Buy Low-Cost Fountain Hills Auto Insurance

Paying for high-priced auto insurance can overdraw your personal savings and make it hard to pay other bills. Comparison shopping is free and is an excellent way to help make ends meet.

Since consumers have many auto insurance companies to choose from, it's nearly impossible to locate the best company.

It's important to get comparison quotes quite often since insurance rates are constantly changing. Even if you got the best rates a couple years back a different company probably has better rates today. There is a lot of wrong information about auto insurance on the web, but I'm going to show you some great ways to find cheap auto insurance.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but companies offer discounts that many people don't even know exist. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be asked about before you get the savings.

College Student - Any of your kids living away from home attending college and do not have a car can receive lower rates.
Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Seat Belts Save more than Lives - Drivers who require all occupants to buckle their seat belts could save 15% off your PIP or medical payments premium.
No Claims - Drivers who don't have accidents pay less as compared to drivers who are more careless.
Government Employees - Active or retired federal employment could cut as much as 10% off with select insurance companies.
Senior Discount - If you qualify as a senior citizen, you may qualify for a discount up to 10%.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

Understand what determines the rate you pay

Smart consumers have a good feel for the rating factors that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

Older drivers pay less - Teenage drivers in Arizona are statistically proven to be more careless when driving so auto insurance rates are higher. If you've ever had to add a teenage driver onto your auto insurance can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
Clean credit earns discounts - Credit score is a important factor in determining what you pay for auto insurance. If your credit is lower than you'd like, you could potentially save money when insuring your by improving your rating. Consumers who have high credit scores tend to be less risk to insure than drivers who have poor credit.
Never allow your policy to lapse - Allowing your auto insurance policy to lapse is a quick way to increase your auto insurance rates. Not only will rates go up, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.Then you may be required to file a SR-22 with the Arizona motor vehicle department to get your license reinstated.
Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as real estate brokers, executives and stock brokers are shown to have the highest rates because of high stress levels and long work days. On the other hand, occupations like pilots, students and homemakers pay the least.
Liability coverage is cheap - Liability insurance is the protection if ever a jury decides you are liable for damages caused by your negligence. It provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.

How do I know if I need professional advice?

When it comes to buying coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help you determine whether or not you will benefit from professional help.

Why does it cost so much to insure a teen driver in Fountain Hills?
What are Arizona no-fault laws?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
Why am I be forced to buy a membership to get insurance from some companies?
Will I be non-renewed for getting a DUI or other conviction?
Why am I required to get a high-risk car insurance policy?
Am I covered by my employer's commercial auto policy when driving my personal car for business?

If it's difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Is there truth in advertising?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to make the same claim about savings if you switch your policy. But how can every company say the same thing?

Insurance companies have a preferred profile for the right customer that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 40 and 55, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.

Drivers who don't measure up to this ideal profile will have to pay a higher premium which leads to business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully advertise the way they do.

Because of the profiling, drivers should compare many company's rates. It's not possible to predict which insurance companies will provide you with the cheapest rates.

More sites with auto insurance information

Additional information can be read on the website for the Arizona Department of Insurance located here. Arizona drivers can read enforcement actions against agents and companies, find out industry alerts, find a variety of consumer forms, and read industry bulletins.

Also read more on this Car Insurance FAQ and this page of insurance agents in Fountain Hills.

Shop smart and save

As you go through the steps to switch your coverage, don't be tempted to skimp on coverage in order to save money. There are many occasions where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to buy enough coverage at a price you can afford.

Throughout this article, we presented many ideas to reduce auto insurance prices online. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from the least-expected company. Regional companies may cover specific market segments cheaper compared to the large companies like .