The Best Car Insurance Quotes In Arizona

Thursday, October 18, 2018

Real Quotes For Saving On Car Insurance

 

Arizona is a state full of wonder and exploration. Many people choose to live here for the weather, economy and beauty.

Others choose to pass through on road trip adventures to the Grand Canyon or forests of Flagstaff.

The reasons to live here are abundant. But what about saving money on your car insurance?

How does Arizona match up against other states when it comes to getting the best deals?

We can explore this easily with real quotes from quote generators online.

A quick and easy process, more and more people are choosing to do their own homework when it comes to finding rates on car insurance.

Now you can as well. Getting the cheap car insurance Arizona residents need is at your fingertips.

The best part about looking for car insurance through an online process, is that you can do this anytime and anywhere.

Using websites like thegeneral.com and even the Cheap Insurance website can really help you get a better idea of what to expect.

We can investigate that more now by looking at some real quotes generated in different cities in Arizona.

 

Get Ready, Set, Go!

 

Hold on one minute.

Before you get started with any research process, you need to know what is expected of you.

For example, every state has their own laws when it comes to car insurance.

Arizona has minimum requirements for those of us out driving on the road.

You may also have stipulations with the bank that holds the loan on your car.

Most of the time, you will need full coverage when you don’t own your vehicle outright.

Arizona requires more than some states. You should also be aware of the fines you may face when you don’t carry car registration on you.

If you are pulled over, you will want to have all of your paperwork in order.

Rule of thumb: always have your car registration and car insurance paperwork in your glove box.

Let’s take a look at the basics, before we get into the details.

 

The requirements of the great state of Arizona are this:

 

  • Bodily Injury Coverage with a minimum of $15,000 per person and $30,000 per accident.
  • Property Damage Liability Coverage at a minimum of $10,000
  • Uninsured Motorist Bodily Injury Coverage of at least $15,000 per person and $30,000 per accident.
  • Underinsured Motorist Bodily Injury Coverage at a minimum of $15,000 per person and $30,000 per accident.
  • There is more insurance you can add if desired.
  • The above insurance only covers the other party involved in a crash.

There is more you will need if you have a loan on your vehicle.

 

Here is what full coverage looks like:

  • Collision insurance which will cover your car and yourself in an accident
  • Comprehensive coverage will pay for theft of a vehicle as well as other minor damages not incurred in an accident.
  • Towing and Roadside Assistance are great features you can add to your insurance policy.

You may also qualify for discounts. Ask your local agent or call us at Cheap Insurance today to find out more.

  • The number of licensed drivers in the state is 4.7 million as of 2012.
  • There were over 104,000 automobile crashes in Arizona during 2011.
  • Despite the state’s auto insurance requirements, around 12% of drivers are still uninsured. This is one of the largest contributing factors to insurance costs.

 

Getting The Quote You Deserve

 

Now let’s dive into some real quotes and what they mean for you.

We will take a look at both a male and female driver in the state of Arizona.

Our drivers will be put into situations where they live in different cities in Arizona, this way you can get a sense of how where you live affects your rates.

There are many other things that can affect your rates.

 

Here are a few:

  1. age
  2. marital status
  3. type of car you drive
  4. age of car
  5. size of car engine
  6. zip code
  7. your age
  8. accidents you have been in and why
  9. DUI’s or revoked license
  10. mileage

 

Our First Driver

 

  • Our first driver is a female who lives in Phoenix, Arizona. She is 33 and single. Her driving record is perfect and has never been in an accident. This driver has been insured for ten years. She drives a 2017 Hyundai Accent and puts about 15 thousand miles a year on her car.
  • Getting the car insurance in Phoenix that you want is easy when you use a quote generator from The General.In 2011 the Phoenix-Mesa area had an average of 2 million commuters on the road during peak traffic hours each day, resulting in 35 total hours of delay per driver each year. Here is what we were able to find for our female driver from Phoenix.
  • She will pay about $1305 a year for full coverage car insurance. This is a great deal compared to rates in other states. Arizona is one of the safer states to drive in. And even though Phoenix has traffic and can get congested, we will not see the high rates here. Monthly her payments will come out to $108 a month. Paying of the loan on her car would significantly drop this price.

 

Scottsdale

 

  • Scottsdale is a nice, up-scale community full of life. It is not a metropolis like Phoenix however. How will this save our female drive in costs? When we move this person to Scottsdale, we see a price drop in her full coverage insurance. Getting the car insurance in Scottsdale that you want is not a gamble. In fact, it is a safe and reliable option for you and others out on the road. The fact is that having insurance in Arizona is the law.
  • When we used our real quote generators from our friends at The General we were able to obtain a great deal for our driver. She will pay $1225 a year for full coverage. This comes out to $102 a month! If our driver were to bundle this with her renters or homeowners insurance, she could save even more.
  • This tactic is called bundling and many people choose to do this. It means that you have multiple policies with one insurance company and you will be rewarded for it.

 

Yuma

 

  • Yuma, Arizona is much different than the two cities before. Not a large city and not an upscale suburb, Yuma has a population of 90 thousand residents. This blast from the past has a laid back feel and is most certainly out of the way. This does make it safer to drive here.
  • Our female driver was yet again moved into a different zip code so that we can see what her rates look like. Having a great driving record really helps with her rates. A couple of other ways her demographics could help with her rates would be getting married or driving less each year. For those who don’t drive very much and put low miles on their cars, there are mileage based insurance programs.
  • Our female driver will spend $1190 a year on car insurance for her Hyundai. This comes out to $99 a month! That is a low rate for having full coverage. Adding discounts will also help her rates drop. Car insurance in Yuma seems to be a great investment!

 

Our Second Driver

 

  • Now let’s take a look at how being a male driver in Arizona can affect rates. Males tend to pay more for their car insurance on average. Making sure you keep a clean driving record will help. Our male driver is 33 and single. He drives about 12 thousand miles a year and has never had an accident. He has been insured for 13 years. The car he drives now is a 2013 VW Jetta. He does still have a small loan out for this car but soon it will be paid off and his rates will drop if he chooses to only obtain the minimum amount of car insurance. For now, he needs full coverage.
  • This driver currently lives in Tucson, Arizona. With a population of over 500 thousand residents, it is a large town that stands on its own. The second largest city in Arizona, many people come to Tucson for the school and community feel. With a city this large, and a community with a University, you can bet there is a lot going on. There are thousands of drivers out on the roads at one time. This adds to the danger of driving. Getting car insurance in Tucson may be cheaper than you would expect.
  • This male driver was able to obtain great quotes from The General. His annual costs will be $1399 a year for his full coverage. This equals $116.50 a month in bills. When he pays off his car he will see this rate drop to under $100 a month.

Mesa

 

  • Mesa, Arizona is a town full of life. When we move our male driver to a town such as Mesa, what happens? Mesa is almost as large as Tucson. With 450 thousand residents, it will stand out in the same ways as Tucson. The only difference is that Mesa is located very close to Phoenix. This means that the overall amount of people on the road is much higher than Tucson. Driving here is more dangerous because more people commute.
  • Mesa contains all of the great things that a large city has to offer. One of these unfortunately is traffic, congestion on the road and higher theft rates. When our male driver moves to this zip code his rates increase. He will pay $1415 a year. This comes out to almost $118 a month. Even though this rate is not outrageous, it’s higher than the last two cities.
  • For this driver to obtain better rates on his car insurance, he needs to ask a broker about discounts. We all qualify for one discount or another. He may be able to obtain a good driver discount. If he could cut his driving mileage down he could also save. Car insurance in Mesa is more expensive than one might think. But living in the city comes at a cost.

 

You can see that the male in this scenario did end up paying a little bit more in the end.

Even with a good driving record, there are some things going against him.

First of all he is single, and this matters to an insurance company.

Being married means more of a chance that you will drive carefully to make it home to your spouse.

 

Discounts And Other Ways To Save

 

 

When you are really hoping to shed some pennies from your car insurance rates, the best thing to do is talk with a broker.

This means calling Cheap Insurance and talking with a helpful representative who understands the insurance market.

You can ask questions and get details about your policy.

Another way to save is by bundling.

  • Bundling is coverage that includes multiple policies such as auto and homeowners insurance that are combined to save the consumer on premium costs.

Many companies reward loyalty. So staying with them for years will eventually pay off.

Bundling all of your insurance policies with one company can really help your rates.

  • Know what documents you may need. It is always a good idea to have a copy of your drivers license and your driving record. If you have taken any drivers safety courses, having a copy of this for your agent may be helpful as well. You could also go as far as having a new copy of your credit score. Credit does play a part in purchasing auto insurance.

 

Here are some discounts you might be able to qualify for:

 

Discounts for safety courses taken- taking a safety course can help your premiums go down because it proves that you are a safe driver.
Marital discounts
Good driver discounts- having a driving record which shows safe driving and responsible skills will only help you when shopping for insurance.
Multi-car discounts- Not only having multiple cars can help, but the types of cars your family drives could save you.
Multi-policy discounts- You may want to consider getting homeowners insurance, motorcycle insurance, car insurance, SR22 insurance and much more from the same insurance company.
Association discounts
Education discounts
Occupation discounts- Depending on what kind of job you have and how far you need to commute for that job could make a difference in your policy choice and price.
Excess vehicle discounts
Mileage discounts- Keeping low miles on your vehicle should keep your premiums lower.

 

Other helpful tips:

  1. Always review your policy. Make sure it has all of the insurance you want. Read through your documents and make notes of anything you may not understand or need changed.
  2. After you attain your auto insurance, make sure that you always keep proof of that insurance with you. You can put it in your glove box or a secure storage inside of your car. Having this in your vehicles at all times is the law.
  3. If you are looking to purchase a car, think about how much the insurance may cost you on a V12 convertible versus a V6 Toyota Corolla. You may be surprised how much more expensive a large engine can be.

 

Get the best rates you can by locating a real quote generator online.

You can never research too much!

 

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