage is showing the proper vehicle usage.
  • More performance means more cost – The make and model of the vehicle you drive makes a big difference in how high your rates are. Low performance passenger cars usually have the lowest rates, but other factors influence the final cost greatly.
  • Tickets mean higher rates – Good drivers have lower premiums than bad drivers. Even a single moving violation can increase rates twenty percent or more. If you have serious violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with their state motor vehicle department in order to continue driving.

Companies offer discounts so take them!

Car insurance can cost a lot, but there could be available discounts to cut the cost considerably. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be asked for before you will receive the discount.

  • College Student – Children who live away from home and do not have a car can be insured at a reduced rate.
  • Auto/Life Discount – Some companies give lower rates if you buy life insurance from them.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save up to 15% off the personal injury premium cost.
  • Passive Restraint Discount – Vehicles equipped with air bags can qualify for discounts of more than 20%.

It’s important to understand that many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will reduce your overall premium however.

Do I just need basic coverages?

When it comes to buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions might help in determining whether your personal situation will benefit from professional help.

  • Does my vehicle qualify for pleasure use?
  • Am I covered when driving on a suspended license?
  • Am I covered when driving in Canada or Mexico?
  • Exactly who is provided coverage by my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have any recourse if my insurance company denies a claim?
  • Where can I get insurance after a DUI in Arizona?
  • What discounts do I qualify for?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

In the end, you save

Affordable car insurance is definitely available from both online companies and also from your neighborhood Queen Creek agents, so compare prices from both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

compare rates in Arizona

Consumers leave their current company for a variety of reasons including being labeled a high risk driver, policy cancellation, delays in responding to claim requests or high prices. Regardless of your reason, finding a new company can be easy and end up saving you some money.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. In many instances, someone sacrificed full coverage and discovered at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

More information is available on the Arizona Department of Insurance website through this link. Arizona consumers can find a variety of consumer forms, download brochures, discover disciplinary actions, and file complaints about a company.

Also read more on this page for car insurance in Arizona and this page for help finding agents in Queen Creek, AZ.