Free Guide to Spending Less for Laveen Auto Insurance Online

Paying for high-priced auto insurance can empty your savings account and force you to make sacrifices. Comparison shopping is a smart way to reduce premiums and put more money in your pocket. Insurance companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with ads and it is difficult to sift through the bull and find the best price available.

It's important to shop coverage around on a regular basis because prices are constantly changing. Even if you think you had the best deal a year ago the chances are good that you can find a lower rate today. Starting now, ignore everything you know about auto insurance because you're going to get a crash course in the proper way to find better rates and still maintain coverage.

More discounts equal less premium

Companies that sell car insurance don't always publicize all their discounts in a way that's easy to find, so here is a list both well-publicized and the more hidden auto insurance savings. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • College Student - Children who live away from home and don't have a car may be able to be covered for less.
  • Sign Online - Some insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Drive Less and Save - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Memberships - Participating in a civic or occupational organization could qualify you for a break on auto insurance.
  • Safety Course Discount - Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.

A little note about advertised discounts, most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, you won't be that lucky.

To see a list of companies with discount auto insurance rates in Laveen, follow this link.

Laveen auto insurance comparison

Which Auto Insurance is Cheapest in Laveen, Arizona?

Most companies provide coverage price quotes directly from their websites. This process is fairly simple as you just type in the coverages you want into the quote form. Once you submit the form, the company's rating system will obtain credit information and your driving record and generates a price. Online quotes streamlines rate comparisons, but the time required to go to each company's website and repetitively fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to do this if you want to find a lower rate.

The preferred way to find lower prices uses one form that gets price quotes from several different companies. It's a real time-saver, eliminates form submissions, and makes online shopping much simpler. After your information is entered, it gets priced with multiple companies and you can pick your choice of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and buy the policy. The whole process only takes a few minutes and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and submit your coverage information. If you have a policy now, it's recommended that you enter the limits and deductibles as close as possible to your current policy. This makes sure you will be getting comparison quotes based on the exact same insurance coverage.

Tips to Get Lower Laveen Rates

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with better auto insurance rates.

Shown below are some of the factors used by your company to calculate rates.

  • Mature drivers pay less - More mature drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teen drivers have a tendency to be more careless when driving and because of this, their auto insurance rates are much higher.
  • Your spouse saves you money - Being married helps lower the price when buying auto insurance. It translates into being more responsible and it's statistically proven that married drivers get in fewer accidents.
  • Safer occupants lowers premiums - Safer cars are cheaper to insure. These vehicles protect occupants better and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders.
  • Special features that cut premiums - Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your car from being stolen.
  • Liability coverage is cheap - Your policy's liability coverage is the protection if ever a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • Extra add-on coverages are wasting money - There are quite a few add-on coverages that you can buy on your auto insurance policy. Insurance for personal injury protection, towing coverage and additional equipment coverage are examples of these. These may sound like a good investment at first, but now you might not need them so eliminate the coverages to reduce your premium.

Switch companies and save? Really?

Arizona consumers can't get away from ads for car insurance savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings if you change your coverage to them.

How can each company make almost identical claims?

Different companies have a preferred profile for the type of customer that is profitable for them. An example of a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and has excellent credit. A customer getting a price quote who fits that profile receives the best rates and therefore will save when they switch companies.

Potential customers who do not match the requirements will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. Company advertisements say "people who switch" not "everyone that quotes" save that much money. This is how companies can truthfully make those claims. Because of the profiling, drivers must get quotes from several different companies. It's impossible to know which insurance companies will have the lowest rates.

A tidy conclusion

While you're price shopping online, it's not a good idea to reduce coverage to reduce premium. There are many occasions where drivers have reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. Your aim should be to buy enough coverage at an affordable rate.

Cheaper auto insurance is attainable online as well as from independent agents in Laveen, so you should compare both to have the best rate selection. Some companies don't offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Even more information is available at the Arizona Department of Insurance website. Arizona consumers can read enforcement actions against agents and companies, get help finding coverage, find disaster information, and view a list of available companies.