Free Guide to Paying Less for Quartzsite Auto Insurance Online

Have you had enough of robbing Peter to pay Paul each month for car insurance? You are in the same boat as millions of other consumers.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with catchy ads and it is difficult to sift through the bull and find the best price available.

It's important to check auto insurance prices once or twice a year since insurance rates are constantly changing. Just because you found the best deal a couple years back the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about auto insurance because it's time to teach you the proper way to save money, get proper coverage and the best rates.

How much can you save with discounts?

Companies that sell car insurance don't necessarily list all their discounts in a way that's easy to find, so here is a list some of the best known as well as the least known auto insurance savings.

New Vehicle Savings - Insuring a new car can be considerably cheaper compared to insuring an older model.
Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you can actually save on your bill.
Memberships - Affiliation with a civic or occupational organization could qualify you for a break on auto insurance.
Drivers Ed for Students - Have your child complete a driver education course if offered at their school.
Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.

It's important to note that most credits do not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you could get a free auto insurance policy, you're out of luck.

To see a list of companies with discount auto insurance rates in Quartzsite, follow this link.

Compare the Market for Auto Insurance in Quartzsite

There are several ways you can shop for auto insurance and some are more efficient than others. You can waste a lot of time driving to insurance companies in Quartzsite, or you could save time and use online quotes to get rates in a matter of minutes.

Many insurance companies participate in an industry program that allows shoppers to submit one quote, and at least one company then returns a price quote based on that information. This eliminates the need for repetitive form submissions for each company you want a rate for.

To submit your quote information now, click to open in new window.

The only downside to using this type of system is you cannot specify which carriers you want to price. So if you want to select individual companies to compare rates, we have assembled a list of auto insurance companies in Arizona. Click here to view list.

It doesn't matter which method you choose, just double check that you are using exactly the same quote information on every quote. If the quotes have mixed coverages it's not possible to make a fair comparison in Quartzsite. Just a small difference in limits can make a big difference in price. It's important to know that quoting more will increase your chances of finding a better price.

What determines how much you pay?

An important part of buying insurance is that you know some of the elements that play a part in calculating auto insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with better auto insurance rates.

Shown below are some of the factors companies use to determine rates.

Rate your vehicle for proper use - The higher the mileage driven every year the more you will pay for auto insurance. Most companies price each vehicle's coverage based on their usage. Vehicles that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.
Car features impact rates - Driving a car with an alarm system can help bring down rates. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
Liability insurance protects assets - Your policy's liability coverage will protect you if ever a jury decides you are liable for damages from an accident. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
Small claims can cost you - Car insurance companies in Arizona provide cheaper rates to drivers who file claims infrequently. If you file claims often, you can look forward to either policy cancellation or increased premiums. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
Better credit means lower rates - Credit score is a important factor in your rate calculation. Drivers with high credit scores tend to file fewer claims and have better driving records than those with poor credit. If your credit is low, you could pay less to insure your by improving your credit score.
Do you work long hours in a high stress job? - Jobs such as doctors, architects and dentists tend to pay the highest average rates because of high stress and long work hours. Other occupations like farmers, historians and retirees have the lowest average rates.
Your spouse saves you money - Being married helps lower the price when buying auto insurance. It is viewed as being more mature and it's proven that drivers who are married are more cautious.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as GEICO, State Farm and Progressive consistently run television and radio advertisements. They all seem to say the same thing that you can save if you change to them. How can each company say the same thing?

Different companies can use profiling for the type of driver that is profitable for them. An example of a desirable insured might be profiled as between 25 and 40, has no tickets, and drives less than 10,000 miles a year. A propective insured who fits that profile will get the preferred rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements will have to pay higher rates which usually ends up with business not being written. The ads state "customers that switch" but not "drivers who get quotes" save money. That's why insurance companies can advertise the way they do. Because of the profiling, drivers must get quotes from several different companies. It's not possible to predict the company that will provide you with the cheapest rates.

Shop smart and save

As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. In many instances, an insured dropped liability limits or collision coverage only to find out that the savings was not a smart move. The ultimate goal is to get the best coverage possible at a price you can afford.

Lower-priced auto insurance can be sourced on the web and with local Quartzsite insurance agents, so you should compare both to get a complete price analysis. Some auto insurance companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Additional detailed information is available at the Arizona Department of Insurance website. Arizona drivers can file complaints about an insurance agent or broker, view a list of available companies, find out which companies have the most complaints, and download brochures.