Insider Tricks to Paying Less for Tucson Auto Insurance

Scraping up a payment for overpriced auto insurance can empty your savings account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income. Drivers have multiple car insurance companies to purchase coverage from, and even though it’s nice to have a choice, it can be more challenging to compare rates and cut insurance costs.

It’s smart to compare prices yearly due to the fact that insurance rates change regularly. Even if you think you had the lowest rates a few years ago there may be better deals available now. Starting now, forget anything you know (or think you know) about auto insurance because I’m going to teach you one of the quickest ways to find better rates and still maintain coverage.

Finding the best rates in Tucson is not that difficult. If you are insured now or are looking for a new policy, you can follow these tips to find the best rates while maximizing coverage. Arizona drivers only need to know the most effective way to shop for auto insurance over the internet.

Do you qualify for a discount?

Companies don’t always advertise all their discounts in an easy-to-find place, so we break down both the well known and the more hidden discounts you could be receiving. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

• Defensive Driver – Taking part in a course teaching defensive driving skills can save you 5% or more depending on where you live.
• E-sign – Certain companies will give a small break simply for signing over the internet.
• Military Rewards – Having a family member in the military can result in better rates.
• Discount for Good Grades – This discount can earn a discount of 20% or more. The discount lasts up until you turn 25.
• Multiple Cars – Having all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
• Discounts for Safe Drivers – Safe drivers can pay as much as 50% less than drivers with accident claims.
• Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.
• Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.

It’s important to understand that many deductions do not apply the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way.

Compare Auto Insurance Today

All the larger auto insurance companies give coverage price quotes directly from their websites. The process is quite easy as you simply enter the coverage amounts you desire into a form. After you submit the form their system requests your driving and credit reports and returns pricing information determined by many factors. Online quotes streamlines rate comparisons, but the time required to go to a lot of sites and complete many quote forms gets old quite quickly. But it is imperative to do this in order to find the lowest price.

There is a better way!

A more efficient way to locate the lowest prices uses one simple form that gets price quotes from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes online shopping much easier. As soon as the form is sent, your coverage is rated and you can select your choice of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. This process can be completed in a matter of minutes and may save quite a bit of money.

To quickly get comparison pricing now, simply click here to open in new window and submit the form. To compare your current rates, we recommend you enter your coverages exactly as they are listed on your policy. This helps ensure you will have a price comparison for the exact same coverage.

Compare but don’t skimp

Budget-conscious auto insurance can be bought from both online companies in addition to many Tucson insurance agents, and you should be comparing both to have the best rate selection. A few companies do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced liability coverage limits only to regret at claim time that it was a big mistake. Your aim should be to buy enough coverage at an affordable rate while still protecting your assets.

In this article, we presented quite a bit of information on how to save on auto insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the biggest savings come from an unexpected company. They may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.