How to Know You're Throwing Money Away for Auto Insurance in Willcox

Tired of being strong-armed each month for car insurance? You're in the same situation as many other Arizona drivers.

Because you have many insurance companies to choose from, it can be diffult for consumers to find the best company.

It's important to compare prices once or twice a year since insurance rates are constantly changing. Even if you got the best price a couple years back you can probably find a better price now. Ignore everything you know about auto insurance because you're about to learn the only way to lower your rates without sacrificing coverage.

Finding affordable coverage in Willcox is quite easy. If you have car insurance now, you should be able to lower your premiums substantially using this information. Nevertheless, Arizona vehicle owners do need to know the methods companies use to price online insurance and apply this information to your search.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the rating factors that go into determining auto insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Listed below are a few of the "ingredients" used by your company to calculate rates.

  • Battle of the sexes - The statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that women are BETTER drivers than men. Women and men have accidents in similar percentages, but the males cause more damage. They also have more aggressive citations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high auto insurance rates.
  • Lower rates with optional equipment - Driving a car with an alarm system can help lower your rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your vehicle from being stolen.
  • Do you know you're credit rating? - Credit score is a important factor in your rate calculation. If your credit is lower than you'd like, you could save money insuring your by improving your rating. People with high credit scores tend to be more responsible than drivers with poor credit.
  • One company can mean more discounts - Most auto insurance companies will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to comparison shop to verify if the discount is saving money. You may still be able to find better rates by buying auto insurance from a different company.
  • Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as lawyers, executives and stock brokers have the highest rates because of job stress and lengthy work days. On the other hand, occupations like farmers, students and homemakers get better rates.
  • Protect your assets with liability insurance - Liability insurance will protect you if ever a jury decides you are liable for personal injury or accident damage. It provides for a legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Too many auto insurance claims drive up costs - Car insurance companies in Arizona give discounts to policyholders who do not file claims often. If you file claims often, you can expect either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.

Willcox auto insurance comparison

How much can you save with discounts?

Companies that sell car insurance don't always list all their discounts very well, so we took the time to find some of the best known as well as the least known ways to save on auto insurance.

  • Senior Discount - If you're over the age of 55, you may qualify for a small decrease in premiums.
  • Lower Rates for Military - Having a family member in the military could mean lower rates.
  • Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Bundle and Save - If you insure your home and vehicles with one company you will save up to 20% off your total premium.
  • Claim Free - Claim-free drivers can save substantially as compared to accident-prone drivers.
  • Organization Discounts - Affiliation with a professional or civic organization could trigger savings on auto insurance.
  • Driver's Ed - Cut your cost by having your teen driver complete a driver education course in school.
  • Defensive Driver - Completing a course teaching defensive driving skills could save 5% or more if your company offers it.

Consumers should know that most discount credits are not given to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, companies don't profit that way.

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

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

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to make the same claim of big savings if you switch your coverage to them. But how can every company say the same thing?

All companies can use profiling for the type of customer that makes them money. For example, a desirable insured might be profiled as over the age of 40, has no tickets, and drives less than 10,000 miles a year. A propective insured who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will have to pay more money which leads to business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. That's why insurance companies can confidently advertise the way they do. Because of the profiling, you should get quotes from several different companies. It's not possible to predict the company that will provide you with the cheapest rates.

More tips and info about auto insurance can be found at the Arizona Department of Insurance website. Arizona drivers can learn about insurance regulations, view a list of available companies, find out industry alerts, and read consumer alerts.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Willcox.

compare Willcox auto insurance rates

Affordable insurance is out there

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There are many occasions where an insured dropped physical damage coverage only to regret at claim time that the savings was not a smart move. Your aim should be to buy enough coverage at a price you can afford.

Cost effective auto insurance can be found on the web as well as from independent agents in Willcox, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.