Car Insurance in El Mirage - 6 Discounts You Might be Losing Out On

Cutting costs on El Mirage car insurance is a challenge for consumers new to shopping for insurance online. You have so many options that it can easily become a challenge to locate the lowest price in El Mirage.

It's important to price shop coverage once or twice a year since rates are constantly changing. Even if you got the best deal a couple years back a different company probably has better rates today. So forget all the misinformation about car insurance because we're going to show you the only way to lower your annual insurance bill.

The purpose of this article is to instruct you on how car insurance quotes work. If you currently have car insurance, you will be able to save some money using this information. Although Arizona car owners do need to know the methods companies use to price online insurance and take advantage of how the system works.

How much can you save with these six discounts?

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don't even know exist. Most are applied when you purchase, but lesser-known reductions have to be asked about before being credited.

  • New Car Discount - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Military Discounts - Being deployed with a military unit could mean lower rates.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Early Signing - Some companies give discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.

A little note about advertised discounts, some credits don't apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

Arizona car insurance quotes

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all seem to have a common claim about savings if you switch your policy. But how can every company make the same claim? It's all in the numbers.

Different companies can use profiling for the right customer that earns them a profit. An example of a desirable insured could be over the age of 40, has no tickets, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will get very good rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile will have to pay higher prices and this can result in business going elsewhere. The ads say "customers who switch" but not "drivers who get quotes" save that kind of money. That's why companies can truthfully advertise the way they do.

Because of the profiling, drivers should get quotes from several different companies. It's just too difficult to predict the company that will provide you with the cheapest rates.

Additional information is available on the Arizona Department of Insurance website found here. Consumers can file complaints about an insurance agent or broker, view a list of available companies, and find out industry alerts.

Also read more on Auto Insurance 101 and this page where you can research El Mirage insurance agents.

compare El Mirage car insurance rates

Affordable insurance is out there

As you go through the steps to switch your coverage, don't be tempted to skimp on coverage in order to save money. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The ultimate goal is to find the BEST coverage at the best price.

Drivers switch companies for a variety of reasons including delays in paying claims, unfair underwriting practices, policy cancellation and even high prices. It doesn't matter what your reason, finding a new car insurance company is less work than it seems.

You just learned a lot of ways to reduce car insurance prices online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies.