Tightwads Guide for Saving on Bisbee Auto Insurance

Nobody looks forward to paying for auto insurance, in particular when the cost is way too high. Big companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with TV and radio ads and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

If you have a current auto insurance policy or are shopping for new coverage, you can learn to find better prices and possibly find even better coverage. Finding the best rates in Bisbee is quite easy. Arizona drivers only need an understanding of the proper methods to shop for auto insurance over the internet.

These discounts can lower your rates

Companies offering auto insurance don't list all available discounts in a way that's easy to find, so we took the time to find both well-publicized and also the lesser-known auto insurance savings. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Driver Safety - Completing a course in driver safety can save you 5% or more if you qualify.
  • Good Student - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Save over 55 - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • Discount for Life Insurance - Larger companies have better rates if you take out a life insurance policy as well.
  • Fewer Miles Equal More Savings - Fewer annual miles can earn lower rates on the low mileage vehicles.

It's important to understand that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like you can get free auto insurance, it doesn't quite work that way.

auto insurance in Bisbee

Different people need different coverages

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won't apply. For instance, these questions may help highlight whether you might need professional guidance.

  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in Arizona?
  • Should I buy additional glass protection?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when driving on a suspended license?
  • When does my teenage driver need to be added to my policy?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies. It's fast, doesn't cost anything and you can get the answers you need.

Are you falling for claims of savings?

Arizona consumers get pounded daily by advertisements for cheaper car insurance by 21st Century, Allstate and State Farm. All the companies say the same thing of big savings after switching to their company.

How can each company make almost identical claims? It's all in the numbers.

All companies have a certain "appetite" for the driver that earns them a profit. For example, a profitable customer could possibly be between 30 and 50, a clean driving record, and has a short commute. A customer getting a price quote who fits that profile will get very good rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements must pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads say "customers who switch" not "everybody who quotes" save that much. That is how insurance companies can confidently make the claims of big savings. This illustrates why you should get a wide range of price quotes. It's impossible to know which company will fit your personal profile best.

More tips and info about auto insurance can be found at the Arizona Department of Insurance website. Arizona consumers can discover disciplinary actions, file complaints about a company, learn about insurance regulations, and view a list of available companies.

Arizona auto insurance

A tidy conclusion

Low-cost auto insurance can be bought online and also from your neighborhood Bisbee agents, so compare prices from both to get a complete price analysis. Some insurance providers may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

You just read a lot of tips how to reduce auto insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the best prices are with some of the smallest insurance companies. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as .

As you shop your coverage around, it's not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.