Easy Ways to Pay Less on El Mirage Car Insurance

Are you a victim of an overpriced car insurance policy? Trust us, there are many El Mirage consumers feeling the pinch from expensive car insurance.

There is such a variety of auto insurance companies to purchase coverage from, and although it’s nice to have a selection, lots of choices makes it harder to locate the cheapest rates.

Finding more affordable coverage in El Mirage is quite easy. Just about anyone who carries car insurance most likely will be able to reduce their rates. But Arizona drivers do need to understand the way companies sell online and use this information to your advantage.

You have some control over your rates

An important part of buying insurance is that you know the rating factors that help determine the price you pay for car insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get big savings.

Pay less if you’re married – Getting married actually saves money on car insurance. It translates into being more responsible it has been statistically shown that married couples file fewer claims.
Occupation reflects on rates – Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, executives and financial analysts are shown to have higher average rates attributed to high stress and long work days. Conversely, jobs such as actors, engineers and performers pay the least.
Extra add-on coverages are wasting money – There are many additional coverages you can purchase when buying car insurance. Coverages for personal injury protection, better glass coverage and motor club memberships may be wasting your money. They may seem good when you first buy your policy, but if you don’t need them eliminate them to save money.
Lower rates come with age – Older insureds are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Teen drivers are statistically proven to be less responsible when behind the wheel therefore car insurance rates are much higher.
Discounts for multiple policies – The majority of insurers give discounts to customers who buy several policies from them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s still a good idea to comparison shop to verify if the discount is saving money. Consumers may find a better deal by buying insurance from more than one company.
Special features that cut premiums – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
Don’t let your coverage lapse – Driving without insurance is illegal and as a result your rates will increase for letting your insurance expire. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a revoked license or a big fine.Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Arizona motor vehicle department.

Take advantage of discounts

Insuring your vehicles can cost a lot, but companies offer discounts that you may not even be aware of. Some trigger automatically when you quote, but a few need to be asked for prior to receiving the credit.

Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less than less cautious drivers.
Accident Free – Claim-free drivers can save substantially when compared with frequent claim filers.
Drive Less and Save – Fewer annual miles can earn better rates on cars that stay parked.
Good Student – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
Senior Citizens – If you’re over the age of 55, you may qualify for reduced rates.
Service Members Pay Less – Having a family member in the military can result in better rates.
Auto/Home Discount – When you have multiple policies with the same company you will save at least 10% off all policies.
Defensive Driving Course – Completing a driver safety course could cut 5% off your bill if you qualify.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will help reduce the cost of coverage.

For a list of providers with the best car insurance discounts in Arizona, follow this link. save money concept

But don’t I need an insurance agent?

Certain consumers prefer to visit with an insurance agent and that is just fine! The biggest benefit of comparing rates online is that you can obtain lower rates but also keep your business local. Buying from local insurance agencies is especially important in El Mirage.

After filling out this quick form, your information gets sent to companies in El Mirage who will compete for your business. You never need to leave your computer due to the fact that quote results will go straight to your inbox. How cool is that?! Get lower rates and work with a local agent.

Shown below is a short list of insurers in El Mirage that are able to give price quotes.

Oasis Insurance – 11922 W Thunderbird Rd, El Mirage, AZ 85335 – (623) 933-2221
Arizona Amigos Insurance LLC – 12117 NW Grand Ave, El Mirage, AZ 85335 – (623) 556-5658

Deciding on an provider needs to be determined by more than just a low price. Agents should be asked these questions:

Is the agent and/or agency licensed to do business in Arizona?
Can glass repairs be made at your home?
Do they receive special compensation for putting your coverage with one company over another?
How long have they worked with personal auto insurance coverage?
Do they make recommendations based only on price?
What is the agency’s Better Business Bureau rating?

After receiving reasonable responses to any questions you have as well as a affordable price, most likely you have located an insurance company that is a good match to properly service your car insurance policy.

When might I need help?

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might point out whether or not you will benefit from professional help.

Do I need to file an SR-22 for a DUI in Arizona?
Do I have coverage when making deliveries for my home business?
When should I remove comp and collision on my vehicle?
Am I covered when using my vehicle for business?
How high should my medical payments coverage be?
Is my nanny covered when driving my vehicle?
When should I not file a claim?
Do I have any recourse if my insurance company denies a claim?
What can I do if my company denied a claim?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

For more information

Additional information can be found on the website for the Arizona Department of Insurance through this link. Visitors are able to file complaints about a company, file complaints about an insurance agent or broker, learn about insurance regulations, and download brochures.

Smart consumers save more

Lower-priced car insurance can be sourced online in addition to many El Mirage insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.

You just learned a lot of tips how to reduce car insurance prices online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at an affordable rate, not the least amount of coverage.