New Methods for Spending Less for on Marana, AZ Auto Insurance

Having to pay for overpriced auto insurance can dwindle your bank account and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill.

Having so many online and local companies to choose from, it is hard for the average consumer to locate the lowest price company.

It’s a good idea to price shop coverage on a regular basis because rates trend upward over time. Despite the fact that you may have had the best deal two years ago there is a good chance you can find better rates now. Starting now, forget all the misinformation about auto insurance because I’m going to teach you the tricks you need to know to remove unneeded coverages and save money.

How to Lower Your Auto Insurance Cost in Marana, AZ

Most companies provide coverage price quotes directly from their websites. The process is fairly simple as you simply type in your coverage preferences as detailed in the form. Once you submit the form, their rating system collects your driving and credit reports and gives you a price quote. Online price quotes makes comparing rates easy, but the time it takes to visit several different sites and fill out multiple forms can get tiresome after awhile. But it’s very important to compare as many rates as possible in order to get the lowest possible prices on auto insurance.

Isn’t there an easier way to compare rates?

An easier way to find lower prices makes use of a single form that gets prices from a bunch of companies at once. The form is fast, requires less work, and makes online price comparison a little more enjoyable. After sending your information, it gets priced and you can select any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. This process only takes a few minutes and you will know how your current rates stack up.

To quickly find out how much you can save on auto insurance, click here to open in a new tab and enter your information. To compare your current rates, we recommend you complete the form with coverages and limits exactly as shown on your declarations page. This ensures you will be getting a fair comparison for exact coverage.

Advertising myths

Auto insurance providers like Allstate and Progressive regularly use ads in print and on television. They all say the same thing of big savings if you move your policy. How do they all claim to save you money?

Different companies are able to cherry pick for the type of customer that is profitable for them. For instance, a preferred risk might be profiled as between 25 and 40, owns a home, and has excellent credit. Any driver that hits that “sweet spot” receives the best rates and is almost guaranteed to save a lot of money.

Potential insureds who are not a match for the requirements will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads say “customers that switch” not “people who quote” save money. That’s why insurance companies can claim big savings. Because of the profiling, it is so important to get as many quotes as possible. It’s impossible to know which company will give you the biggest savings.

Why your price might be higher

It’s important that you understand some of the elements that go into determining the price 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.

• Discounts for multiple policies – Some auto insurance companies provide better rates to customers who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare other company rates to verify if the discount is saving money. Drivers may still find a better deal by buying insurance from more than one company.
• Higher deductibles cost less – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your car from damage. Examples of covered claims are running into the backend of another car, damage caused by hail, and burglary. The deductibles are the amount of money you are willing to pay out-of-pocket before your auto insurance pays a claim. The more money you’re willing to pay, the lower your rates will be.
• Proper usage rating affects rates – Driving more miles in a year’s time the more you will pay for auto insurance. Most companies rate vehicles based upon how you use the vehicle. Vehicles that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your auto insurance coverage is showing the proper vehicle usage.
• Better credit means lower rates – Credit score is a big factor in your rate calculation. If your credit history is lower than you’d like, you could pay less to insure your by improving your credit score. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with poor credit.

Do you qualify for a discount?

Car insurance companies don’t list every discount very well, so the following is a list of both the well known and the more hidden discounts you could be receiving.

• One Accident Forgiven – Some insurance companies allow you one accident without raising rates as long as you don’t have any claims for a certain period of time.
• Distant Student – Any of your kids who live away from home without a vehicle on campus may be able to be covered for less.
• Discount for New Cars – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
• Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying your policy online.
• Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
• Safe Drivers – Drivers who avoid accidents may save up to 50% more than less cautious drivers.
• Homeowners Pay Less – Owning a house in Marana may trigger a auto insurance policy discount because maintaining a house demonstrates responsibility.
• Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.
• Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
• 55 and Retired – If you’re over the age of 55, you may be able to get a discount up to 10%.

It’s important to note that many deductions do not apply to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of insurance companies who offer auto insurance discounts in Arizona, follow this link.

What coverages do I need?

When choosing the best auto insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. For example, these questions can help discover if your situation might need an agent’s assistance.

• How much underlying liability do I need for an umbrella policy?
• When would I need rental car insurance?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I need added coverage for expensive stereo equipment?
• Does my personal auto insurance policy cover using my vehicle for business use?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What can I do if my company won’t pay a claim?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Do the work, save more money

When shopping online for auto insurance, you should never buy less coverage just to save a little money. In too many instances, an insured cut comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

In this article, we covered many ways to reduce auto insurance prices online. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. You may even find the most savings is with a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

More tips and info about auto insurance can be read at the Arizona Department of Insurance website. Visitors are able to report car insurance fraud, find out industry alerts, and find a variety of consumer forms.

Other useful links include this page for auto insurance prices in Arizona and this resource to find Marana, AZ insurance agents.