Learn How to Shop For Glendale, AZ Auto Insurance Like a Professional

Scraping up a payment for overpriced auto insurance can empty your checking account and put the squeeze on your family’s finances. Doing a price comparison is free and is an excellent way to help make ends meet.

Numerous insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurance company to discover the definitive lowest rate

If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Glendale is easy if you know what you’re doing. But Arizona vehicle owners benefit from understanding how the larger insurance companies price insurance differently and take advantage of how the system works.

Glendale Auto Insurance Quote Comparison

When shopping for auto insurance there are multiple ways of comparing price quotes from local in Glendaleauto insurance companies. The simplest method to compare insurance prices is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

  1. The first (and easiest) way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating multiple quote forms to each individual auto insurance company. Completing one form will return quotes from several companies.
  2. A different way to find lower rates is to manually visit the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll pretend you want comparison quotes from Farmers, Allstate and Progressive. To get rate quotes you would need to go to every website to input your insurance information, and that’s why the first method is more popular.

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

  3. The least efficient way of comparing rate quotes is to spend your day driving to different Glendale agent offices. The internet has reduced the need for local agents unless you want the professional guidance of a licensed agent. You can, however, price shop online but buy from a local insurance agent.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage information on every quote. If you enter different values for each quote it will be very difficult to determine the best price in Glendale. Quoting even small variations in coverages may cause a big price difference. And when comparison shopping, quoting more helps locate the best rates.

Do you really save 40% when you switch?

Allstate, GEICO and Progressive consistently run ads in print and on television. All the companies make the same claim that you’ll save big if you change your coverage to them. How does each company make the same claim?

All companies have a preferred profile for the driver that makes them money. For instance, a profitable customer might be over the age of 40, has no tickets, and drives less than 7,500 miles a year. A customer who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who fall outside the requirements will have to pay higher rates which leads to the customer not buying. The ads say “customers that switch” not “everyone that quotes” save money. That’s the way insurance companies can make the claims of big savings. Because of the profiling, drivers should get as many quotes as possible. It’s impossible to know which company will give you the biggest savings.Glendale Arizona insurance ad

How insurance companies determine rates

It’s important that you understand the rating factors that go into determining the rates you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with big savings.

  • Special features that cut premiums – Choosing a vehicle with an alarm system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • No coverage gaps is important – Driving your car without having proper coverage is illegal and you will pay a penalty because you let your insurance lapse. Not only will you pay more, failure to provide proof of insurance may earn you a steep fine or even jail time.
  • Men are more aggressive – Statistics demonstrate that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. They both are in accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations such as DWI and reckless driving.
  • Drive less and save money – The higher the mileage driven in a year’s time the higher your rates will be. The majority of insurers rate vehicles based upon how you use the vehicle. Vehicles that are left in the garage get more affordable rates compared to those used for work or business. Verify your auto insurance declarations sheet properly reflects the correct usage for each vehicle.
  • Your location affects your rates – Residing in a rural area is a positive aspect when insuring your vehicles. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.

These discounts can lower your rates

Companies do not list all available discounts very clearly, so we break down some of the best known and also the lesser-known auto insurance savings.

  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Resident Student – Kids in college who are attending college without a vehicle on campus may qualify for this discount.
  • Organization Discounts – Affiliation with a qualifying organization may earn a discount on auto insurance.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums.

Drivers should understand that some credits don’t apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of insurance companies with the best auto insurance discounts in Arizona, click here to view.

Neighborhood insurance agents

Some consumers would rather talk to a local agent and that is a personal choice. The biggest benefit of comparing rates online is that you can obtain lower rates and still choose a local agent.

After completing this quick form, the quote information is immediately sent to local insurance agents in Glendale who will give you bids for your business. You won’t need to leave your house as quotes are delivered to your email. It doesn’t get any easier! It’s the lowest rates and an insurance agent to talk to.

Choosing an provider needs to be determined by more than just a cheap price. Ask your prospective agent these questions:

  • How long has their agency been in business in Glendale?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Will your rates increase after a single accident?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Do they specialize in personal lines coverage?
  • Who is covered by the car insurance policy?
  • Are claims handled at the agent’s location?

To view a list of agents in Glendale to contact, please view this page.

After receiving acceptable answers to your questions and an affordable coverage quote, you have narrowed it down to an insurer that is a good match to insure your vehicles.

Best coverage at the best price

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. There are too many instances where an insured dropped uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

You just learned a lot of techniques to get a better price on auto insurance. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from some of the smallest insurance companies. These companies often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

Some additional reading

More tips and info about auto insurance can be found at the Arizona Department of Insurance website. Arizona drivers can read consumer alerts, view agent and company licensing information, and view a list of available companies.