Best Way to Find Cheap Anthem Car Insurance

Searching for the most affordable Anthem car insurance over the internet may be somewhat difficult for consumers new to shopping for insurance online. With so many choices of insurers to choose from, how can consumers even start to compare the different rates to find the cheapest available price?

Finding affordable coverage in Anthem is easy if you know what you're doing. In a nutshell, anyone who is required by state law to have car insurance will be able to save money. But Arizona consumers do need to know the way insurance companies determine prices and apply this information to your search.

You have some control over your rates

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for car insurance. Knowing what controls the rates you pay enables informed choices that could result in big savings.

Do you need the policy add-ons? - There are a lot of add-on coverages that you can get tricked into buying when buying car insurance. Coverages for vanishing deductibles, accidental death and term life insurance may be costing you every month. They may seem like a good idea initially, but if they're wasting money eliminate them to save money.
Where do you drive? - The more you drive in a year's time the more you'll pay to insure your vehicle. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your car insurance policy shows the correct driver usage.
Car features impact rates - Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
Teen drivers pay high rates - Youthful drivers in Arizona tend to get distracted easily when driving so they pay higher car insurance rates. Having to add a youthful driver to your car insurance policy can be quite pricey. More mature drivers are more responsible, file fewer claims and are safer drivers.
One company can mean more discounts - The majority of insurers will award you with lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to comparison shop to ensure the best deal.

Compare Car Insurance Today

Shopping for lower car insurance rates can be a daunting task if you don't understand the best way to get rate quotes. You can spend your afternoon talking to insurance agencies in Anthem, or you could use online quotes to quickly compare rates.

Most of the larger companies belong to an insurance system that allows shoppers to enter their policy data once, and at least one company provides a quote for coverage. This saves time by eliminating quote forms for each company you want a rate for.

To submit your quote information now, click here to open in new window.

One minor caviat to using this type of system is you are unable to specify which providers to get pricing from. If you wish to select specific insurance companies to compare, we have a page of companies who write car insurance in Arizona. View list of Arizona insurance companies.

It's your choice how you get your quotes, but make sure you use identical deductibles and coverage limits on every quote. If you use different values for each quote then you won't be able to make a fair comparison in Anthem. Quoting even small variations in insurance coverages may result in a large different in cost. And when comparing car insurance rates, know that getting more free quotes helps locate better pricing.

How much can you save with discounts?

Companies don't list all available discounts very clearly, so we took the time to find both the well known and also the lesser-known savings tricks you should be using.

Defensive Driving Course - Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
Save with a New Car - Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
Student in College - Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
Service Members Pay Less - Being on active duty in the military can result in better rates.
Own a Home - Owning a home in Anthem can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
Passive Restraints - Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.
Drivers Education - Cut your cost by having your teen driver enroll in driver's education in high school.
Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.

Consumers should know that most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies don't profit that way.

To choose insurers with the best car insurance discounts in Arizona, click here to view.

Save 15 percent in 15 minutes? Is it for real?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies make an identical promise that you'll save big if you move to their company. How does each company claim to save you money? It's all in the numbers.

All the different companies have a preferred profile for the driver that makes them money. For example, a profitable customer might be a mature driver, has no prior claims, and drives less than 10,000 miles a year. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't meet these standards must pay higher rates and ends up with the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that much. This is how companies can advertise the way they do. This illustrates why you need to get a wide range of price quotes. You cannot predict which insurance companies will provide you with the cheapest rates.

How much car insurance do I need?

When buying the right insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Every situation is different.

For example, these questions can help discover if your insurance needs would benefit from professional advice.

Should I rate my vehicle as pleasure use or commute?
Who is covered when they drive my vehicle?
What can I do if my company won't pay a claim?
Why does it cost so much to insure a teen driver in Anthem?
Do I pay less if my vehicle is kept in my garage?
Am I covered when pulling a rental trailer?
When do I need to add a new car to my policy?

If you're not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

More detailed Arizona car insurance information can be found at the Arizona Department of Insurance website. Visitors are able to discover disciplinary actions, file complaints about an insurance agent or broker, and view a list of available companies.

Affordable insurance is out there

Discount car insurance is possible both online and also from your neighborhood Anthem agents, and you need to price shop both to get a complete price analysis. Some car insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

People who switch companies do it for a variety of reasons including delays in responding to claim requests, delays in paying claims, unfair underwriting practices or even not issuing a premium refund. It doesn't matter what your reason, finding a new car insurance company is easier than you think.