8 Ways to Save on Car Insurance in Gilbert, AZ

No one looks forward to paying for car insurance, especially when they are paying too much. Popular companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with ad campaigns and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to find better prices and still get good coverage. Buying car insurance in Gilbert is quite easy. Arizona drivers only need an understanding of the proper methods to get comparison rates over the internet.

Vehicle Insurance Comparison

Reducing your insurance rates can be quick and easy. You just have to take time getting comparison quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

  1. The fastest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This form keeps you from doing boring form submissions for every car insurance company. Just one form will get you rate comparisons from all major companies.
  2. A different way to get quotes online requires you to visit each individual company website and fill out their own quote form. For instance, we'll pretend you want to compare , and . To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method. To view a list of companies in Gilbert, click here.
  3. The hardest method to get comparison rates is to spend time driving to different Gilbert agent offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the professional guidance of a local Gilbert agent. Drivers can find lower rates online and still use a local agent and we'll cover that in a bit.

It's up to you how you get prices quotes, just be sure to compare exactly the same coverage information for each comparison quote. If you use unequal deductibles or liability limits it will be impossible to determine the lowest rate in Gilbert.

Save big with these eight discounts

Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be requested specifically before being credited. If you aren't receiving every discount you qualify for, you are paying more than you should be.

  • Homeowners Savings - Owning a home in Gilbert may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Good Student - This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • 55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.
  • Service Members Pay Less - Having a family member in the military may qualify for rate reductions.
  • Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • New Car Discount - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Air Bag Discount - Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Fewer Miles Equal More Savings - Fewer annual miles can qualify you for better rates on cars that stay parked.

Consumers should know that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will reduce your overall premium however.

To choose insurers who offer car insurance discounts in Gilbert, click this link.

Car insurance ads bend the truth

Consumers can't ignore all the ads for cheaper car insurance by Allstate, GEICO and Progressive. All the companies make the same claim of big savings after switching to their company.

How can each company make the same claim?

All companies have a certain "appetite" for the driver that makes them money. An example of a profitable customer could be between 30 and 50, a clean driving record, and has a high credit rating. Any new insured who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Consumers who fall outside the requirements must pay higher prices which leads to business going elsewhere. Company advertisements say "people who switch" not "people who quote" save that much. That is how insurance companies can confidently state the savings.

This illustrates why you need to get a wide range of price quotes. It's just too difficult to predict which company will have the lowest rates.

But I don't know anything about car insurance

When buying proper insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different so this has to be addressed. These are some specific questions may help highlight if your situation might need professional guidance.

  • When do I need to add a new car to my policy?
  • Do I need to file an SR-22 for a DUI in Arizona?
  • Should I buy additional glass protection?
  • Am I covered when pulling a rental trailer?
  • Do I need PIP (personal injury protection) coverage in Arizona?
  • Should I file a claim if it's only slightly more than my deductible?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Additional car insurance information is available on the website for the Arizona Department of Insurance through this link. Consumers can report car insurance fraud, file complaints about a company, learn about insurance regulations, and view a list of available companies.

Arizona car insurance

In the end, you save

Cost effective car insurance can be bought from both online companies and also from your neighborhood Gilbert agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

You just learned some good ideas how to compare car insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best prices are with an unexpected company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like .

As you restructure your insurance plan, it's not a good idea to reduce coverage to reduce premium. In too many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.