Tightwads Instructions on Saving on Chino Valley Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, you're not alone. Lots of contend to insure your vehicles, so it can be very hard to choose a and get the definite lowest price

It's important to do rate comparisons every six months due to the fact that insurance rates are constantly changing. Even if you got the best price a few years ago a different company probably has better rates today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to the tricks you need to know to properly buy coverages while reducing your premium.

Policy discounts you shouldn't miss

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Certain discounts will be applied when you quote, but less common discounts must be manually applied before you get the savings. If they aren't giving you every credit possible, you are throwing money away.

Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
Auto/Life Discount - Some companies give lower rates if you buy auto and life insurance together.
Resident Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can get savings up to 30%.

It's important to note that many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, you're out of luck. But any discount will cut the amount you have to pay.

Why some people pay less for insurance in Chino Valley

Smart consumers have a good feel for the rating factors that help determine the rates you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that can help you get big savings.

The following are a few of the "ingredients" companies use to determine your rates.

Discounts for multiple policies - Many car insurance companies give discounts to insureds who have multiple policies with them. It's known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even with this discount, it's still a good idea to compare other company rates to make sure you are getting the best deal. You may still find a better deal by splitting coverages up.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims would be collision with another vehicle, vandalism, or theft. Physical damage deductibles are the amount of money you are required to spend before a claim is paid by your company. The higher the amount you're willing to pay, the less your car insurance will be.
Please use or commuting - Driving more miles in a year the higher your rates will be. Most companies charge to insure your cars based on their usage. Autos not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your car insurance coverage is showing the proper vehicle usage.
Older drivers pay less - Older insureds tend to be more responsible, file fewer claims and are safer drivers. Youthful drivers are known to be less responsible when behind the wheel therefore car insurance rates are much higher.
Bad driving skills means higher rates - Your driving record impacts your car insurance rates tremendously. Good drivers get better rates compared to drivers with tickets. Only having one speeding ticket can increase rates forty percent or more. Drivers who get flagrant violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Better crash test results mean better rates - Vehicles with good safety scores tend to have better insurance rates. Safer cars result in less severe injuries and any reduction in injury severity means lower claim amounts and lower rates for you.

Save $429 a year? Really?

Consumers in Arizona get pounded daily by advertisements that promise big savings by companies like Allstate and Progressive. All the ads make the same claim that you can save after switching to them.

How do they all claim to save you money? It's all in the numbers.

All the different companies are able to cherry pick for the type of driver that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, has no driving citations, and has a short commute. Any driver who matches those parameters gets the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will be charged a higher premium which leads to the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. That's the way insurance companies can make the claims of big savings.

That is why drivers should quote coverage with many companies. You cannot predict which car insurance company will fit your personal profile best.

Learn more about Arizona car insurance

More information can be found on the website for the Arizona Department of Insurance found here. Visitors are able to read consumer alerts, report car insurance fraud, file complaints about an insurance agent or broker, and read enforcement actions against agents and companies.

In the end, you save

As you shop your coverage around, never skimp on coverage in order to save money. Too many times, someone sacrificed physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

Lower-priced car insurance can be purchased both online and with local Chino Valley insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

We just presented many ideas to reduce car insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a small mutual company. Regional companies often have lower prices on specific markets compared to the large companies like .