5 Guaranteed Tips to Cut Car Insurance Costs in Sun City, AZ

Cutting costs on Sun City car insurance is a challenge for consumers new to shopping for insurance online. You have so many options available that it can turn into a challenge to locate the lowest price in Sun City.

It's important to price shop coverage before your policy renews since rates are constantly changing. Just because you found the best rates a few years ago a different company probably has better rates today. You can find a lot of misleading information regarding car insurance online, so we're going to give you some great ways to find cheap car insurance.

Finding affordable coverage in Sun City is quite easy. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this information. Nevertheless, Arizona car owners do need to know the way companies sell online.

How much can you save with these 5 discounts?

Companies don't necessarily list every available discount very well, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using.

  • Multi-policy Discount - If you have multiple policies with one company you will save approximately 10% to 15%.
  • No Claims - Claim-free drivers pay less compared to drivers who are more careless.
  • Multiple Cars - Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.

It's important to understand that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, it doesn't quite work that way.

Sun City car insurance quote

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

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads make an identical promise of big savings if you change your policy. But how can every company make the same claim? It's all in the numbers.

All the different companies can use profiling for the right customer that earns them a profit. A good example of a preferred risk could be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will be charged more money and ends up with business going elsewhere. The ads state "customers who switch" but not "drivers who get quotes" save that kind of money. That's why insurance companies can confidently advertise the way they do. That is why drivers should compare many company's rates. It's just too difficult to predict the company that will provide you with the cheapest rates.

Learn more today

More tips and info about car insurance can be read at the Arizona Department of Insurance website. Consumers can read consumer alerts, read industry bulletins, and report car insurance fraud.

Also read more on Wikipedia and this Sun City agent directory.

Final considerations

When shopping online for car insurance, do not skimp on coverage in order to save money. Too many times, an accident victim reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

People leave their current company for a variety of reasons including policy non-renewal, high rates after DUI convictions, lack of trust in their agent and even policy cancellation. It doesn't matter what your reason, finding a new car insurance company is less work than it seems.

Low-cost car insurance can be sourced from both online companies in addition to many Sun City insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.