Car Insurance in Fort Mohave - 6 Discounts to Save Money
Are you intimidated by the dozens of car insurance company choices in Fort Mohave? Many other consumers are too. Drivers have so many choices that it can turn into a big hassle to find better rates.
It's important to check car insurance prices every six months since rates are constantly changing. Even if you got the lowest price last year you can probably find a better price now. There is a lot of wrong information about car insurance on the internet, so I'm going to show you some great ways to quit paying high car insurance rates.
Finding the best rates in Fort Mohave is quite easy. If you have car insurance now, you should be able to cut costs considerably using this strategy. Nevertheless, Arizona car owners do need to know the way insurance companies price insurance differently because it can help you find the best coverage.
Are you getting all your discounts?
Companies offering auto insurance don't necessarily list all their discounts very well, so we researched some of the more common and the more hidden ways to save on car insurance.
- 55 and Retired - If you're over the age of 55, you may be able to get reduced rates.
- Multiple Vehicles - Buying coverage for multiple vehicles with the same company could earn a price break for each car.
- Bundle and Save - If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.
- Early Switch Discount - A few companies offer discounts for switching to them prior to your current policy expiration. It's a savings of about 10%.
- Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
- Air Bag Discount - Factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
Consumers should know that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, companies don't profit that way.
To choose companies who offer car insurance discounts in Arizona, click this link.
How can Progressive, GEICO, Allstate and State Farm save drivers who switch?
Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. They all seem to make the same claim of big savings after switching to them. But how can every company make the same claim?
All companies are able to cherry pick for the type of driver that makes them money. For instance, a desirable insured could be a mature driver, has no driving citations, and has great credit. Any new insured who matches those parameters is entitled to the best price and as a result will probably save a lot of money.
Drivers who are not a match for this ideal profile will have to pay higher premiums which leads to business going elsewhere. Company advertisements say "people who switch" not "everybody who quotes" save money. That's the way insurance companies can confidently advertise the savings. Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will give you the biggest savings.
Learn more about Arizona car insurance
More tips and info about car insurance is located at the Arizona Department of Insurance website. Consumers can read enforcement actions against agents and companies, report car insurance fraud, and view agent and company licensing information.
Other informative sites include this Car Insurance FAQ and this page of insurance agents in Fort Mohave.
Affordable insurance is out there
As you prepare to switch companies, don't be tempted to buy poor coverage just to save money. There are many occasions where someone sacrificed collision coverage and learned later that the small savings ended up costing them much more. Your aim should be to buy enough coverage at an affordable rate.
Cost effective car insurance can be purchased from both online companies and with local Fort Mohave insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and most of the time these small, regional companies sell through independent agents.
You just learned some good ideas how to save on car insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with an unexpected company.
