Tightwads Instructions on Saving on Douglas Auto Insurance

Sick and tired of not being able to afford each month for car insurance? You are no different than many other Arizona drivers. Lots of contend for your hard-earned dollar, so it's not easy to compare every and uncover the absolute lowest price

If you are insured now or need new coverage, you can learn to find better prices while maintaining coverages. Finding affordable coverage in Douglas is quite easy. Arizona drivers only need an understanding of the best way to compare rates online.

Policy discounts you shouldn't miss

Auto insurance companies don't always list every discount in an easy-to-find place, so here is a list both the well known and the harder-to-find ways to save on auto insurance. If they aren't giving you every credit available, you are throwing money away.

No Accidents - Claim-free drivers can earn big discounts when compared to drivers who are more careless.
Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
Paperwork-free - Some insurance companies may give you up to $50 simply for signing on their website.
One Accident Forgiven - A few companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
Auto/Life Discount - Larger companies have lower rates if you buy life insurance from them.
Service Members Pay Less - Having a family member in the military can result in better rates.

Consumers should know that most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. So when it seems like you could get a free auto insurance policy, companies don't profit that way.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the rating factors that come into play when calculating the rates you pay for auto insurance. Understanding what determines base rates enables informed choices that will entitle you to better auto insurance rates.

Rates may be lower depending on your job - Careers like doctors, executives and accountants tend to have higher rates than average in part from job stress and long work hours. On the flip side, occupations like farmers, athletes and the unemployed receive lower rates.
Small claims can cost you - If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Companies in Arizona give better rates to policyholders who are claim-free. Car insurance is intended for major claims that would cause financial hardship.
Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
Protect your assets with liability insurance - The liability section of your policy will protect you when you are found liable for causing damage or personal injury in an accident. It provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
Discounts for married couples - Being married actually saves money on your auto insurance policy. Having a significant other means you're more mature and responsible it has been statistically shown that drivers who are married are more cautious.
Lower miles equals lower premium - The more you drive every year the higher your rate. Most insurance companies charge to insure your cars determined by how the vehicle is used. Autos that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance policy is showing the correct driver usage, because it can save money.
High crash test scores lower rates - Safer cars tend to have better insurance rates. The safest vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.

Save $429 a year? Really?

Consumers in Arizona get pounded daily by advertisements for the lowest price auto insurance by Progressive, Allstate and GEICO. They all make the same claim of big savings if you move to their company.

How do they all claim to save you money? This is how they do it.

Different companies can use profiling for the driver that earns them a profit. An example of a driver they prefer might be between the ages of 40 and 55, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will be quoted more money which leads to the customer not buying. The ads say "drivers who switch" but not "drivers who get quotes" save that much. That's why insurance companies can confidently advertise the way they do. This emphasizes why drivers should quote coverage with many companies. It's impossible to know the company that will provide you with the cheapest rates.

More tips and info about auto insurance is available at the Arizona Department of Insurance website. Visitors are able to read industry bulletins, download brochures, view a list of available companies, and find out which companies have the most complaints.

And the best car insurance company is...

Cost effective auto insurance is possible both online and also from your neighborhood Douglas agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

When shopping online for auto insurance, never skimp on coverage in order to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.