Getting Cheap Avondale Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, there are a lot of people in Avondale just like you who feel imprisoned by their auto insurance policy.

There is such a variety of to pick from, and although it's nice to have multiple companies, so many choices can make it hard to compare rates.

It's important to get comparison quotes at least once a year since insurance rates are constantly changing. Even if you think you had the best price last year a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate how to quote online to buy cheaper auto insurance.

More discounts equal less premium

Companies that sell car insurance don't always publicize all their discounts very clearly, so we took the time to find some of the best known and the harder-to-find savings tricks you should be using.

Sign Online - A few companies give back up to $50 just for signing your application over the internet.
Drive Less and Save - Low mileage vehicles can earn discounted rates on garaged vehicles.
Safety Course Discount - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
New Vehicle Savings - Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.

Keep in mind that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, it just doesn't work that way.

Understand what determines the rate you pay

Smart consumers have a good feel for the different types of things that play a part in calculating auto insurance rates. Knowing what influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.

Pay less after the wedding - Having a spouse helps lower the price on your policy. It usually means you are more mature it has been statistically shown that being married results in fewer claims.
Safer cars are cheaper to insure - Vehicles with high crash test scores can get you lower premiums. These vehicles have better occupant injury protection and better occupant protection means lower claim amounts and thus lower rates.
Do you need those extra coverages? - There are quite a few extra coverages that you can buy if you aren't careful. Coverages for personal injury protection, towing coverage and membership fees may be costing you every month. These coverages may sound good when talking to your agent, but your needs may have changed so eliminate them to save money.
Drive less and save money - The higher the mileage driven in a year the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage based on their usage. Cars and trucks used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance declarations sheet shows the correct usage for each vehicle.
Claim-free discounts can add up - Car insurance companies in Arizona award lower rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the large, substantial claims.
Your stress level may be raising your rates - Jobs such as lawyers, business owners and financial analysts are shown to have higher average rates in part from high stress and long work days. Conversely, jobs such as actors, engineers and retirees pay the least.
Do you have enough liability coverage? - Your policy's liability coverage provides coverage if ever a jury decides you are liable for damages caused by your negligence. Liability insurance provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.

Switch companies and save? Really?

Auto insurance companies such as State Farm, GEICO and Progressive consistently run ads in print and on television. They all seem to make an identical promise that you can save if you change your policy. How does each company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the right customer that earns them a profit. For example, a desirable insured might be profiled as between 30 and 50, has no tickets, and has great credit. A propective insured who meets those qualifications will get very good rates and therefore will save when switching.

Consumers who do not match these standards will have to pay higher rates and ends up with business not being written. The ads say "drivers who switch" not "everyone that quotes" save that kind of money. That's the way insurance companies can advertise the savings. Because of the profiling, drivers should get quotes from several different companies. It's not possible to predict which auto insurance company will give you the biggest savings.

Find out more about auto insurance

Additional detailed information can be found at the Arizona Department of Insurance website. Arizona drivers can get help finding coverage, find disaster information, discover disciplinary actions, and file complaints about an insurance agent or broker.

Also read more on this page for Arizona auto insurance and see this list of insurance agents in Avondale.

Do the work, save more money

Affordable auto insurance is attainable on the web in addition to many Avondale insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, make sure you don't skimp on coverage in order to save money. In many cases, an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to find the BEST coverage for the lowest price.