How to Know You're Throwing Money Away for Auto Insurance in Marana

Are you sick and tired of paying out the nose each month for car insurance? You are no different than many other drivers in Arizona.

Numerous battle for your hard-earned dollar, so it's not easy to compare every to discover the definitive lowest price

It's important to compare rates once or twice a year because prices are constantly changing. Just because you had the lowest price a few years ago a different company probably has better rates today. There is a lot of bad information regarding auto insurance online but we're going to give you some great ways to find cheap auto insurance.

Don't pay full price with these discounts

Car insurance can cost a lot, but there could be available discounts that you may not even be aware of. Most are applied when you purchase, but a few must be manually applied before being credited.

Passive Restraints - Vehicles with factory air bags can get savings of 20% or more.
Service Members Pay Less - Having a family member in the military could mean lower rates.
Good Students Pay Less - Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
Multi-car Discount - Having more than one vehicle on one policy can get a discount on all vehicles.
One Accident Forgiven - A few companies allow you one accident before your rates go up if you are claim-free for a set time period.
Auto/Life Discount - Companies who offer life insurance give lower rates if you buy life insurance.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most cut specific coverage prices like medical payments or collision. Just because you may think adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will cut your premiums.

You have some control over your rates

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

Listed below are a partial list of the pieces auto insurance companies consider when setting your rates.

How credit affects auto insurance rates - Your credit score is a big factor in your rate calculation. Therefore, if your credit score is lower than you'd like, you could potentially save money when insuring your by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have poor credit.
High crash test scores lower rates - Vehicles with high crash test scores tend to have better insurance rates. Safer cars reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.
Cautious drivers pay less - Your driving record impacts your car insurance rates tremendously. Careful drivers get better rates than bad drivers. Only having one moving violation can boost insurance rates by twenty percent. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
Liability coverage is cheap - Liability insurance will protect you in the event that you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
Discounts for married couples - Having a wife or husband can actually save you money on your auto insurance policy. Marriage means you're more responsible and statistics show drivers who are married are more cautious.
Where do you drive? - The more miles you rack up on your car every year the higher your rates will be. Most insurance companies charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
Claim-free discounts can add up - If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Insurance companies in Arizona give better rates to insureds who are claim-free. Your insurance policy is intended for major claims that would cause financial hardship.

The auto insurance bait and switch

Companies like State Farm and Allstate constantly bombard you with ads in print and on television. All the ads make the same claim about savings if you switch to their company. How do they all claim to save you money? It's all in the numbers.

Insurance companies can use profiling for the driver that earns them a profit. For instance, a preferred risk might be over the age of 40, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters gets the lowest rates and therefore will cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be charged higher prices which leads to the customer not buying. The ads say "customers who switch" not "everyone that quotes" save that much. That's why companies can truthfully advertise the way they do.

That is why drivers should get as many quotes as possible. It's impossible to know the company that will provide you with the cheapest rates.

More Arizona auto insurance information

Additional information is located on the website for the Arizona Department of Insurance found here. Visitors are able to find out industry alerts, find disaster information, file complaints about a company, and find out which companies have the most complaints.

Do the work, save more money

We covered some good ideas how to reduce auto insurance prices online. The key thing to remember is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .

Cheaper auto insurance is available both online and also from your neighborhood Marana agents, and you need to comparison shop both in order to have the best price selection to choose from. Some auto insurance companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.