9 Discounts Benson Drivers Forget when Quoting Car Insurance

Are you tired of scraping the payment together each month for car insurance? Your situation is no different than the majority of other car owners in Arizona.

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

Buying car insurance in Benson is easy if you know what you're doing. Basically, every vehicle owner who is required by state law to have car insurance will be able to save money. But Arizona consumers do need to know how insurance companies determine prices and take advantage of how the system works.

Compare Benson Car Insurance Costs

There are several ways to get quotes and find the best price. The recommended way to find the lowest rates is to use the internet to compare rates. This can be accomplished in several different ways.

The first (and easiest) way consumers can analyze rates is to use a rate comparison form click to view form in new window. This method keeps you from doing separate quote forms for each company. In just a few minutes this one form will return price quotes from many national carriers.

A more time consuming way to compare rate quotes consists of visiting each individual company website and complete a new quote form. For examples sake, we'll assume you want rates from , and . You would have to take the time to go to each site to enter your coverage information, and that's why the first method is more popular.

To view a list of companies in Benson, click here.

The least efficient way of comparing rate quotes is to drive around to insurance agents' offices. The ability to buy insurance online makes this process obsolete unless you have a need for the personal advice of a licensed agent. You can, however, compare the best prices online and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just ensure you're using identical deductibles and coverage limits on every quote. If you use different values for each quote it will be very difficult to make a fair comparison in Benson. Just a small difference in insurance coverages could mean much higher rates. And when price shopping your coverage, having more price comparisons helps you find better pricing.

Take advantage of discounts

Companies don't always publicize all available discounts very clearly, so here is a list both the well known and the harder-to-find car insurance savings.

  • Club Memberships - Being a member of a qualifying organization could qualify you for a break when buying car insurance.
  • No Claims - Claim-free drivers can earn big discounts when compared with frequent claim filers.
  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Save with a New Car - Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Drivers Education - Require your teen driver to enroll in driver's education in high school.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags may earn rate discounts of more than 20%.
  • One Accident Forgiven - Certain companies will allow you to have one accident without raising rates so long as you haven't had any claims for a certain period of time.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.

Consumers should know that most credits 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 you could get a free car insurance policy, companies don't profit that way.

For a list of insurers with the best car insurance discounts in Arizona, follow this link.

More detailed Arizona car insurance information is available at the Arizona Department of Insurance website. Visitors are able to find out which companies have the most complaints, read industry bulletins, view a list of available companies, and view agent and company licensing information.

Other useful links include this link for Arizona car insurance quotes and this link which helps you find a Benson agent.

Affordable insurance is out there

Discount car insurance is possible both online in addition to many Benson insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, make sure you don't reduce needed coverages to save money. In too many instances, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.