Top 8 Ways to Pay Less on Auto Insurance in Gilbert

Nobody likes paying for auto insurance, especially when the cost is too high. Companies like State Farm, Farmers Insurance, GEICO and Allstate continually hit you with ad campaigns and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

If you are insured now or are shopping for new coverage, you can use these tips to reduce the price you pay while maintaining coverages. Finding affordable coverage in Gilbert is easy if you know what you’re doing. Arizona drivers just need to learn the tricks to compare rates on the web.

Where Can I Get Cheap Gilbert Auto Insurance?

Comparing auto insurance rates can take hours if you don’t know the easiest way. You can waste a lot of time driving to local insurance agents in Gilbert, or you could save time and use online quoting to get rates in a matter of minutes.

The majority of car insurance companies enroll in a system that allows shoppers to submit one quote, and each participating company can provide price quotes. This eliminates the need for quote forms for each company.

To fill out one form to compare multiple rates now click to open in new window.

The single downside to comparing rates this way is you are unable to specify which companies to get pricing from. So if you want to select individual companies to compare rates, we have a page of auto insurance companies in Arizona. Click to view list.

Whichever way you use, ensure you’re using identical coverages with every price quote. If each company quotes different limits and deductibles on each one you will not be able to make a fair comparison in Gilbert.

Discounts are available to cut your rates

Companies do not advertise all available discounts very well, so we took the time to find both well-publicized and the more hidden ways to save on auto insurance. If you don’t get every credit you deserve, you are paying more than you should be.

  • Senior Discount – Mature drivers can possibly qualify for reduced rates.
  • Defensive Driver – Taking a driver safety course could possibly earn you a 5% discount if you qualify.
  • E-sign – A few companies may give you up to $50 for buying a policy and signing up digitally online.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Fewer Miles Equal More Savings – Fewer annual miles could qualify for discounted rates on garaged vehicles.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of insurance companies who offer auto insurance discounts in Gilbert, click here.

Are insurance agents obsolete?

Certain consumers prefer to get advice from a local agent and that is just fine! Insurance agents can point out coverage gaps and help file insurance claims. The biggest benefit of comparing insurance prices online is the fact that you can find lower rates but still work with a licensed agent.

After completing this simple form, your insurance data gets sent to companies in Gilbert who will give you bids for your coverage. There is no need to visit any agencies as quotes are delivered to the email address you provide.

Selecting an insurer should depend on more than just a low price. Any agent should be forthright in answering these questions:

  • How long has their agency been in business in Gilbert?
  • Can they provide you with a list of referrals?
  • Is the agency involved in supporting local community causes?
  • How much will you save each year by using a higher deductible?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Do they regularly work with personal auto policies?
  • Which members of your family are coverage by the policy?

Types of car insurance agents in Gilbert

When looking for a reliable agent, there are two types of agencies from which to choose. Agencies in Gilbert are either captive or independent. While both can do a good job, but it’s important to know the differences because it can influence buying decisions.

Captive Insurance Agents

This type of agents work for only one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to place coverage with different providers so they have to upsell other benefits. Captive agencies are trained well on the products they sell which can be an advantage.price insurance in Gilbert

The following is a list of captive agencies in Gilbert who can help you get comparison quotes.

State Farm Insurance – 3921 E Guadalupe Rd # 12 – Gilbert, AZ 85234 – (480) 633-0324
American Family Insurance – 1400 N Gilbert Rd # D – Gilbert, AZ 85234 – (480) 892-4228
Liberty Mutual – 3303 S Lindsay Rd – Gilbert, AZ 85296 – (480) 503-4200
Allstate Insurance Co – 1140 N Gilbert Rd # 110 – Gilbert, AZ 85234 – (480) 926-0066
Farmers Insurance Group – 70 S Val Vista Dr # A3 – Gilbert, AZ 85296 – (480) 633-6188
Farm Bureau Insurance – 1458 W Bahia Ct – Gilbert, AZ 85233 – (480) 929-2725

Independent Insurance Agents

Independent agencies are not required to write business for one company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent. When searching for an agent, it’s recommended you get quotes from several independent insurance agents for the best price selection.

The following are independent agencies in Gilbert who can help you get rate quotes.

Stafford Agency – 3011 S Lindsay Rd # 102 – Gilbert, AZ 85296 – (480) 325-6474
Brewer-Lloyd Insurance Group – 2915 E Baseline Rd – Gilbert, AZ 85234 – (480) 497-2406
Olga Kieran Agency – 28 W Juniper Ave # 202 – Gilbert, AZ 85233 – (480) 840-3500
Insurance Services Of America – 1757 E Baseline Rd # 126 – Gilbert, AZ 85233 – (480) 821-9052
Everett Cook Agency Inc – 633 E Ray Rd – Gilbert, AZ 85296 – (480) 830-3825

To view a complete directory of Gilbert insurance agents, visit this site.

After getting acceptable answers to these questions and an acceptable price quote, you have narrowed it down to an auto insurance agent that will properly service your auto insurance policy. Keep in mind policyholders can cancel your policy whenever you wish so never assume you are locked into any specific agency for any length of time.

Will just any policy work for me?

When it comes to choosing coverage, there is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions could help you determine if your situation will benefit from professional help.

  • When should I drop full coverage on my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I drive in a foreign country?
  • Why does it cost so much to insure a teen driver in Gilbert?
  • Should I buy additional glass protection?
  • Are split liability limits better than a combined single limit?
  • What are the best liability limits?
  • When would I need rental car insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages available from auto insurance companies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your vehicle.

Because many people only carry the minimum required liability limits (which is 15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, sustaining damage from a pot hole, crashing into a building, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

price insurance in Gilbert

Comprehensive coverage pays for claims like damage from flooding, hitting a deer, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like pain medications, nursing services, ambulance fees and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as medical expenses, pain and suffering and court costs. How much coverage you buy is up to you, but buy as high a limit as you can afford. Arizona state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry more liability than the minimum.

Even more information is available at the Arizona Department of Insurance website. Arizona consumers can file complaints about a company, find a variety of consumer forms, and find out which companies have the most complaints.

Also read more on this site for auto insurance information in Arizona and this page where you can research Gilbert insurance agents.

The best insurance company isn’t always the cheapest

We’ve covered quite a bit of information on how to save on auto insurance. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as GEICO and State Farm.

As you shop your coverage around, do not buy poor coverage just to save money. There have been many cases where drivers have reduced collision coverage only to regret they didn’t purchase enough coverage. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Cheap auto insurance can be bought online and also from your neighborhood Gilbert agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.