Car Insurance in Safford Arizona - 5 Tips to Save Money

Saving money on Safford car insurance is difficult for consumers new to comparing rates online. Consumers have so many choices that it can turn into more work than you anticipated to compare prices in Safford.

Buying car insurance in Safford is quite easy. Basically, every vehicle owner who has to buy car insurance stands a good chance to be able to lower their premiums. Nevertheless, Arizona consumers do need to know how the larger insurance companies price insurance differently and use this information to your advantage.

Save big with these 5 discounts

Companies that sell car insurance do not advertise all available discounts very clearly, so we break down both the well known and also the lesser-known car insurance savings.

  • Clubs and Organizations - Being a member of a qualifying organization could qualify you for a break when buying car insurance.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount depending on your company.
  • Discount for Life Insurance - Larger companies have a discount if you purchase auto and life insurance together.
  • Multiple Vehicles - Insuring multiple vehicles on one policy can get a discount on all vehicles.
  • Service Members Pay Less - Having a deployed family member may qualify for rate reductions.

Consumers should know that most credits do not apply to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way.

Car insurance ads bend the truth

Allstate, GEICO and Progressive continually stream ads on TV and radio. All the companies say the same thing of big savings after switching to their company. How does each company claim to save you money? It's all in the numbers.

All the different companies can use profiling for the driver that earns them a profit. For example, a profitable customer might be between the ages of 40 and 55, is a homeowner, and chooses high deductibles. Any new insured who fits that profile is entitled to the best price and most likely will save when switching.

Potential customers who fall outside these standards must pay a higher premium which usually ends up with the customer not buying. The ads state "customers who switch" not "people who quote" save that much. That's why insurance companies can confidently state the savings. This illustrates why you should get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.

Learn more today

More tips and info about car insurance can be found at the Arizona Department of Insurance website. Visitors are able to find out which companies have the most complaints, download brochures, and view agent and company licensing information.

Also read more on this link for Arizona car insurance quotes and this link which helps you find a Safford agent.

The best insurance company isn't always the cheapest

Cost effective car insurance can be purchased both online and also from your neighborhood Safford agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Consumers change insurance companies for a variety of reasons including questionable increases in premium, high rates after DUI convictions, delays in paying claims and even lack of trust in their agent. Whatever your reason, finding a new car insurance company is less work than it seems.

When buying insurance coverage, make sure you don't buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.