Free Guide to Saving Money on Mayer Car Insurance Online
Sick and tired of robbing Peter to pay Paul each month for car insurance? You are no different than many other drivers in Arizona. Numerous battle for your business, so it's not easy to compare every and get the definite lowest rate
It's important to do rate comparisons once or twice a year because rates are constantly changing. Just because you found the lowest price two years ago you will most likely find a better rate today. You can find a lot of wrong information about car insurance on the web, but we're going to give you some great ways to put money back in your pocket.
Take advantage of discounts
Car insurance is not cheap, but you may find discounts that you may not know about. Certain discounts will be triggered automatically when you get a quote, but a few must be specially asked for before you will receive the discount. If they aren't giving you every credit available, you are throwing money away.
- Anti-theft System - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
- Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
- E-sign - Some insurance companies will give a small break for buying your policy on their website.
- Driver Safety - Taking a driver safety course could save 5% or more if you qualify.
- Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
- Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as comprehensive or collision. So when it seems like you could get a free car insurance policy, car insurance companies aren't that generous. Any amount of discount will cut your overall premium however.
Are car insurance companies telling the truth?
Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Allstate and Progressive. All the ads say the same thing about savings after switching to them.
How do they all make the same claim?
Different companies can use profiling for the type of driver that earns them a profit. For instance, a preferred risk could be between the ages of 40 and 55, has no tickets, and chooses high deductibles. A customer who fits that profile will get very good rates and most likely will cut their rates substantially.
Drivers who don't qualify for the "perfect" profile will be charged higher premiums which usually ends up with business going elsewhere. The ads say "customers that switch" not "people who quote" save money. That's why companies can truthfully state the savings.
That is why you should quote coverage with many companies. Because you never know the company that will give you the biggest savings.
Additional information is located on the website for the Arizona Department of Insurance located here. Consumers can read consumer alerts, view a list of available companies, get help finding coverage, and discover disciplinary actions.
A tidy conclusion
When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. Too many times, an insured dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.
Cheap car insurance can be sourced from both online companies and with local Mayer insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.
