Tightwads Guide for Saving on Oro Valley Auto Insurance

Nobody I know looks forward to paying for auto insurance, particularly when the cost is way too high.

Big companies like GEICO and Progressive constantly blast consumers with fancy advertisements and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates occasionally because prices are constantly changing. Even if you got the best price a couple years back there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you're about to find out the tricks you need to know to lower your rates without sacrificing coverage.

If you have car insurance now, you will be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Oro Valley is quite easy. Nevertheless, Arizona consumers do need to know the way insurance companies price insurance differently and apply this information to your search.

Oro Valley Rates are Influenced by These Factors

Consumers need to have an understanding of the factors that help determine the rates you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that can help you get lower auto insurance prices.

Credit scores impact auto insurance rates - Your credit history is a important factor in determining your rates. Therefore, if your credit score is not that good, you could save money insuring your by improving your credit score. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores.
Rate your vehicle for proper use - Driving more miles each year the higher your rates will be. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance coverage is rated on the proper vehicle usage.
Having a spouse can save you money - Having a spouse can get you a discount on auto insurance. Marriage means you're more mature and responsible and it's proven that married couples file fewer claims.
Do men or women drive better? - Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men cause accidents in similar percentages, but men have costlier accidents. Men also get more serious tickets like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high auto insurance rates.

Automobile Insurance Quotes in Oro Valley, AZ

All major auto insurance companies quote coverage prices online. This process is pretty painless as you simply enter your coverage preferences into the quote form. After the form is submitted, the system will obtain your credit score and driving record and generates pricing information. Online quotes helps simplify price comparisons, but the time it takes to visit a lot of sites and type in the same information can be a bit repetitive. Unfortunately, it is important to perform this step if you are searching for a lower rate.

There is an easier way!

The preferred way to get multiple rate quotes uses one form to return rates from multiple companies. It's a real time-saver, reduces the work, and makes online quotes much more enjoyable and efficient. Immediately after you send the form, it is quoted and you can select your choice of the resulting price quotes. If a lower price is quoted, you simply finish the application and purchase coverage. It takes 15 minutes at the most and can result in significant savings.

To find out how much you're overpaying now, click here and submit the form. If you currently have coverage, we recommend you replicate the coverages exactly as they are listed on your policy. This makes sure you will have a fair comparison for the exact same coverage.

More discounts equal less premium

Companies offering auto insurance do not list every available discount in a way that's easy to find, so we took the time to find both the well known as well as the least known discounts you could be receiving.

Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Save with a New Car - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
E-sign - Certain companies may give you up to $50 simply for signing digitally online.
Senior Citizens - If you're over the age of 55, you may be able to get better auto insurance rates.
No Accidents - Good drivers with no accidents can save substantially compared to accident-prone drivers.
Low Mileage - Fewer annual miles can earn a substantially lower rate.
Multiple Vehicles - Having multiple vehicles with the same company may reduce the rate for each vehicle.

It's important to understand that some credits don't apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. So when it seems like you can get free auto insurance, it doesn't quite work that way.

To choose providers who offer auto insurance discounts in Oro Valley, click here.

Switch companies and save? Really?

Companies like Allstate and Progressive continually stream ads in print and on television. All the ads have a common claim of big savings after switching to their company. How can each company claim to save you money?

All companies have a certain "appetite" for the driver that makes them money. For example, a preferred risk might be a mature driver, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and therefore will save when they switch companies.

Potential customers who do not match the requirements will be charged higher prices and this can result in the customer not buying. The ad wording is "customers that switch" not "everyone that quotes" save that much. That is how insurance companies can confidently advertise the way they do. That is why you need to get as many quotes as possible. It's impossible to know which company will provide you with the cheapest rates.

It's not one size fits all

When buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might point out if you would benefit from professional advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
Can I still get insurance after a DUI?
Does medical payments coverage apply to all occupants?
Should I put collision coverage on all my vehicles?
Are there companies who specialize in insuring high-risk drivers?
Is my nanny covered when driving my vehicle?
Can I afford to buy a different vehicle if my vehicle is totaled?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

More tips and info about auto insurance can be found at the Arizona Department of Insurance website. Visitors are able to find out industry alerts, file complaints about an insurance agent or broker, get help finding coverage, and learn about insurance regulations.

Shop smart and save

As you go through the steps to switch your coverage, it's a bad idea to reduce coverage to reduce premium. Too many times, an insured cut physical damage coverage only to discover later that the savings was not a smart move. The aim is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Low-cost auto insurance can be purchased both online and also from your neighborhood Oro Valley agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.