Gilbert Auto Insurance For Less Than You're Paying Now

If online auto insurance comparisons are new to you, it's easy to be confused by the sheer number of auto insurance companies offering coverage in Gilbert.

It's important to take a look at other company's rates periodically because prices are constantly changing. Just because you had the best rates a few years ago you can probably find a better price now. You can find a lot of wrong information about auto insurance on the internet, so we're going to give you some great ways to quit paying high auto insurance rates.

Gilbert Rates are Influenced by These Factors

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. Understanding what influences your rates enables informed choices that can help you get much lower annual insurance costs.

Listed below are some of the items auto insurance companies consider when setting your rates.

Type of vehicle determines base rates - The type of car you drive makes a substantial difference in how high your rates are. Economy passenger cars receive the most favorable rates, but other factors influence the final cost greatly.
Careful drivers pay lower rates - Even a single ticket can boost insurance rates twenty percent or more. Careful drivers receive lower rates than bad drivers. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to continue driving.
What are your deductibles? - Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply could be colliding with a building, damage from fire, and rolling your vehicle. The deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the lower your rates will be.
With age comes lower rates - Older drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets. Teen drivers are statistically proven to be less responsible behind the wheel therefore auto insurance rates are much higher.

These discounts can lower your rates

Companies offering auto insurance don't list every available discount in an easy-to-find place, so the following is a list of both well-publicized and the more hidden discounts you could be receiving.

Early Signing - A few companies offer discounts for switching policies prior to your current policy expiration. This can save 10% or more.
Air Bag Discount - Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
Multi-car Discount - Buying coverage for more than one vehicle with the same company could earn a price break for each car.
Save over 55 - If you're over the age of 55, you may qualify for better auto insurance rates.
Life Insurance Discount - Some companies give lower rates if you buy life insurance.

It's important to note that some credits don't apply to the entire policy premium. Most cut the cost of specific coverages such as 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.

To choose providers offering auto insurance discounts in Gilbert, click here.

Are you falling for claims of savings?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads have a common claim that you can save if you switch to their company. How do they all make almost identical claims?

Insurance companies have a certain "appetite" for the driver that makes them money. A good example of a preferred risk could possibly be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will be charged higher rates and this can result in the driver buying from a lower-cost company. The ads say "people who switch" not "everybody who quotes" save that much. That is how insurance companies can advertise the way they do. That is why you should get a wide range of price quotes. It's impossible to know which company will provide you with the cheapest rates.

Different people need different coverages

When buying coverage for your vehicles, there is no cookie cutter policy. Everyone's needs are different.

For instance, these questions may help highlight whether you might need an agent's assistance.

Does my car insurance cover rental cars?
Can I rate high risk drivers on liability-only vehicles?
Can I afford to buy a different vehicle if my vehicle is totaled?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I covered when driving on a suspended license?
What happens if I owe more than my vehicle is worth?

If you can't answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don't have a local agent, complete this form.

Additional South Carolina consumer information

Additional detailed information can be read at the South Carolina Department of Insurance website. South Carolina consumers can learn about specific coverages, file complaints about a company, and report car insurance fraud.

The best insurance company isn't always the cheapest

You just read a lot of ways to save on auto insurance. 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 an unexpected company.

Lower-priced auto insurance is available online and also from your neighborhood Gilbert agents, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

When shopping online for auto insurance, you should never buy poor coverage just to save money. There have been many cases where someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.