Consumer Tested Strategies to Save on Winslow Auto Insurance

Scraping up a payment for overpriced auto insurance can dwindle your savings account and put a big crunch on your finances. Doing a price comparison is a smart way to lower your monthly bill.

You have so many to pick from, and even though it's nice to be able to choose, lots of choices makes it harder to compare rates.

The purpose of this post is to help educate you on the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. But Arizona drivers do need to know the methods companies use to compete online.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that could result in big savings.

The following are some of the items that factor into premiums.

Policy add-ons can waste money - There are a ton of add-on coverages that you can get tricked into buying on your auto insurance policy. Coverages for vanishing deductibles, accidental death and membership fees are examples of these. They may seem like a good idea initially, but your needs may have changed so eliminate them to save money.
Marriage pays dividends - Getting married can get you a discount when buying auto insurance. Having a spouse usually means you are more mature than a single person and statistics show married drivers get in fewer accidents.
With age comes lower rates - Teen drivers in Arizona are known to get distracted easily when driving so they pay higher auto insurance rates. Having to add a teenage driver onto your auto insurance can be quite pricey. More mature drivers are more responsible, file fewer claims and are safer drivers.
Where do you drive? - Driving more miles in a year's time the more you'll pay to insure your vehicle. The majority of insurers apply a rate based on how the vehicle is used. Vehicles not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your auto insurance coverage shows the proper vehicle usage.
Drive a safer car and pay less - Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and thus lower rates.
High numbers of claims are not good - Auto insurance companies in Arizona provide lower rates to people who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is designed for the bigger claims that can't be paid out-of-pocket.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, buy you may qualify for discounts to cut the cost considerably. Most are applied at the time of quoting, but some may not be applied and must be asked for before you will receive the discount.

Fewer Miles Equal More Savings - Fewer annual miles could qualify for lower rates on the low mileage vehicles.
Paperless Signup - A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
Student in College - Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
Drivers Education - Cut your cost by having your teen driver enroll in driver's education if it's offered in school.
Driver Safety - Taking part in a course in driver safety could cut 5% off your bill if your company offers it.
Government Employees - Employees or retirees of the government may qualify you for a discount depending on your company.
Discount for New Cars - Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
Payment Method - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
Passive Restraints - Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. So when it seems like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To choose insurers who offer auto insurance discounts in Arizona, follow this link.

Save $429 a year? Really?

21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies say the same thing that you'll save big after switching your policy. How does each company make almost identical claims? It's all in the numbers.

All the different companies have a preferred profile for the right customer that makes them money. A good example of a profitable customer could possibly be over the age of 40, insures multiple vehicles, and has great credit. A driver who fits that profile will get the preferred rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards must pay more money which usually ends up with the driver buying from a lower-cost company. The ads state "customers who switch" but not "drivers who get quotes" save that kind of money. This is how companies can advertise the savings.

This illustrates why you should get quotes from several different companies. It is impossible to predict which insurance companies will give you the biggest savings.

For more Arizona auto insurance information

Much more information about auto insurance in Arizona can be read on the website for the Arizona Department of Insurance found here. Arizona consumers can discover disciplinary actions, get help finding coverage, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Other informative sites include this resource for Arizona auto insurance prices and this page of Winslow insurance agents.

Affordable insurance is out there

Budget-conscious auto insurance can be bought online in addition to many Winslow insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don't buy poor coverage just to save money. There are a lot of situations where drivers have reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.