Learn How to Find the Best Price on Buckeye Car Insurance

If you’re new to shopping for car insurance online, you may be overwhelmed by the vast number of companies offering coverage in Buckeye.

Consumers should take time to take a look at other company’s rates at least once a year due to the fact that insurance rates are usually higher with each renewal. Just because you had the best deal last year there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate how to use the internet to eliminate unnecessary coverages and save money.

Buckeye Car Insurance Comparisons

Getting a lower price on insurance is not a difficult process. The only requirement is to invest a little time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

The easiest and least time consuming way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do multiple quote forms to each individual car insurance company. One quote request will return quotes from all major companies. It’s the fastest way to compare.

A slightly less efficient method to compare prices consists of visiting each company website to complete their respective quote request forms. For examples sake, let’s say you want comparison quotes from Liberty Mutual, Progressive and GEICO. To get rate quotes you would need to visit each site to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in Buckeye, click here.

Which method you use is up to you, but make sure you use identical coverages for each comparison quote. If you compare differing limits it’s impossible to make an equal comparison in Buckeye.

Why some people pay less for insurance in Buckeye

It’s important that you understand the factors that play a part in calculating car insurance rates. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to big savings.

• Do you need the policy add-ons? – There are a ton of add-on coverages that you can buy when buying car insurance. Things like rental car reimbursement, towing coverage and additional equipment coverage may be wasting your money. These may sound like a good investment at first, but now you might not need them so remove them from your policy.
• Big city or small town – Choosing to live in less populated areas can be a good thing when it comes to car insurance. Drivers in populated areas tend to have much more traffic and longer commute times. Lower population translates into fewer accidents as well as less vandalism and auto theft.
• A clean driving record saves money – A bad driving record has a huge affect on how much you pay. Drivers with clean records have lower premiums compared to drivers with tickets. Only having one citation may increase your cost by twenty percent. If you have flagrant violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state motor vehicle department in order to keep their license.
• Higher safety ratings means cheaper insurance – Vehicles with good safety scores are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
• Poor credit can mean higher rates – Your credit history is a big factor in calculating your car insurance rates. If your credit is not that good, you could save money insuring your by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than those with lower credit scores.
• An active claims history can cost you – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Car insurance companies in Arizona generally give discounts to drivers who file claims infrequently. Auto insurance is meant to be used in the event of larger claims.
• Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.

Cut your car insurance rates with discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but a few must be specifically requested before being credited. If you aren’t receiving every discount possible, you’re paying more than you need to.

• Seat Belts Save – Requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
• Life Insurance – Some companies give lower rates if you buy life insurance from them.
• 55 and Retired – If you qualify as a senior citizen, you may be able to get better car insurance rates.
• Anti-theft System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
• Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
• New Car Discount – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
• Federal Government Employee – Active or retired federal employment can earn a discount up to 10% with certain companies.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you can get free auto insurance, car insurance companies aren’t that generous. Any qualifying discounts will help reduce your overall premium however.

For a list of insurers with the best car insurance discounts in Arizona, click this link.

Quote more, save more

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed liability coverage limits only to regret they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Drivers who switch companies do it for any number of reasons including delays in responding to claim requests, poor customer service, not issuing a premium refund or lack of trust in their agent. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.

The cheapest car insurance can be bought online and with local Buckeye insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

More sites with car insurance information

Additional information can be read on the Arizona Department of Insurance website located here. Arizona consumers can discover disciplinary actions, file complaints about a company, download brochures, and find disaster information.