Comparing the Cheapest St Johns Auto Insurance

Tired of scraping the payment together each month for car insurance? You are in the same boat as many other Arizona drivers.

Companies like GEICO and Progressive all promote huge savings with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to compare prices before your policy renews since insurance rates are constantly changing. Even if you got the best price last year 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 only way to get good coverage at a lower rate.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Buying car insurance in St Johns is easy if you know what you're doing. But Arizona vehicle owners do need to know the way companies price online insurance and apply this information to your search.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the rating factors that go into determining auto insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with big savings.

Listed below are a few of the "ingredients" auto insurance companies consider when setting rates.

  • Bump up deductibles to save - Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are a windshield shattered by a rock, vandalism, and windstorm damage. Physical damage deductibles are how much you are willing to pay before your auto insurance pays a claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
  • More claims means more premium - Car insurance companies in Arizona give cheaper rates to people who are claim-free. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • Bundling policies can get discounts - Most auto insurance companies will give a discount to people who carry more than one policy such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, you still need to comparison shop to ensure the best deal. You may still be able to find better rates by buying insurance from more than one company.
  • Allowing your policy to lapse raises rates - Letting your insurance expire is a guaranteed way to increase your auto insurance rates. Not only will you pay more, but being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.
  • Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as lawyers, executives and dentists tend to have the highest average rates because of stressful work requirements and lots of time spent at work. Other professions such as farmers, historians and homemakers receive lower rates.
  • Being married can save on auto insurance - Having a spouse can actually save you money on your auto insurance policy. It means you're more mature than a single person and it's proven that drivers who are married are more cautious.
  • Safe vehicles cost less to insure - Vehicles with good safety scores tend to have better insurance rates. These vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Don't sacrifice liability coverage - Liability insurance will protect you if ever a jury decides you are liable for causing damage or personal injury in an accident. It will provide for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.

Compare St Johns Auto Insurance Costs

There are several ways to compare rate quotes and find the best price. One of the best ways to find competitive insurance rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form prevents you from having to do separate forms to each individual auto insurance company. In just a few minutes this one form compares rates from several companies.
  2. A harder way to get quotes online is going to each individual company website to complete their respective quote request forms. For sake of this example, we'll pretend you want rates from , and . To find out each rate you need to spend time on each company's site and enter your information, which is why the first method is more popular.

    To view a list of companies in St Johns, click here.

It doesn't matter which method you choose, just ensure you're using exactly the same coverage limits and deductibles on every quote you get. If you enter different liability limits it will be impossible to determine which rate is truly the best in St Johns. Having just a slight variation in insurance coverages may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes will improve the odds of getting the best rates.

Save big with these discounts

Companies offering auto insurance don't necessarily list all their discounts in a way that's easy to find, so we took the time to find some of the best known as well as the least known ways to save on auto insurance.

  • Homeowners Pay Less - Owning a house in St Johns may earn you a small savings because owning a home is proof that your finances are in order.
  • Employee of Federal Government - Employees or retirees of the government may qualify you for a discount with select insurance companies.
  • Bundle and Save - If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
  • Seat Belts Save more than Lives - Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • No Accidents - Claim-free drivers can save substantially as compared to accident-prone drivers.
  • Sign Online - A handful of insurance companies give back up to $50 for buying a policy and signing up digitally online.
  • Drive Less and Save - Driving fewer miles can earn better rates on cars that stay parked.
  • Organization Discounts - Affiliation with a civic or occupational organization could trigger savings on auto insurance.
  • Multi-car Discount - Insuring more than one vehicle with the same company may reduce the rate for each vehicle.
  • One Accident Forgiven - A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.

Drivers should understand that many deductions do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn't make money that way.

To choose companies offering auto insurance discounts in St Johns, click this link.

Auto insurance ads bend the truth

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. They all seem to make the same claim that you'll save big if you switch to their company. How can each company say the same thing?

All the different companies can use profiling for the driver that makes them money. For example, a desirable insured might be profiled as between the ages of 30 and 50, is a homeowner, and has great credit. A propective insured who matches those parameters will qualify for the lowest rates and most likely will save when they switch companies.

Drivers who fall outside the requirements will have to pay a higher premium which leads to business not being written. The ad wording is "customers that switch" not "people who quote" save that much. That's why companies can advertise the savings. Because of the profiling, you need to get as many quotes as possible. It's not possible to predict the company that will give you the biggest savings.

More detailed Arizona auto insurance information can be found at the Arizona Department of Insurance website. Arizona drivers can report car insurance fraud, download brochures, read consumer alerts, and find a variety of consumer forms.

Do the work, save more money

Budget-conscious auto insurance can be found on the web and also from your neighborhood St Johns agents, and you should compare price quotes from both to have the best selection. There are still a few companies who may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, it's a bad idea to reduce coverage to reduce premium. In many cases, an accident victim reduced physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at a price you can afford.