Easy Techniques to Save Money on Goodyear Auto Insurance

Finding the lowest price for Goodyear auto insurance is challenging if you have never used online rate quotes. But don't let that discourage you because it's actually quite easy.

It's important to price shop coverage occasionally since insurance rates are constantly changing. Just because you found the best price a few years ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because we're going to demonstrate the quickest way to find the best coverage while lowering your premiums.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the factors that play a part in calculating auto insurance rates. Knowing what influences your rates helps enable you to make changes that can help you get better auto insurance rates.

  • A clean driving record saves money - Even a single moving violation may increase your cost twenty percent or more. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Consolidate policies to earn discounts - Some insurance companies give discounts to people who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it's in your best interest to comparison shop to confirm you are receiving the best rates possible.
  • Lower deductibles cost more - Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, or theft. The deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The higher the amount the insured has to pay upfront, the lower your rates will be.
  • Males pay more for insurance - Statistics show that women are safer drivers than men. Now that doesn't mean men are WORSE drivers than women. Men and women have accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets like reckless driving and DUI.

Arizona auto insurance

Finding Auto Insurance Deals in Goodyear, AZ

Performing a rate comparison can be exhausting if you don't understand the best way to get rate quotes. You can spend your afternoon talking to local insurance agents in Goodyear, or you can stay home and use online quotes to quickly compare rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and at least one company can provide price quotes based on the submitted data. This prevents consumers from doing quote forms to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

One minor caviat to using this type of system is you don't know exactly which providers you will receive quotes from. If you would rather choose individual companies to receive pricing from, we have assembled a list of the cheapest auto insurance companies in Arizona. Click here to view list.

However you get your quotes, make absolute certain that you use identical quote information on every quote. If you enter mixed coverages it will be very difficult to make a fair comparison in Goodyear. Slightly different limits may result in large price differences. And when quoting auto insurance, remember that comparing more company's prices helps locate a better price.

Be sure to get all your discounts

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. Some discounts apply automatically when you complete an application, but less common discounts must be manually applied before they will apply.

  • Discount for Swiching Early - Select companies give a discount for signing up prior to your current policy expiration. The savings is around 10%.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Multiple Cars - Buying insurance for all your vehicles with the same company qualifies for this discount.
  • Senior Discount - If you're over the age of 55, you may receive a discount up to 10%.
  • No Claims - Good drivers with no accidents can save substantially compared to accident-prone drivers.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free auto insurance policy, it just doesn't work that way. But any discount will bring down the amount you have to pay.

To choose providers with discount auto insurance rates in Arizona, click here.

Is there truth in advertising?

Companies like State Farm and Allstate consistently run television and radio advertisements. All the ads have a common claim that you can save if you change your policy. How does each company say the same thing? This is how they do it.

Different companies have a certain "appetite" for the right customer that makes them money. For example, a preferred risk might be profiled as over the age of 50, owns a home, and drives less than 7,500 miles a year. A propective insured that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards will be charged higher rates and this can result in business not being written. The ad wording is "drivers who switch" but not "drivers who get quotes" save that kind of money. That is how insurance companies can advertise the way they do.

That is why you need to compare many company's rates. It's not possible to predict which company will provide you with the cheapest rates.

How do I know if I need professional advice?

When buying the right insurance coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's situation is unique.

For example, these questions might point out whether or not you may require specific advice.

  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I put collision coverage on all my vehicles?
  • What companies insure drivers after a DUI or DWI?
  • Is my cargo covered for damage or theft?
  • Am I covered if I drive in a foreign country?

If you can't answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

More information can be found on the Arizona Department of Insurance website. Click here for link. Arizona drivers can file complaints about a company, read consumer alerts, and report car insurance fraud.

Goodyear auto insurance quote

Shop smart and save

Throughout this article, we presented a lot of techniques to compare auto insurance prices online. It's most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a smaller regional carrier.

When shopping online for auto insurance, it's very important that you do not reduce coverage to reduce premium. There have been many cases where an insured cut physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Affordable auto insurance can be sourced on the web in addition to many Goodyear insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.