Is Your Oro Valley Arizona Auto Insurance Too High? Here is How to Save Money

Are you overwhelmed by the dozens of auto insurance companies in Oro Valley? You’re not the only one! People have so many companies to choose from that it can easily become a lot of work to find better rates.

It’s a good habit to check auto insurance prices on a regular basis because rates are constantly changing. Just because you found the best price a couple years back other companies may now be cheaper. You’ll find quite a bit of inaccurate information about auto insurance online, so with this article, you’re going to get some good information on how to buy auto insurance cheaper.

Vehicle Insurance Comparison

Getting better auto insurance pricing isn’t really that difficult. The only requirement is to spend a little time to get quotes from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The single most time-saving way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form eliminates the need for repetitive form submissions for every auto insurance company. Just one form gets rate comparisons direct from many companies. This is perfect if you don’t have a lot of time.

A harder way to get comparison quotes requires a trip to the website for each individual company and complete a new quote form. For instance, we’ll assume you want rates from Auto-Owners, Farmers and Allstate. To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is more popular.

For a list of links to insurance companies in Oro Valley, click here.

It’s up to you which method you use, but double check that you are using exactly the same deductibles and coverage limits for every company. If you enter differing limits you will not be able to determine which rate is truly the best in Oro Valley.

Save big with these discounts

Auto insurance companies don’t always publicize all their discounts very clearly, so we researched both well-publicized as well as the least known ways to save on auto insurance. If you’re not getting every credit possible, you are throwing money rates in Arizona

  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Homeowners Pay Less – Owning a home in Oro Valley may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Fewer Miles Equal More Savings – Fewer annual miles could qualify for discounted rates on garaged vehicles.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can qualify for discounts of up to 25% or more.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Paperless Signup – Some insurance companies will give a small break for buying your policy on their website.

It’s important to understand that many deductions do not apply the the whole policy. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.

To see a list of providers offering auto insurance discounts in Arizona, click here to view.

But I don’t know anything about car insurance

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can help discover if your situation might need an agent’s assistance.

  • Does my insurance cover a custom paint job?
  • What discounts do I qualify for?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when delivering products for my home-based business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Should I rate my vehicle as pleasure use or commute?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

What determines how much you pay?

Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with better auto insurance rates.

  • Tickets mean higher rates – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one moving violation can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state DMV in order to keep their license.
  • How your age affects price – Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Teen drivers are statistically proven to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.
  • Save money with special equipment – Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Occupation reflects on rates – Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, business owners and stock brokers tend to pay the highest rates attributed to stressful work requirements and long work hours. On the other hand, occupations like scientists, students and performers have the lowest average rates.
  • Where you live – Being located in a rural area is a positive aspect when buying auto insurance. City drivers have more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.

Buy online or local, you save

Drivers change insurance companies for a number of reasons such as unfair underwriting practices, high rates after DUI convictions, an unsatisfactory settlement offer and even policy non-renewal. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

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While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed collision coverage to discover at claim time that it was a big mistake. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.

Cheap auto insurance can be found on the web and also from your neighborhood Oro Valley agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Even more information can be read at the Arizona Department of Insurance website. Arizona drivers can discover disciplinary actions, read enforcement actions against agents and companies, and file complaints about a company.

Other useful links include this page for auto insurance in Arizona and this page where you can research Oro Valley insurance agents.