Consumer Tested Strategies to Save on Carefree Auto Insurance

No one in their right mind likes having to buy auto insurance, especially knowing their premiums are too high.

With so many different company options, it is hard for the average consumer to pick the cheapest car insurance company.

Finding affordable coverage in Carefree is quite easy. If you currently have car insurance, you will most likely be able to cut costs considerably using this information. Nevertheless, Arizona vehicle owners do need to know the methods companies use to compete online because it can help you find the best coverage.

Automobile Insurance Quotes in Carefree, AZ

The are a couple different ways of comparing rate quotes from different Carefree insurance companies. The best method to find the lowest rates is to use the internet to compare rates. This can be done in several different ways.

The recommended way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating separate quote forms for each company. A single form will get you rate comparisons from many national carriers.
A less efficient way to shop for auto insurance online requires you to visit each individual company website to complete a price quote. For examples sake, let's assume you want to compare , and . You would have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

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

It's up to you which method you use, but make absolute certain that you use apples-to-apples coverage information with each company. If the quotes have unequal deductibles or liability limits you can't possibly make an equal comparison in Carefree. Quoting even small variations in coverage limits may result in a large different in cost. And when quoting auto insurance, remember that getting more free quotes provides better odds of finding the best offered rates.

Policy discounts you shouldn't miss

Auto insurance companies don't always publicize all available discounts very well, so we researched some of the best known and also the lesser-known savings tricks you should be using.

Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Student in College - Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
Payment Method - If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
Life Insurance - Larger companies have a break if you buy life insurance from them.
Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with discounted rates on garaged vehicles.

Consumers should know that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you could get a free auto insurance policy, companies don't profit that way.

To see a list of insurers who offer auto insurance discounts in Arizona, click here to view.

Insurance agents can help

When choosing the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's so your insurance should reflect that For example, these questions might point out whether your personal situation could use an agent's help.

Am I covered when driving on a suspended license?
Do I need PIP (personal injury protection) coverage in Arizona?
What are Arizona no-fault laws?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Are my tools covered if they get stolen from my vehicle?
What happens if I owe more than my vehicle is worth?
Am I covered if I wreck a rental car?

If you're not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

More tips and info about auto insurance is located at the Arizona Department of Insurance website. Arizona drivers can report car insurance fraud, read consumer alerts, read enforcement actions against agents and companies, and view a list of available companies.

Additional helpful sites include this page for Arizona auto insurance and this page for help finding agents in Carefree, AZ.