Tightwads Guide for Saving on Prescott Valley Auto Insurance

Scraping up a payment for overpriced auto insurance can take a big chunk out of your checking account and put a big crunch on your finances. Doing a price comparison is a great way to make sure you're not throwing money away.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive all claim big savings with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It's important to price shop coverage on a regular basis since insurance rates are constantly changing. Just because you found the lowest price on your last policy there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you're about to find out how to use online quotes to find better coverage at a better price.

If you currently have a car insurance policy, you will be able to cut costs considerably using this strategy. Finding the best rates in Prescott Valley is easy if you know what you're doing. But Arizona vehicle owners do need to know how big insurance companies sell online because it can help you find the best coverage.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the factors that help determine auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

Teen drivers pay high rates - More mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets. Teenage drivers are known to be careless and easily distracted when driving and because of this, their auto insurance rates are much higher.
Having a spouse can save you money - Having a wife or husband can get you a discount on auto insurance. It usually means you are more mature than a single person and it's statistically proven that married drivers get in fewer accidents.
Keep rates low by being claim-free - Car insurance companies in Arizona generally give cheaper rates to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
Car features impact rates - Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
Liability coverage is peace of mind - Liability coverage is the protection if ever a jury decides you are liable for damages caused by your negligence. Liability provides legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
Choose a safe vehicle and save - Vehicles with high crash test scores get lower rates. These vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders.

Prescott Valley Auto Insurance Prices Online

All major auto insurance companies give coverage price quotes on their websites. Getting online quotes doesn't take a lot of time as you just type in the coverages you want as detailed in the form. After the form is submitted, their system will obtain your driving record and credit report and returns pricing information. Online quotes makes it a lot easier to compare rates but the time it takes to visit many different websites and enter the same data into a form gets old quite quickly. But it's very important to perform this step in order to get better auto insurance pricing.

The easy way to compare rates

The preferred way to find lower prices requires only one form that gets price quotes from many companies. The form is fast, requires less work, and makes online price comparison much more efficient. After sending your information, your coverage is rated and you can select your choice of the resulting price quotes.

If the quotes result in lower rates, you simply finish the application and buy the policy. This process just takes a couple of minutes and may result in a nice savings.

To quickly find out what other companies charge, click here to open in new window and submit your coverage information. If you have coverage now, it's recommended you input the coverages identical to your current policy. This makes sure you're receiving rate quotes for the exact same coverage.

These discounts can lower your rates

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not know about. A few discounts will automatically apply when you complete an application, but less common discounts must be inquired about before they will apply.

College Student - Youth drivers who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
Sign Online - A few companies give back up to $50 for buying a policy and signing up digitally online.
Own a Home - Owning a house in Prescott Valley can save you money due to the fact that maintaining a home shows financial diligence.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
Drive Less and Save - Fewer annual miles could be rewarded with a substantially lower rate.
Organization Discounts - Affiliation with a civic or occupational organization may earn a discount on auto insurance.
Military Discounts - Being deployed with a military unit may qualify for rate reductions.
Good Student Discount - This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.

Consumers should know that some credits don't apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way. But all discounts will reduce the cost of coverage.

To choose companies who offer auto insurance discounts in Prescott Valley, click here.

Are you falling for claims of savings?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. They all seem to have a common claim that you'll save big after switching your policy. How can each company say the same thing?

Insurance companies have a preferred profile for the right customer that makes them money. For instance, a desirable insured might be profiled as between 30 and 50, insures multiple vehicles, and has great credit. A propective insured that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will have to pay higher rates and this can result in business not being written. The ad wording is "people who switch" not "everybody who quotes" save that kind of money. This is how companies can advertise the savings.

Because of the profiling, you need to get as many quotes as possible. It's not possible to predict which insurance companies will fit your personal profile best.

Much more information about auto insurance in Arizona is located on the website for the Arizona Department of Insurance through this link. Arizona drivers can read enforcement actions against agents and companies, get help finding coverage, download brochures, and view a list of available companies.

Affordable insurance is out there

When you buy insurance online, it's not a good idea to reduce coverage to reduce premium. There are many occasions where drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at an affordable rate.

Discount auto insurance can be sourced on the web in addition to many Prescott Valley insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not provide online price quotes and most of the time these small, regional companies sell through independent agents.