How to Find Cheap Thatcher Auto Insurance

If you're new to shopping for auto insurance online, it's easy to get confused because of the huge number of auto insurance companies selling insurance in Thatcher.

compare Thatcher auto insurance rates

Don't pay full price with these discounts

Car insurance companies do not advertise every discount very clearly, so here is a list both the well known and also the lesser-known auto insurance savings.

  • Military Discounts - Having a deployed family member could mean lower rates.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Distant Student - Children who live away from home and do not have a car may be able to be covered for less.
  • Use Seat Belts - Drivers who require all occupants to wear their seat belts could cut 10% or more off your medical payments premium.
  • Federal Employees - Simply working for the federal government can earn a discount up to 10% with a few auto insurance companies.
  • Good Student - Getting good grades can save 20 to 25%. The discount lasts until age 25.

A little note about advertised discounts, most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, you won't be that lucky.

For a list of insurance companies offering auto insurance discounts in Arizona, follow this link.

Thatcher Auto Insurance Quote Comparison

There are multiple methods to shop for auto insurance, but some are easier and takes less work. You can waste hours driving to insurance companies in Thatcher, or you could use the internet to quickly compare rates.

Most car insurance companies participate in a marketplace that enables customers to enter their coverage request one time, and each company provides a quote determined by their information. This eliminates the need for repetitive form submissions to each individual auto insurance company. To submit your quote information now, click here (opens in new window).

The only downside to comparing rates this way is you cannot specify the companies to get quotes from. If you would rather choose individual companies to compare rates, we put together a list of companies who write auto insurance in Arizona. Click here for list of insurance companies in Arizona.

It doesn't matter which method you choose, just make absolute certain that you use identical coverage limits and deductibles on every quote you get. If your comparisons have different liability limits then you won't be able to determine which rate is truly the best in Thatcher. Just a small difference in coverages could mean much higher rates. And when quoting auto insurance, remember that having more price comparisons helps locate the best rates.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Every situation is different.

Here are some questions about coverages that might point out whether or not you would benefit from an agent's advice.

  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP (personal injury protection) coverage in Arizona?
  • Why does it cost so much to insure a teen driver in Thatcher?
  • Does my policy cover my teen driver if they drive my company car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I drive in a foreign country?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Shop smart and save

Consumers switch companies for a variety of reasons including unfair underwriting practices, policy cancellation, not issuing a premium refund and being labeled a high risk driver. Regardless of your reason, finding a new auto insurance company is not as hard as you think.

While you're price shopping online, it's very important that you do not sacrifice coverage to reduce premiums. There have been many situations where an insured cut liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to buy enough coverage at the best price while still protecting your assets.

Cheaper auto insurance can be found both online in addition to many Thatcher insurance agents, so you should compare both to have the best rate selection. Some companies do not provide online quoting and these smaller companies work with independent agents.