Buy Cheap Camp Verde Auto Insurance

Overpriced auto insurance can overdraw your savings account and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to cut your insurance bill.

Consumers have many to buy insurance from, and although it's a good thing to have a choice, it can be more difficult to compare rates.

It's important to compare rates on a regular basis because prices are constantly changing. Even if you got the best deal a year ago you may be paying too much now. Starting now, ignore everything you know about auto insurance because you're going to get a crash course in the only way to properly buy coverages and cut your premium.

How to Lower Your Auto Insurance Cost in Camp Verde, Arizona

The are a couple different ways of comparing price quotes from local Camp Verde auto insurance companies. The recommended way to find competitive insurance rates is to get quotes online. This can be accomplished using a couple different methods.

The first (and easiest) way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This form prevents you from having to do repetitive form submissions for every auto insurance company. One form submission compares rates from multiple companies.

A more difficult way to shop for auto insurance online is going to each company's website to complete their respective quote request forms. For sake of this example, let's assume you want comparison quotes from , and . To get rate quotes you would need to spend time on each company's site and enter your information, which is why the first method is quicker.

For a list of links to companies insuring cars in Camp Verde, click here.

The hardest way to compare rates is driving around to local insurance agencies. Buying insurance online makes this process obsolete unless you want the professional advice of a local agent. Drivers can compare the best prices online but buy from a local insurance agent. We'll cover that shortly.

It doesn't matter which method you choose, just ensure you are comparing identical coverage limits and deductibles on every quote you get. If you enter different liability limits you can't possibly determine which rate is truly the best in Camp Verde. Having just a slight variation in limits may result in a large different in cost. Just remember that getting more free quotes helps locate the best rates.

You have some control over your rates

It's important that you understand the rating factors that go into determining the price you pay for auto insurance. Knowing what influences your rates enables informed choices that may reward you with lower auto insurance prices.

Listed below are some of the factors auto insurance companies consider when setting rates.

Older drivers save more - Teen drivers in Arizona are statistically proven to be more careless when driving so they pay higher auto insurance rates. Adding a young driver to your auto insurance policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Battle of the sexes - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Women and men have accidents at about the same rate, but the males cause more damage. They also have more aggressive citations such as DWI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
How many coverages with the same company - Most auto insurance companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it's still a good idea to shop around to ensure the best deal.
Being married can save on auto insurance - Being married can actually save you money on your auto insurance policy. It means you're more mature and statistics show married drivers get in fewer accidents.
High deductibles save money - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply could be collision with another vehicle, damage caused by hail, or theft. Physical damage deductibles are how much you are willing to pay if you file a covered claim. The more money you are required to pay out-of-pocket, the bigger discount you will receive.
Please use or commuting - The more miles you rack up on your car in a year's time the more you will pay for auto insurance. Most insurance companies apply a rate based on their usage. Autos left parked in the garage can get a lower rate compared to those used for work or business. Make sure your auto insurance policy shows how each vehicle is driven, because it can save money.

Policy discounts you shouldn't miss

Auto insurance companies don't always publicize all their discounts very clearly, so here is a list both well-publicized and also the lesser-known ways to save on auto insurance.

College Student - Any of your kids who live away from home and do not have a car can receive lower rates.
Accident Waiver - Certain companies allow you one accident without raising rates as long as you don't have any claims prior to the accident.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
Sign Online - Certain companies will discount your bill up to fifty bucks just for signing your application over the internet.
Multi-car Discount - Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.

Keep in mind that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way.

For a list of companies offering auto insurance discounts in Arizona, click this link.

Additional detailed information is available at the Arizona Department of Insurance website. Arizona consumers can read enforcement actions against agents and companies, learn about insurance regulations, read consumer alerts, and get help finding coverage.

Affordable insurance is out there

While you're price shopping online, never reduce needed coverages to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. Your aim should be to purchase a proper amount of coverage at the best price.

Affordable auto insurance can be found online and also from your neighborhood Camp Verde agents, so you should compare both to have the best selection. Some companies may not provide online quoting and most of the time these smaller companies sell through independent agents.