Do you get exhausted from sacrificing other expenses to pay auto insurance each month? You are no different than many other Arizona drivers.
A study showed that the vast majority of auto insurance customers in Arizona kept buying from the same company for more than four years, and roughly 40% of drivers have never compared rates to find cheaper insurance. Many drivers in the United States could save themselves up to $850 a year by just comparing rate quotes, but they don’t know how much savings they would realize if they changed companies.
You have so many car insurance companies to pick from, and though it is a good thing to have a selection, more options can take longer to compare company pricing for Mitsubishi Endeavor insurance in Phoenix.
It’s a good idea to quote other rates every six months because rates trend upward over time. Just because you had the lowest rate on Mitsubishi Endeavor insurance in Phoenix six months ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re going to learn the fastest way to find lower rates on auto insurance.
Finding affordable coverage in Phoenix can really be easy if you know what you’re doing. If you have insurance now, you will definitely be able to cut your premiums using these methods. Nevertheless, Arizona vehicle owners can benefit from knowing how the larger insurance companies sell insurance online because rates fluctuate considerably.
Choices You Make Can Impact Your Insurance Rates
It’s important that you understand a few of the rating criteria that play a part in calculating insurance rates. When you know what positively or negatively influences your rates, this enables informed choices that can help you get better insurance rates. Many things are taken into consideration when you quote your car insurance policy. Most are fairly basic such as traffic violations, but others are less apparent such as your marital status or your financial responsibility.
- Infrequent drivers can save – Driving a lot of miles annually the higher your rate. A lot of companies charge rates based on their usage. Autos that sit idle most of the time qualify for better rates than cars that get driven a lot. Having an incorrect usage rating on your Endeavor is throwing money out the window. Ask your agent if your insurance policy correctly shows annual mileage.
- More stress means more cost – Did you know that where you work can have an impact on rates? Jobs like military personnel, social workers and medical professionals have the highest average rates due to job stress and long work hours. Other careers like scientists, students and the unemployed get better rates.
- Multiple policies with one company – Some insurance companies will award a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, consumers should still compare other company rates to confirm you are receiving the best rates possible. You may still find a better deal by splitting coverages up.
- Urban residents pay more – Residing in small towns and rural areas has it’s advantages if you are looking for the lowest rates. Less people corresponds to lower accident rates and lower theft and vandalism rates. People who live in big cities have more aggressive driving styles and more severe claims. More time behind the wheel means a statistically higher chance of an accident.
The method we recommend to compare insurance rates from multiple companies utilizes the fact most insurance companies provide online access to compare their rates. To get started, all you need to do is give them some information including an estimate of your credit level, if a SR-22 is required, what you do for a living, and the make and model of your vehicles. That rating information is then submitted to all major companies and you will get price comparisons instantly to find the best rate.
To find the cheapest Mitsubishi Endeavor insurance rates, click here and see if a lower rate is available in Phoenix.
The following companies are our best choices to provide free rate quotes in Phoenix, AZ. If multiple companies are listed, we recommend you visit two to three different companies in order to find the most competitive rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $162 | $308 | $338 | $20 | $102 | $930 | $78 |
| Endeavor LS AWD | $124 | $252 | $338 | $20 | $102 | $836 | $70 |
| Endeavor SE 2WD | $210 | $388 | $404 | $24 | $122 | $1,148 | $96 |
| Endeavor SE AWD | $224 | $382 | $314 | $18 | $94 | $1,032 | $86 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price information does not factor in specific zip code location which can affect premiums significantly.
Impact of careless driving on auto insurance rates
The information below demonstrates how citations and at-fault accidents can raise Mitsubishi Endeavor insurance premiums for different age categories. The price estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
Gender-based auto insurance premiums
The example below compares Mitsubishi Endeavor insurance premiums for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.
Auto insurance deductibles
The chart below illustrates how your choice of deductibles and can change Mitsubishi Endeavor insurance prices for each different age group. The costs are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.
Don’t believe everything you hear
State Farm, GEICO and Progressive regularly use ads on TV and radio. They all seem to make the point that people will save if you change to them. How is it possible that every company can offer you a better deal on Mitsubishi Endeavor insurance in Phoenix? This is how they do it.
Insurance providers require specific criteria for the type of customer that will not have excessive claims. An example of this type of insured might have to be between 30 and 50, has never had a policy lapse, and drives a safe vehicle. Any new insured who fits those characteristics will get the preferred car insurance rates in Phoenix and will also save some money.
Consumers who are not a match for the ideal profile will see higher premium rates and ends up with business not being written. If you pay close attention to the ads, they say “customers that switch” not “everybody who quotes” save money. That’s the way companies can truthfully state the savings. Different companies use different criteria so drivers must get Phoenix car insurance quotes as often as possible. It is impossible to guess which auto insurance company will have the best prices for your profile.
Why you need vehicle insurance in Arizona
Despite the high cost, insurance is required for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your car has a lien holder, almost every bank will make it mandatory that you buy full coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Mitsubishi for a much higher rate and require you to reimburse them for the much more expensive policy.
Third, car insurance preserves both your Mitsubishi Endeavor and your assets. Insurance will pay for most medical and hospital costs that are the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your Mitsubishi gets damaged, your car insurance policy will cover the damage repairs after a deductible is paid.
The benefits of buying car insurance outweigh the cost, especially for larger claims. According to a recent study, the average American driver is currently overpaying as much as $800 each year so you should quote and compare rates once a year at a minimum to save money.
Score discounts to get cheaper Phoenix insurance rates
Insurance can cost an arm and a leg, but you may qualify for discounts that can help lower your rates. Certain discounts will be triggered automatically at the time you complete a quote, but some discounts are required to be specifically requested before you get the savings.
- Low Mileage – Maintaining low annual mileage may allow you to get slightly better rates than normal.
- Home Ownership Discount – Owning a home in Phoenix can earn you a little savings because maintaining a house is proof of financial responsibility.
- Good Students Pay Less – Being a good student may save you up to 25%. The discount lasts up to age 25.
- Safety Course Discount – Taking time to complete a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
- Passive Restraint Discount – Options like air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
- Organization Discounts – Belonging to qualifying clubs or civic groups could qualify you for a break when getting a Phoenix car insurance quote.
- No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on Phoenix car insurance quote in comparison with drivers with a long claim history.
As a footnote on discounts, some credits don’t apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, it’s just not the way it works.
Auto insurance companies who may offer these benefits may include but are not limited to:
It’s a good idea to ask each company how you can save money. Some of the earlier mentioned discounts might not be offered on policies in Phoenix. To view companies that can offer you the previously mentioned discounts in Arizona, click this link.
Local insurance agents
A small number of people prefer to sit down with an agent and we recommend doing that A nice benefit of comparing insurance online is you can get cheap rate quotes but still work with a licensed agent.
By using this form (opens in new window), your insurance data is immediately sent to local insurance agents who will give you quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to visit any agencies since rate quotes are delivered directly to you. You can find lower rates and work with a local agent. If you wish to get a price quote from a particular provider, you just need to visit that company’s website and fill out their quote form.
Choosing a insurance company should depend on more than just the price. These are valid questions to ask:
- Where would glass claims be handled in Phoenix?
- If your car is in the repair shop, do you have coverage for a rental car?
- How often do they review policy coverages?
- If your car is totalled, how to they determine the replacement cost?
- Does the agency have a current Errors and Omissions policy?
- How much will you save each year by using a higher deductible?
If you get answers to your satisfaction to any questions you may have and cheap Endeavor insurance quotes, you have narrowed it down to a company that can be relied on to service your policy.
More quotes mean more auto insurance savings
When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at a price you can afford, but do not skimp to save money.
You just read many ideas to get a better price on Mitsubishi Endeavor insurance in Phoenix. The key concept to understand is the more you quote Phoenix car insurance, the better your comparison will be. Consumers may even find the biggest savings come from a smaller regional carrier. These smaller insurers often have lower premium rates on specific markets than the large multi-state companies such as Allstate or State Farm.
Additional auto insurance information is located at the links below
- Understanding Car Crashes Video (iihs.org)
- What Car Insurance is Cheapest in Phoenix, Arizona? (FAQ)
- Who Has Affordable Phoenix Auto Insurance Quotes for Low Income Drivers? (FAQ)
- Who Has Cheap Phoenix Car Insurance Quotes for a Honda CR-V? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Prepare your Teens for Safe Driving (InsureUonline.org)