Lakeside Auto Insurance For Less Than You're Paying Now

Searching for affordable Lakeside auto insurance online is intimidating for beginners to comparison shopping online. Since there are so many companies competing online, how can you even start to compare every one to find the best pricing?

It's important to price shop coverage on a regular basis because insurance rates are constantly changing. If you had the best price a few years ago a different company probably has better rates today. Ignore everything you know about auto insurance because we're going to demonstrate the fastest and easiest way to get good coverage at a lower rate.

How much can you save with discounts?

The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically at the time of purchase, but a few need to be manually applied prior to receiving the credit.

  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Own a Home - Owning a house in Lakeside can save you money because of the fact that having a home is proof that your finances are in order.
  • Government Employees - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Drive Less and Save - Keeping the miles down can earn a substantially lower rate.
  • Accident Waiver - Certain companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.
  • Discount for New Cars - Buying coverage on a new vehicle is cheaper since new cars are generally safer.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

Arizona auto insurance quotes

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that may reward you with lower auto insurance prices.

The list below includes a few of the "ingredients" that factor into rates.

  • Pleasure use saves money - The more you drive in a year's time the more you will pay for auto insurance. The majority of insurers apply a rate based upon how you use the vehicle. Cars left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance policy shows the correct driver usage.
  • High deductibles save money - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered could be a windshield shattered by a rock, damage caused by hail, or theft. The deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The higher the amount the insured has to pay upfront, the bigger discount you will receive.
  • Frequent auto insurance claims increase rates - Car insurance companies in Arizona generally give lower rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can expect higher rates. Auto insurance is designed for the bigger claims that can't be paid out-of-pocket.
  • Safer occupants lowers premiums - Cars with high safety ratings get lower rates. These vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and thus lower rates.
  • Being married is a good thing - Having a spouse actually saves money on auto insurance. It usually means you are more responsible and it's proven that married drivers get in fewer accidents.
  • Rates may be higher depending on your occupation - Jobs such as lawyers, social workers and financial analysts are shown to have higher average rates because of high stress levels and lengthy work days. Conversely, occupations like pilots, engineers and the unemployed pay the least.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to have a common claim about savings if you move your policy. How does each company make almost identical claims?

All companies have a preferred profile for the right customer that earns them a profit. For example, a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and has a short commute. A driver that hits that "sweet spot" receives the best rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will have to pay higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say "customers that switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully make the claims of big savings.

Because of the profiling, drivers should quote coverage with many companies. It is impossible to predict which insurance companies will fit your personal profile best.

For more Arizona auto insurance information

Additional information can be found on the Arizona Department of Insurance website located here. Arizona consumers can file complaints about an insurance agent or broker, report car insurance fraud, and download brochures.

Also read more on Wikipedia and this page where you can research Lakeside insurance agents.

Final considerations

As you shop your coverage around, make sure you don't skimp on coverage in order to save money. In many instances, drivers have reduced physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at a price you can afford.

Cheap auto insurance is definitely available online in addition to many Lakeside insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Drivers who switch companies do it for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, high rates after DUI convictions and even delays in responding to claim requests. It doesn't matter what your reason, choosing a new insurance company is less work than it seems.