Sierra Vista Arizona Auto Insurance For Less Than You’re Paying Now

Beginners to comparison shopping online will find purchasing the lowest-priced Sierra Vista auto insurance quite difficult.

Compare the Market for Auto Insurance in Sierra Vista, Arizona

Performing a rate comparison can be a daunting task if you don’t know the most efficient way. You could waste time discussing policy coverages with insurance companies in Sierra Vista, or you can utilize the web to get prices fast.

Most major companies enroll in a system where insurance shoppers submit one quote, and every company then gives them pricing. This eliminates the need for form submissions to every company.

To use this form to compare rates click here to start a free quote.

The single downside to getting quotes like this is you cannot specify which providers to get pricing from. So if you prefer to pick specific providers for rate comparison, we put together a list of companies who write auto insurance in Arizona. Click here for list of insurance companies in Arizona.

It’s up to you which method you use, but ensure you’re using identical deductibles and coverage limits for each price quote. If you use different liability limits you can’t possibly make an equal comparison in Sierra Vista.

Do you really save 40% when you switch?

Arizona consumers can’t get away from ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies have a common claim that you’ll save big after switching to their company.

But how can every company make almost identical claims? It’s all in the numbers.

Different companies are able to cherry pick for the type of customer that makes them money. For example, a preferred risk could possibly be over the age of 40, owns a home, and drives newer vehicles. A driver who matches those parameters will get very good rates and therefore will save when they switch companies.

Drivers who don’t measure up to this ideal profile will be quoted a more expensive rate and ends up with business not being written. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully claim big savings.

This emphasizes why you absolutely need to get as many comparisons as possible. Because you never know which auto insurance company will provide you with the cheapest rates.

How much can you save with discounts?

Insuring your fleet can be pricey, but there could be available discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but lesser-known reductions have to be specifically requested before being credited. If you don’t get every credit possible, you are throwing money away.

• Discount for New Cars – Adding a new car to your policy is cheaper since new cars are generally safer.
• College Student – Children who are attending college and don’t have a car may qualify for this discount.
• Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
• Low Mileage – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
• Homeowners Discount – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
• Air Bag Discount – Cars that have air bags or automatic seat belts can get savings of 20% or more.

Drivers should understand that some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will reduce the amount you have to pay.

Much more information about auto insurance in Arizona is available on the Arizona Department of Insurance website found here. Arizona drivers can read consumer alerts, read industry bulletins, and learn about specific coverages.

Also read more on NAIC.org’s Understanding your Policy and this list of insurance agents in Sierra Vista.

Final considerations

Insureds who switch companies do it for many reasons like policy cancellation, denial of a claim, an unsatisfactory settlement offer and even delays in responding to claim requests. Whatever your reason, switching companies is easier than you think.

The cheapest auto insurance is available on the web as well as from independent agents in Sierra Vista, so compare prices from both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

As you go through the steps to switch your coverage, don’t be tempted to reduce needed coverages to save money. There have been many situations where an insured cut uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at an affordable rate while still protecting your assets.