Cheapest Auto Insurance Quotes for Government Employees in Arizona

Wouldn’t life be great if you could just know the company that has the best auto insurance prices for government employees? It’s not that simple, unfortunately, as there are a whole slew of unknown factors like the number of miles you drive each year, the crash test ratings of your vehicle, and the amount of liability coverage you want, that all have an effect on the price. This article will detail some of these topics and will hopefully give you a good beginning to your search for cheaper coverage.

Establishing which company offers the most affordable car insurance rates for government employees requires a bit more effort than just comparing rates from one or two companies. Every auto insurer has a different process for filing rates in each state, so we will examine the lowest cost car insurance companies in Arizona.

Keep in mind that Arizona car insurance rates are impacted by many factors which can substantially change the cost of coverage. Simply having another birthday, buying a different vehicle, or getting a ticket for careless driving may prompt premium changes that can now make some companies cheaper than competitors.

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The Hartford has some of the lowest car insurance rates in Arizona at around $836 each year. Safeco, Auto-Owners, USAA, and Travelers also qualify as some of the more affordable Arizona auto insurance companies.

As shown in the table above, if you have coverage with Travelers and switched to Safeco, you could see a yearly savings of in the neighborhood of $214. Insureds with Progressive may save as much as $247 a year, and GEICO insureds might realize rate reductions of up to $261 a year.

Remember that these prices are averages for all drivers and vehicles and do not factor in a rate discount for government employees. So the auto insurance company that has the lowest price for you may not even be included in the above rate chart. That illustrates why you need to compare as many prices as possible using your own driver data and vehicle information.

When shopping for car insurance for state and federal workers, one of the many criteria that car insurance companies use when figuring insurance cost is where you keep your vehicle in Arizona. Areas with high crime rates or more dense population like Avondale, Glendale, and Gilbert will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The information below lists the higher priced cities in Arizona for government employees to buy auto insurance in.

Table data uses approximated as specific location information can modify rates significantly.

Discounts on the cheapest auto insurance for government employees in Arizona

Car insurance companies that offer quotes for government employees may also give you rate discounts that can lower rates by as much as 30% if you can meet the requirements. A list of car insurance companies and some of the discounts can be read below.

• State Farm may include discounts for driver’s education, anti-theft, accident-free, multiple policy, student away at school, and good driver.
• Esurance may offer discounts for anti-theft, safety device, online quote, good driver, renters, and multi-car.
• Progressive includes discounts for continuous coverage, online signing, homeowner, good student, multi-vehicle, and online quote discount.
• Liberty Mutual has discounts for teen driver discount, newly retired, new vehicle discount, hybrid vehicle, multi-car, new graduate, and new move discount.
• Auto-Owners Insurance discounts include anti-theft, teen driver, anti-lock brakes, paperless, and student away at school.
• GEICO policyholders can earn discounts including anti-lock brakes, anti-theft, five-year accident-free, emergency military deployment, federal employee, and multi-policy.

The illustration below shows the comparison of auto insurance rates with and without discounts applied to the policy premium. Data assumes a male driver, no claims or driving citations, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with claim-free, anti-theft, safe-driver, marriage, vehicle safety, and defensive driving course discounts applied. With discounts applied, the the average yearly reduction on car insurance for government employees is 28% or $587.

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Violations and accidents raise rates

The easiest method to earn the cheapest auto insurance for government employees in Arizona is to be an attentive driver and avoid accidents and violations. The information below highlights how speeding tickets and fender-benders impact premium costs for different age categories. The information is based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2547,3107,3669],[‘Age 30’, 1343,1903,2465],[‘Age 40’, 1287,1849,2413],[‘Age 50’, 1177,1737,2303],[‘Age 60’, 1157,1719,2279],[‘Age 70’, 1323,1887,2451]]);var options = {title: ‘Violations, Accidents, and Arizona Auto Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Arizona’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of car insurance in Arizona per year with no accidents or violations is $1,472. Factor in two speeding tickets and the average cost increases to $2,034, an increase of $561 each year. Now add in one accident along with the two speeding tickets and the yearly cost of car insurance for government employees increases to an average of $2,597. That’s an increase of $1,124, or $94 per month, just for being a little careless behind the wheel!

Tips for finding economical auto insurance for government employees

The list below details some of the better penny-pinching solutions that can help you locate low-cost auto insurance.

• Clean up your credit
• Buying home and auto together can help save money
• On older vehicles, drop full coverage
• Raise comprehensive and collision coverage deductibles
• If possible, pay for small claims out-of-pocket
• Vehicles with good safety ratings have lower liability rates
• Compare rates once a year for cheaper prices

The last idea is very necessary, as we hit on in the article above. Insurance rates vary greatly, so don’t be afraid to buy a different policy if a lower-cost policy is available.

Staying with the same car insurance company is fine, but it’s not recommended if that dedication is costing potentially thousands of dollars a year. It only takes a couple minutes to compare rates to find cheaper auto insurance for government employees.