Top 5 Ways to Get Lower Rates on Car Insurance in Lake Havasu City, AZ

Are you intimidated by the wide range of car insurance companies in Lake Havasu City? Lot's of other consumers are too. People have so many companies to choose from that it can turn into a lot of work to find lower rates.

Comprehensive Lake Havasu City Car Insurance Comparison

There are multiple methods to compare car insurance prices but one way is less time-consuming than others. You could spend your day talking about coverages with insurance companies in Lake Havasu City, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

All the larger companies are enrolled in a marketplace that enables customers to send in one quote, and every company returns a rated price based on that data. This system prevents you from having to do quote requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of form is you cannot specify which companies you want pricing from. If you prefer to choose specific providers to compare rates, we have assembled a list of the cheapest car insurance companies in Arizona. Click here to view list.

It doesn't matter which method you choose, just ensure you are comparing exactly the same coverage limits for every company. If you have differing limits you will not be able to decipher which rate is best in Lake Havasu City. Having just a slight variation in limits may result in large price differences. Just remember that comparing more company's prices will improve the odds of getting better pricing.

Don't pay full price with these 5 discounts

Companies offering auto insurance don't always publicize all available discounts in a way that's easy to find, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance.

  • Club Memberships - Belonging to a civic or occupational organization could trigger savings when buying car insurance.
  • Military Discounts - Having a family member in the military could be rewarded with lower premiums.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Pay Now and Pay Less - If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Homeowners Discount - Owning a home in Lake Havasu City may earn you a small savings because maintaining a house demonstrates responsibility.

Keep in mind that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like it's possible to get free car insurance, it just doesn't work that way.

For a list of insurers with discount car insurance rates in Lake Havasu City, click this link.

Additional detailed information can be read at the Arizona Department of Insurance website. Consumers can find out which companies have the most complaints, find disaster information, and read consumer alerts.

The best insurance company isn't always the cheapest

Affordable car insurance is attainable from both online companies in addition to many Lake Havasu City insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

Insureds leave their current company for any number of reasons including questionable increases in premium, delays in responding to claim requests, policy non-renewal and extreme rates for teen drivers. Regardless of your reason, switching car insurance companies is not as hard as you think.

You just learned many ideas to lower your car insurance rates. It's most important to understand that the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the most savings is with a lesser-known regional company.