Easy Ways to Save Money on Buckeye Auto Insurance

Are you overwhelmed by the number of auto insurance companies in Buckeye? Many other consumers are too. There are so many companies to choose from that it can turn into a real challenge to compare prices.

It's important to price shop coverage at least once a year since insurance rates are constantly changing. Even if you got the best deal on your last policy a different company probably has better rates today. So just block out anything you think you know about auto insurance because it's time to teach you the proper way to lower your annual insurance bill.

More discounts equal less premium

Companies offering auto insurance don't always list every available discount very well, so here is a list some of the best known and also the lesser-known auto insurance savings.

  • Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Driver Safety - Taking a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Multi-policy Discount - If you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to take driver's ed class if it's offered in school.
  • Military Discounts - Having a deployed family member may qualify for rate reductions.

As a disclaimer on discounts, most credits do not apply the the whole policy. Most only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free auto insurance policy, auto insurance companies aren't that generous.

Arizona auto insurance

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for some of the elements that help determine auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get better auto insurance rates.

  • Traffic citations inflate rates - Your driving record has a big impact on rates. Even a single speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records get better rates compared to drivers with tickets. Drivers who get flagrant violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Do you need the policy add-ons? - There are a ton of extra coverages you can purchase if you aren't careful. Things like personal injury protection, better glass coverage and membership fees are examples of these. These may sound like a good investment initially, but your needs may have changed so remove them from your policy.
  • Big city or small town - Choosing to live in a small town has it's advantages when buying auto insurance. City drivers tend to have congested traffic and longer commutes to work. Fewer people means reduced accidents and also fewer theft and vandalism claims.
  • More than one policy can earn a discount - Many companies give discounts to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to compare other company rates to confirm you are receiving the best rates possible. You may still find a better deal by insuring with multiple companies.
  • Small claims can cost you - Insurance companies in Arizona provide discounts to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the large, substantial claims.
  • Drive a safer car and pay less - Safer cars are cheaper to insure. Safer cars have better occupant injury protection and better occupant protection means lower claim amounts passed on to you as lower rates.
  • Where do you drive? - Driving more miles in a year the higher your rates will be. The majority of insurers price each vehicle's coverage based upon how you use the vehicle. Vehicles that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your auto insurance coverage properly reflects the proper vehicle usage, because it can save money.

Switch companies and save? Really?

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads say the same thing about savings after switching your policy. But how can every company say the same thing? It's all in the numbers.

Different companies are able to cherry pick for the right customer that earns them a profit. An example of a preferred risk might be profiled as between 30 and 50, has no tickets, and has great credit. A propective insured who fits that profile will get the preferred rates and therefore will save a lot of money.

Consumers who do not match this ideal profile will be charged higher prices which usually ends up with business not being written. The ads state "customers who switch" not "everyone that quotes" save that kind of money. That's the way companies can truthfully advertise the savings. That is why drivers should get a wide range of price quotes. It's not possible to predict which auto insurance company will fit your personal profile best.

Even more information is available at the Arizona Department of Insurance website. Arizona drivers can file complaints about a company, discover disciplinary actions, and view agent and company licensing information.

Also read more on NAIC.org's Understanding your Policy and this directory of Buckeye insurance agents.

auto insurance in Buckeye

Affordable insurance is out there

In this article, we covered a lot of tips how to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may even discover the best prices are with some of the smallest insurance companies.

Cheap auto insurance can be purchased on the web in addition to many Buckeye insurance agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

When you buy insurance online, do not skimp on coverage in order to save money. There have been many cases where an insured dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.