How to Know You're Wasting Money for Auto Insurance in Clifton

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say you're not the only one.

Numerous battle to insure your vehicles, so it can be very hard to choose a to get the lowest rate

It's important to price shop coverage at least once a year because insurance rates are constantly changing. Just because you had the lowest rates a few years ago you will most likely find a better rate today. So just block out anything you think you know about auto insurance because you're about to learn the tricks you need to know to lower your annual insurance bill.

More discounts equal less premium

Companies offering auto insurance don't always list every available discount in an easy-to-find place, so we break down both well-publicized and also the lesser-known auto insurance savings.

Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can get savings up to 30%.
Defensive Driver - Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
Low Mileage - Driving fewer miles can earn lower rates on the low mileage vehicles.
Student Driver Training - Make teen driver coverage more affordable by requiring them to take driver's ed class in school.
Military Discounts - Having a deployed family member could mean lower rates.

It's important to note that most credits do not apply the the whole policy. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, you're out of luck.

Switch companies and save? Really?

Companies like State Farm and Allstate constantly bombard you with ads in print and on television. All the ads say the same thing that you can save if you switch your policy. How do they all make almost identical claims? It's all in the numbers.

Insurance companies are able to cherry pick for the right customer that earns them a profit. For example, a preferred risk could possibly be between the ages of 30 and 50, has no tickets, and has a short commute. A driver who fits that profile is entitled to the best price and therefore will cut their rates substantially.

Drivers who do not match the "perfect" profile will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state "customers who switch" not "everyone that quotes" save that kind of money. That's the way insurance companies can make the claims of big savings. That is why you should get a wide range of price quotes. It is impossible to predict which auto insurance company will fit your personal profile best.

Find out more about auto insurance

Additional detailed information can be found at the Arizona Department of Insurance website. Arizona consumers can file complaints about a company, discover disciplinary actions, find disaster information, and view a list of available companies.

Do the work, save more money

In this article, we presented a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more you quote, the better chance you'll have of finding lower rates. You may even discover the lowest rates come from some of the smallest insurance companies. Regional companies often have lower prices on specific markets as compared to the big name companies such as .

Lower-priced auto insurance is available online in addition to many Clifton insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.