8 Methods to Save on Car Insurance in St Michaels, AZ

Expensive car insurance can overdraw your savings account and put a big crunch on your finances. Shopping your coverage around is a great way to slash your bill and have more diposable income. Insurance companies such as State Farm, Allstate, GEICO and Progressive continually hit you with advertising and it is difficult to sift through the bull and do the work needed to find the best deal.

Take advantage of discounts

Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. Some trigger automatically when you get a quote, but lesser-known reductions have to be asked about before you will receive the discount. If you aren't receiving every discount you deserve, you are paying more than you should be.

Multiple Vehicles - Insuring multiple vehicles with the same company qualifies for this discount.
Student in College - Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
Senior Citizens - If you're over the age of 55, you may be able to get better car insurance rates.
Payment Method - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
Life Insurance Discount - Some companies give better rates if you take out life insurance.
Accident Waiver - A handful of insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven't had any claims for a set time period.
Fewer Miles Equal More Savings - Fewer annual miles can qualify you for a substantially lower rate.
Government Employees - Employees or retirees of the government could cut as much as 10% off depending on your company.

It's important to note that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. 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 reduce your overall premium however.

To choose insurers who offer car insurance discounts in St Michaels, click here.

Are car insurance companies telling the truth?

Consumers in Arizona can't ignore all the ads for car insurance savings by Allstate, GEICO and Progressive. All the companies have a common claim that you can save after switching to their company.

How can each company claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the driver that makes them money. An example of a profitable customer might be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save when they switch companies.

Drivers who don't qualify for the requirements must pay higher premiums and this can result in the customer not buying. Company advertisements say "drivers who switch" not "people who quote" save that much. This is how insurance companies can advertise the way they do.

This illustrates why you should quote coverage with many companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

How to know if you need help

When buying proper insurance coverage for your personal vehicles, there really is not a "best" method to buy coverage. Every insured's situation is different and your policy should reflect that. These are some specific questions may help you determine whether your personal situation would benefit from an agent's advice.

Can I afford to buy a different vehicle if my vehicle is totaled?
Why does it cost so much to insure a teen driver in St Michaels?
Should I buy additional glass protection?
Are my tools covered if they get stolen from my vehicle?
What are the financial responsibility laws in Arizona?
I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

More sites with car insurance information

More information is available on the website for the Arizona Department of Insurance. Click here for link. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, learn about insurance regulations, and view a list of available companies.

And the best car insurance company is...

Lower-priced car insurance can be bought both online and also from your neighborhood St Michaels agents, so you should compare both to have the best chance of lowering rates. Some car insurance companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's not a good idea to buy poor coverage just to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your focus should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.