Car Insurance in Green Valley, AZ - 10 Tips to Save Money

Are you sick and tired of scraping the payment together each month for car insurance? You are in the same boat as the majority of other car owners in Arizona.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive continually hit you with ad campaigns and it is difficult to sift through the bull and find the best price available.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using this strategy. Finding the best rates in Green Valley is easy if you know what you're doing. But Arizona consumers do need to know how big insurance companies price insurance differently.

These ten discounts can lower your rates

Auto insurance companies don't list all available discounts in a way that's easy to find, so the following is a list of both the well known and also the lesser-known savings tricks you should be using.

Organization Discounts - Being a member of a civic or occupational organization is a good way to get lower rates when buying car insurance.
Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
Save with a New Car - Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
Homeowners Pay Less - Owning a home in Green Valley can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
Driver Safety - Taking a defensive driving course could save 5% or more if your company offers it.
Anti-theft System - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
Drivers Ed for Students - Cut your cost by having your teen driver enroll in driver's education if it's offered in school.
Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% depending on your company.
Military Discounts - Being on active duty in the military may qualify for rate reductions.
No Claims - Claim-free drivers pay less when compared with accident-prone drivers.

Consumers should know that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, companies don't profit that way.

To choose insurers who offer car insurance discounts in Green Valley, click here to view.

Are you falling for claims of savings?

Allstate, GEICO and Progressive continually stream ads on television and other media. All the companies make an identical promise that you'll save big after switching your policy. How can each company claim to save you money? It's all in the numbers.

Different companies can use profiling for the right customer that makes them money. A good example of a profitable customer might be between 30 and 50, has no tickets, and has a high credit rating. Any new insured who meets those qualifications is entitled to the best price and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements must pay more money and ends up with the customer not buying. Company advertisements say "customers who switch" not "everybody who quotes" save that kind of money. That's why companies can state the savings. This illustrates why you should quote coverage with many companies. It's just too difficult to predict the company that will have the lowest rates.

More detailed Arizona car insurance information can be read at the Arizona Department of Insurance website. Visitors are able to find out which companies have the most complaints, view a list of available companies, file complaints about an insurance agent or broker, and report car insurance fraud.

Final considerations

Discount car insurance can be purchased both online in addition to many Green Valley insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you restructure your insurance plan, it's not a good idea to buy poor coverage just to save money. In too many instances, an insured dropped collision coverage and discovered at claim time that they should have had better coverage. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.