Top 6 Ways You Can Buy Car Insurance for Less in Tucson Arizona

Are you intimidated by the dozens of car insurance options in Tucson? Many other drivers are as well. People have so many companies to choose from that it can turn into a big hassle to find lower rates.

How much can you save with these six discounts?

Companies don't always publicize every discount in a way that's easy to find, so we researched some of the more common and also the lesser-known discounts you could be receiving.

  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Homeowners Discount - Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.
  • Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.

It's important to note that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. So even though it sounds like you could get a free car insurance policy, you're out of luck.

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

Car insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all have a common claim that you can save after switching to their company. How can each company make the same claim? It's all in the numbers.

Different companies are able to cherry pick for the driver that earns them a profit. For instance, a driver they prefer could be a mature driver, has no driving citations, and has great credit. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements will be quoted higher prices and this can result in business going elsewhere. The ads say "customers who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can advertise the savings. This emphasizes why drivers should compare many company's rates. It's just too difficult to predict which car insurance company will fit your personal profile best.

Additional detailed information is located at the Arizona Department of Insurance website. Consumers can view a list of available companies, find out which companies have the most complaints, and get help finding coverage.

The best insurance company isn't always the cheapest

Drivers change insurance companies for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, an unsatisfactory settlement offer and even unfair underwriting practices. It doesn't matter what your reason, finding a new car insurance company is less work than it seems.

Lower-priced car insurance can be sourced from both online companies and also from your neighborhood Tucson agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

When you buy insurance online, it's not a good idea to skimp on coverage in order to save money. There have been many situations where someone sacrificed liability coverage limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.