Tired of paying out the nose to pay your car insurance bill each month? You’re in the same situation as the majority of other car owners in Arizona.
Big-name insurance companies like Allstate, Progressive and GEICO all claim big savings, bombarding you with advertising and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.
It’s important to do rate comparisons yearly because insurance rates fluctuate regularly. Even if you think you had the lowest rates a couple years back you will most likely find a better rate today. There is a lot of wrong information about auto insurance on the web, but I’m going to show you some proven techniques to buy auto insurance cheaper.
Fast and Easy Phoenix Auto Insurance Quotes
There are several ways to compare rate quotes and find the best price. One of the best ways to compare insurance prices involves getting comparison quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- Probably the best way to get quotes is an all-inclusive rate comparison click to view form in new window. This method saves time by eliminating a different quote to each individual auto insurance company. Just one form will get you price quotes from all major companies.
- Another way to get comparison quotes requires a trip to each company website and fill out their own quote form. For example, let’s say you want to compare rates from GEICO, Farmers and Travelers. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why the first method is quicker.
For a list of links to companies insuring cars in Phoenix, click here.
- The hardest way of getting rate comparisons is to spend time driving to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you want the professional advice only provided by licensed Phoenix agents. Drivers can comparison shop online and get advice from an agent in your area. We’ll cover that shortly.
Whichever way you use, make absolute certain that you use apples-to-apples quote information with every price quote. If you compare mixed coverages it will be impossible to make a fair comparison in Phoenix. Quoting even small variations in coverages may result in large price differences. And when quoting auto insurance, remember that quoting more helps locate better pricing.
Discounts are basically free money
Companies that sell car insurance don’t always advertise all available discounts in an easy-to-find place, so we break down some of the best known and the more hidden auto insurance savings.
- Good Student – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
- Save with a New Car – Insuring a new car is cheaper since new cars are generally safer.
- Federal Government Employee – Simply working for the federal government could cut as much as 10% off with certain companies.
- Early Signing – Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
- No Charge for an Accident – Some insurance companies will forgive one accident without raising rates if you are claim-free for a certain period of time.
- Safety Course Discount – Completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
- Multi-policy Discount – If you have multiple policies with the same insurance company you may save at least 10% off all policies.
- Drivers Ed for Students – Have your child complete a driver education course if it’s offered in school.
- Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
A little note about advertised discounts, most discounts do not apply to the entire cost. Most only cut individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.
For a list of insurers offering auto insurance discounts in Arizona, follow this link.
Compare online but buy from a local Phoenix agent
Certain consumers would prefer to sit down with an agent. One of the great benefits of price shopping on the web is that you can obtain lower rates and still choose a local agent.
Upon completion of this simple form, the coverage information is emailed to insurance agents in Phoenix who will return price quotes for your business. You don’t have to leave your computer since price quotes are sent straight to your inbox. It doesn’t get any easier! You can find the lowest rates and a licensed agent to work with.
Picking an insurance company shouldn’t rely on just the price. Here are some questions to ask:
- Can they provide you with a list of referrals?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Did they already check your driving record and credit reports?
- Are there any discounts that you might be missing?
- Does the company allow you to choose your own collision repair facility?
- Who is covered by the car insurance policy?
- Do they regularly work with personal auto policies?
The following is a list of insurers in Phoenix willing to provide comparison quotes.
Kurt Bojarski Agency – 3101 W Peoria Ave, Phoenix, AZ 85029 – (602) 504-0500
Farm Bureau Insurance – 4045 E Union Hills Dr, Phoenix, AZ 85050 – (602) 971-2050
Liberty Mutual Insurance – 2510 W Dunlap Ave # 300, Phoenix, AZ 85021 – (602) 997-4700
Allstate Insurance Co – 4545 E Shea Blvd # 240, Phoenix, AZ 85028 – (602) 953-3762
Safe Guard Insurance Group – 3101 W Peoria Ave # C105, Phoenix, AZ 85029 – (602) 866-7099
Farmers Insurance Group – 1920 E Ronald Rd, Phoenix, AZ 85022 – (602) 867-1978
Chris Bolton State Farm Ins – 1630 N 7th St, Phoenix, AZ 85006 – (602) 252-1330
American Family Insurance – 1202 E Missouri Ave # 120, Phoenix, AZ 85014 – (602) 279-4414
After receiving positive feedback to these questions and an affordable coverage quote, chances are good that you have found a company that will provide auto insurance coverage.
Car insurance is unique, just like you
When choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that For example, these questions might point out whether your personal situation could use an agent’s help.
- Do I pay less if my vehicle is kept in my garage?
- Should I drop comprehensive coverage on older vehicles?
- Does my personal auto insurance policy cover using my vehicle for business use?
- Who is covered by my policy?
- Where can I get insurance after a DUI in Arizona?
- Is borrowed equipment or tools covered if stolen or damaged?
- Is my vehicle covered for flood damage?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Why am I be forced to buy a membership to get insurance from some companies?
If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier
Informed Drivers can Cut Their Rates
It’s important that you understand the different types of things that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that can help you get lower auto insurance prices.
Shown below are a partial list of the pieces auto insurance companies consider when setting your rates.
- Do you have a high stress job? – Occupations such as judges, social workers and financial analysts have higher average rates because of high stress levels and long work days. Conversely, occupations like scientists, engineers and the unemployed get better rates.
- Your credit rating is important – Credit history is a important factor in determining your rates. So if your credit rating is not that good, you could pay less to insure your by improving your rating. People with high credit scores tend to be more responsible as compared to drivers with lower credit scores.
- More than one policy can earn a discount – The majority of insurers give discounts to customers who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to verify if the discount is saving money.
- Tickets mean higher rates – Your driving record has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance compared to drivers with tickets. Even one moving violation can increase rates by twenty percent. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 to the state department of motor vehicles in order to keep their license.
- No coverage gaps is important – Driving with no insurance is a misdemeanor and auto insurance companies will penalize you for letting your insurance lapse. Not only will you pay more, getting caught without coverage will get you a revoked license or a big fine.
- Car features impact rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
- Pay less if you’re married – Having a spouse can actually save you money on your auto insurance policy. Having a significant other translates into being more responsible and it’s proven that being married results in fewer claims.
Shop smart and save
We just presented many ways to lower your auto insurance rates. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers may even find the best price on auto insurance is with some of the lesser-known companies. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm or Progressive.
Cheap auto insurance is attainable both online as well as from independent agents in Phoenix, and you need to comparison shop both in order to have the best chance of saving money. Some companies don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
Consumer auto insurance information in Arizona
Even more information can be found at the Arizona Department of Insurance website. Arizona consumers can find out which companies have the most complaints, read state legal mandates and laws, and read enforcement actions against agents and companies.
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