How Much is Car Insurance for Low Income Drivers in Arizona?

The words “economical” and “insurance” really shouldn’t be used in the same sentence, especially when looking for the cheapest coverage for low income drivers. Because it’s not cheap, let’s open your eyes to a few of the things that can significantly affect insurance rates, and figure out some ways to cut the cost of the next policy you buy.

Establishing which companies have the lowest-priced insurance rates for low income drivers will require more work than just comparing rates from one or two companies. Every insurance company has a different process to set their prices, so let’s take a look at the most affordable insurance companies in Arizona.

It’s important that readers know that Arizona insurance rates are based on many factors that may substantially change the policy premium. Getting older, filing a claim, or getting a driving violation can produce rate changes that can cause some rates to be affordable when they were higher priced.

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The Hartford generally has some of the best car insurance rates in Arizona at around $820 each year. Auto-Owners, Safeco, USAA, and Travelers would also make the list of some of the cheapest Arizona auto insurance companies.

As shown in the rates above, if you currently buy coverage from Auto-Owners and switched to The Hartford, you could see a yearly price reduction of around $95. Insureds with Safeco might save as much as $112 a year, and USAA customers might reduce rates by $260 a year.

To find out how much you can save, click here to start your free quote or visit several of the following companies.

These policy prices are averages across all drivers and vehicles and are not factoring in a rate decrease for low income drivers. So the company that fits you best may not even be included in the list above. That emphasizes why you need to get auto insurance quotes using your own personal information and vehicle type.

When shopping for cheaper insurance for poor drivers, one of the many criteria that play a part in determining car insurance rates is where you choose to live in Arizona. Cities with larger populations like Phoenix, Glendale, and Buckeye are more likely to have higher rates, whereas areas with less congestion benefit from having to pay less for coverage.

The following table displays the most expensive cities in Arizona for low income drivers in which to buy car insurance.

Price information shown is approximated as specific Arizona zip code can raise or lower rates significantly.

How to find a good Arizona insurance company

Finding the top insurance provider can be difficult considering how many companies there are to choose from in Arizona. The ranking information below can help you decide which insurers you want to consider when shopping insurance around for low income drivers. The ratings below are only made up of companies with a national presence, so smaller companies are not taken into consideration for the list.

Top 10 Major Auto Insurers in Arizona Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. GEICO – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Titan Insurance – A+
8. Progressive – A+
9. Mercury Insurance – A+
10. Allstate – A+

Top 10 Major Auto Insurers in Arizona Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Best rates: State Farm, Allstate, Progressive, or Geico

If you are shopping around for auto insurance for poor drivers in Arizona, four companies to definitely compare rates with are State Farm, Allstate, Progressive, and Geico. If you put them all together, they insure about 50% of all vehicles in the U.S.. They all offer your standard coverages, but each one has a slightly different mix of options and features that add value to each policy. The next table compares ratings for price and service, as well as some optional coverages you can expect with each one.

Ideas for finding economical auto insurance for low income drivers

It’s not impossible to find cheaper rates, and here are some of the better money-saving solutions that can help you find cheap coverage.

• Drivers with good credit ratings often pay less
• Increase the comprehensive and collision deductibles on your policy
• Remain accident-free and save
• Try paying for small claims out-of-pocket
• Do not get tickets
• Bundle home or renters insurance to earn a discount on car insurance
• Shop your coverage around for the best deal

The last tip is incredibly significant, as we pointed out in this write-up. Car insurance rates can be modified anytime, so drivers shouldn’t be reluctant to switch carriers if you can find a cheaper rate.

Loyalty to a specific company is fine, but it’s not a good idea if it’s costing you money that could be used for better things. If you have a few minutes, shop around to find cheaper car insurance for low income drivers.

Cheap insurance quotes for poor drivers

You have a lot of ways to compare insurance quotes in Arizona, but the most common methods are from an exclusive agency like Allstate or Auto-Owners, an independent or non-exclusive agent, or buying direct from a company like Geico or Progressive.

You can use whichever you prefer, but they differ in how they function.

Independent insurance agents are appointed by several companies and can compare coverage rates with every one. Agents of this type can get prices from more than one company, which may provide you with improved odds of finding cheaper coverage. If premiums increase, it’s easy for the agent to move the policy and you do not have to find a new agent.

An exclusive agent is ‘exlusive’ to one company, two examples being a State Farm or Liberty Mutual agent. They are unable to compare rates from other companies, so you will not be able to compare other companys’ rates.

Buying from a direct company means bypass either of the other two types of agents and instead buy from a direct company like Progressive or Geico. Buying direct can be good for consumers who have lower risk management needs and have a decent understanding of what insurance covers.

So what is the best way to find cheap auto insurance for low income drivers in Arizona? The majority of people assume that buying from a direct company saves money because there are no middleman commissions, but that is generally not the case. We could also assume that buying from an independent agent is the best way because they can quote many companies, but again, that’s not accurate. And often times, exclusive agencies have coverage prices well below independent agents AND direct companies.

Because there is so much variation in insurance prices, the one way to get rock-bottom rates is to obtain price quotes and compare them. Smart shoppers will get rate quotes from all three to give yourself enough choices. For a list of companies with online discounts, click here to view.