Lowest Car Insurance Exclusively for Queen Creek Residents

Are you tired of not being able to afford to pay your car insurance bill each month? You are in the same boat as millions of other consumers.

Numerous car insurance companies battle for your insurance dollar, and it can be difficult to compare rates to discover the definitive best price available.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. Choosing the best insurance company for you in Queen Creek is quite easy. But Arizona vehicle owners can benefit by having an understanding of how the larger insurance companies sell insurance online and take advantage of how the system works.

Discounts are great for lower rates

Car insurance companies do not list all available discounts in an easy-to-find place, so we researched both the well known and the harder-to-find discounts you could be receiving.

  • Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for New Cars – Insuring a new car can save up to 30% since new cars are generally safer.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off with a few car insurance companies.
  • Multiple Cars – Having all your vehicles on one policy could earn a price break for each car.
  • Save over 55 – Older drivers can possibly qualify for better car insurance rates.

It’s important to note that some of the credits will not apply the the whole policy. Most only cut specific coverage prices like comp or med pay. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.

To choose providers who offer car insurance discounts in Queen Creek, click here.auto insurance image

Rate influencing factors

Smart consumers have a good feel for the rating factors that help determine your car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with big savings.

  • High performance equals high price – The make and model of the vehicle you drive makes a big difference in the rate you pay. The lowest rates tend to be for small economy passenger cars, but there are many factors that impact the final cost.
  • Your spouse saves you money – Having a wife or husband actually saves money on your car insurance policy. Having a significant other is viewed as being more mature than a single person and statistics show drivers who are married are more cautious.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. These vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Higher deductibles cost less – The deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered would be running into the backend of another car, damage from fire, or theft. The more the insured has to pay upfront, the lower your rates will be.
  • Teen drivers pay high rates – Teen drivers in Arizona tend to be more careless in a vehicle so car insurance rates are higher. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
  • How’s your driving record? – Even one ticket can boost insurance rates by twenty percent. Careful drivers get better rates than people who have multiple driving citations. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Your stress level may be raising your rates – Jobs such as real estate brokers, architects and dentists have the highest average rates because of job stress and lots of time spent at work. Other professions such as scientists, historians and the unemployed get better rates.

Buyer beware of car insurance advertising tricks

Progressive, Allstate and GEICO regularly use television and radio advertisements. All the companies say the same thing that you’ll save big if you move to their company. How can each company claim to save you money?

Insurance companies have a preferred profile for the type of driver that earns them a profit. An example of a driver they prefer could possibly be over the age of 40, a clean driving record, and chooses high deductibles. A propective insured that hits that “sweet spot” gets the lowest rates and as a result will probably save when they switch companies.

Drivers who are not a match for these standards will have to pay a higher premium which leads to business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save money. That’s the way companies can truthfully claim big savings. Because of the profiling, you should get as many quotes as possible. It’s not possible to predict which company will fit your personal profile best.

More detailed Arizona car insurance information is available at the Arizona Department of Insurance website. Arizona drivers can learn about specific coverages, get help finding coverage, and find a variety of consumer forms.

lower rates in Queen Creek AZ

Best coverage at the best price

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, someone dropped physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Cost effective car insurance is definitely available from both online companies and with local Queen Creek insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

We just showed you some good ideas how to lower your car insurance rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from some of the smallest insurance companies. These companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.