7 Ways to Save on Car Insurance in Paradise Valley

Nobody I know cherishes buying car insurance, especially when the price is too high. Drivers have multiple to buy insurance from, and even though it's nice to have a choice, it can be more challenging to compare rates.

It's important to take a look at other company's rates occasionally since rates are constantly changing. Despite the fact that you may have had the best deal a few years ago you may be paying too much now. So just forget anything you know (or think you know) about car insurance because we're going to show you the proper way to reduce your cost while increasing coverage.

Automobile Insurance Quotes in Paradise Valley, AZ

There are several ways to shop for car insurance, and some are less time-consuming than others. You could spend your day driving to insurance agencies in Paradise Valley, or you could save time and use online quoting to achieve your goal.

All the larger companies enroll in a system that allows shoppers to enter their coverage request one time, and every company can give them a price based on that data. This saves time by eliminating repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only downside to using this type of form is you are unable to specify which companies you want to price. If you would rather choose specific providers to compare rates, we have assembled a list of car insurance companies in Arizona. Click to view list.

It's your choice how you get your quotes, but make absolute certain that you use identical coverage information with each company. If you have unequal deductibles or liability limits it's not possible to make an equal comparison in Paradise Valley.

Be sure to get all your discounts

Car insurance is not cheap, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of quoting, but some must be manually applied before you will receive the discount. If you're not getting every credit you qualify for, you're just leaving money on the table.

Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
Resident Student - Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
Good Student - Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
Multi-policy Discount - When you have multiple policies with one company you may earn up to 20% off your total premium.
Accident Forgiveness - Certain companies will forgive one accident without raising rates if you are claim-free prior to the accident.
E-sign - Certain companies will give a small break just for signing your application over the internet.

It's important to note that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you're out of luck. But any discount will bring down the amount you have to pay.

For a list of providers who offer car insurance discounts in Arizona, click here to view.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out whether or not you would benefit from professional advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need PIP (personal injury protection) coverage in Arizona?
Why does it cost so much to insure a teen driver in Paradise Valley?
Does my policy cover me when driving someone else's vehicle?
What are Arizona no-fault laws?
When do I need to add a new car to my policy?
Do I need to file an SR-22 for a DUI in Arizona?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form or click here for a list of car insurance companies in your area. It's fast, free and can help protect your family.

More information is available on the website for the Arizona Department of Insurance located here. Consumers can find out industry alerts, read consumer alerts, read enforcement actions against agents and companies, and learn about insurance regulations.

Best coverage at the best price

As you shop your coverage around, never reduce needed coverages to save money. Too many times, an insured cut liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Lower-priced car insurance can be bought from both online companies and also from your neighborhood Paradise Valley agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

You just learned many tips how you can lower your car insurance rates. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the best price on car insurance is with the least-expected company. Smaller companies often have lower prices on specific markets compared to the large companies like .