Proven Methods for Buying Prescott Arizona Car Insurance at a Discount

Scraping up a payment for overpriced car insurance can overdraw your bank account and make it hard to pay other bills. Comparison shopping is a smart way to lower your monthly bill.

With consumers having so many choices of insurance companies, it can be challenging to find the most cost effective company.

Consumers need to compare rates occasionally since rates are constantly changing. Even if you got the best deal two years ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the best way to find better coverage at a better price.

Be sure to get all your discounts

Car insurance can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Most are applied when you get a quote, but some may not be applied and must be inquired about before you get the savings.

  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Save over 55 – If you’re over the age of 55, you may be able to get reduced rates.
  • Clubs and Organizations – Belonging to certain professional organizations is a good way to get lower rates when shopping for car insurance.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.

Drivers should understand that most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, it doesn’t quite work that way. But all discounts will reduce the amount you have to pay.

For a list of companies with the best car insurance discounts in Prescott, follow this link.

Smart Consumers Save More

It’s important that you understand the rating factors that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

Listed below are some of the items car insurance companies consider when setting premiums.Car insurance in Prescott Arizona

  • Your job and insurance rates – Did you know your job can affect your rates? Occupations like real estate brokers, business owners and accountants have higher rates than average due to high stress levels and long work days. On the flip side, jobs such as actors, athletes and homemakers get better rates.
  • Don’t let your coverage lapse – Driving with no insurance is against the law and you will pay a penalty because you let your insurance expire. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Your age impacts your rates – More mature drivers are more responsible, file fewer claims and are safer drivers. Teen drivers have a tendency to be careless and easily distracted when driving and because of this, their car insurance rates are much higher.
  • Pay less after the wedding – Having a wife or husband actually saves money on your car insurance policy. Marriage means you’re more mature than a single person and it’s proven that married couples file fewer claims.
  • High credit ratings translate to low rates – Having a bad credit rating is a huge factor in your rate calculation. Consumers who have good credit tend to be less risk to insure than drivers with lower credit scores. So if your credit score can use some improvement, you could save money insuring your by spending a little time repairing your credit.
  • Equipment add-ons that lower car insurance rates – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.

Your local neighborhood insurance agent

Certain consumers would prefer to talk to a local agent. The biggest benefit of getting online price quotes is you may find the lowest rates but also keep your business local. Supporting local businesses is important especially in Prescott.

After filling out this short form, the coverage information is instantly submitted to local insurance agents in Prescott who will battle to get your business. You never need to drive around as quotes are delivered to the email address you provide. How’s that for easy! Get lower rates AND a local agent.

If you want to view licensed agents in Prescott, visit this link.

Picking an provider shouldn’t rely on just the price. Any agent should have no problem answering these questions:

  • Does the company allow you to choose your own collision repair facility?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • What is the agency’s Better Business Bureau rating?
  • Are they full-time agents?
  • How much will you save each year by using a higher deductible?

Once you have acceptable answers to all your questions in addition to an acceptable price estimate, you may have just found a company that is a good match to provide car insurance coverage.

Don’t listen to company ads

Companies like State Farm, Allstate and GEICO continually stream ads on television and other media. All the ads say the same thing that you can save after switching to their company. How does each company make almost identical claims?

All the different companies have a certain “appetite” for the right customer that earns them a profit. For instance, a profitable customer might be over the age of 50, a clean driving record, and has excellent credit. Any new insured who matches those parameters receives the best rates and therefore will save quite a bit of money when switching.

Drivers who don’t qualify for this ideal profile must pay higher rates which leads to the customer not buying. The ads say “people who switch” but not “drivers who get quotes” save that much. That’s the way companies can claim big savings.

This illustrates why drivers must get quotes from several different companies. Because you never know which insurance companies will fit your personal profile best.

price insurance in Arizona

Much more information about car insurance in Arizona is located on the website for the Arizona Department of Insurance located here. Arizona consumers can file complaints about a company, read state legal mandates and laws, and find out industry alerts.

Also read more on this page for car insurance in Arizona and this page on

What is YOUR best insurance company?

Affordable car insurance is attainable online as well as from independent agents in Prescott, so you should compare both so you have a total pricing picture. Some companies don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.