I can't think of anyone who looks forward to buying car insurance, particularly when their premiums are too high.
Shockingly, a large majority of drivers renewed their policy with the same company for more than four years, and about 40% of consumers have never compared rates from other carriers. The average driver in Arizona could save themselves as much as 50% a year, but most undervalue the actual amount they would save if they moved their coverage to a different company.
You have so many car insurance companies to choose from, and even though it's nice to have a selection, so many choices can make it hard to find the best rates for your vehicles.
It is always a good idea to compare rates occasionally due to the fact that insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal on car insurance at your last renewal the chances are good that you can find a lower price today. There are lots of tips to save on car insurance on the internet, but in this article, you're going to get the best ways to find cheap car insurance in Glendale.
Keep in mind that obtaining a wide range of quotes will enable you to find better pricing.
The car insurance companies shown below have been selected to offer price comparisons in Glendale, AZ. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Extended Cab 2WD||$928||$464||$77|
|Chevrolet Silverado LT Regular Cab||$1,230||$615||$103|
|Dodge Grand Caravan Hero||$790||$395||$66|
|Dodge Ram Quad Cab ST 4WD||$974||$487||$81|
|Ford Escape XLS 2WD||$880||$440||$73|
|Ford F-150 XL Crew Cab 4WD||$1,014||$507||$85|
|Ford Focus S 4-Dr Sedan||$1,014||$507||$85|
|GMC Sierra SL Extended Cab 2WD||$1,166||$583||$97|
|Honda Accord EX-L 4-Dr Sedan||$756||$378||$63|
|Honda CR-V EX 4WD||$994||$497||$83|
|Honda Civic DX 4-Dr Sedan||$758||$379||$63|
|Honda Odyssey EX W/Rear Entertainment||$776||$388||$65|
|Jeep Grand Cherokee Laredo 2WD||$946||$473||$79|
|Nissan Altima 3.5 SR 2-Dr Coupe||$854||$427||$71|
|Toyota Camry SE||$868||$434||$72|
|Toyota Corolla S||$882||$441||$74|
|Toyota RAV4 Limited 4WD||$946||$473||$79|
|Volkswagen Jetta LE 4-Dr Sedan||$1,008||$504||$84|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in your specific Glendale location which can modify premiums significantly.
Insurance rate increases from tickets or accidents
The illustration below illustrates how violations and at-fault collisions impact Ford Focus auto insurance rates for different age groups of insureds. The premium estimates are based on a married female driver, full coverage, $250 deductibles, and no additional discounts are factored in.
Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.
The illustration below demonstrates how deductibles and can impact Kia Optima insurance rates for each age group. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.
Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.
Full coverage rates compared to liability-only
The information below shows the comparison of Hyundai Sonata premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premiums are based on no accidents or driving violations, $1,000 deductibles, married female driver, and no policy discounts are applied.
Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.
When to switch to liability coverage only
There is no clear-cut formula for excluding physical damage coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let's say your Hyundai Sonata replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If it's costing you more than $600 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are some cases where eliminating full coverage is not recommended. If you haven't paid off your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Why you need car insurance
Despite the high cost of buying insurance in Glendale, car insurance is required by state law in Arizona and it also provides benefits you may not be aware of.
First, the majority of states have minimum liability requirements which means you are required to carry a specific level of liability in order to get the vehicle licensed. 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 you bought your car with a loan, it's guaranteed your bank will make it a condition of the loan that you buy insurance to protect their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your vehicle for a much higher rate and make you pay for the expensive policy.
Third, insurance safeguards your car and your assets. It will also provide coverage for all forms of medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, will also pay to defend you if anyone sues you for causing an accident. If your vehicle gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of buying car insurance greatly outweigh the cost, particularly if you ever have a claim. The average driver in America overpays more than $820 a year so you should quote your policy with other companies each time the policy renews to save money.
Why you might pay higher rates in Glendale
Consumers need to have an understanding of some of the factors that come into play when calculating the level of your policy premiums. If you understand what controls the rates you pay, this allows you to make educated decisions that may result in big savings. Many different elements are part of the calculation when premium rates are determined. A few of the factors are predictable such as your driving history, although others are not quite as obvious such as your credit history or your financial responsibility.
The following are just a few of the factors car insurance companies consider when setting premiums.
Your vocation can affect rates - Careers like judges, air traffic controllers, and dentists tend to have the highest average rates due to high stress and long work days. On the flip side, careers like actors, historians and retirees pay the least.
Safer occupants lowers rates - Safe vehicles tend to have lower insurance rates. Highly rated vehicles reduce the chance of injuries and any reduction in injury severity translates directly to fewer claims and cheaper rates on your policy. If your vehicle earned at least four stars on Safercar.gov or an "acceptable" rating on iihs.org you may qualify for a discount.
Don't get traffic citations - Having a single moving violation can increase rates by twenty percent. Drivers who don't get tickets get better prices than bad drivers. Drivers who have serious violations like DUI or reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
Small claims can cost you - Car insurance companies in Arizona give the best rates to drivers who are claim-free. If you tend to file frequent claims, you can look forward to higher premiums or even policy non-renewal. Auto insurance is designed for major claims that would cause financial hardship.
Don't cut corners with liability - A critical coverage on your policy, liability insurance is the coverage that protects you if you are responsible for personal injury or accident damage. It provides for a legal defense which can cost a lot. It is affordable coverage compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Single drivers may get higher rates - Walking down the aisle may cut your premiums on your car insurance bill. It means you're more mature and responsible and insurance companies reward insureds because married drivers get in fewer accidents.
Drive a fast car, truck or SUV and pay more - The performance of the vehicle you own makes a significant difference in how high your rates are. Economy passenger cars generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
Prices and your address - Residing in areas with lower population can be a good thing when insuring your vehicles. Less people living in that area corresponds to lower accident rates. Residents of big cities tend to have much more traffic and a longer drive to work. Spending more time driving means higher likelihood of an accident.
Affordable rates on auto insurance with these discounts
Some providers don't list every available discount in an easy-to-find place, so we took the time to find a few of the more well known and also the more inconspicuous credits available to lower your premiums when you buy Glendale car insurance online.
- Claim Free - Glendale drivers who stay claim-free pay less compared to accident-prone drivers.
- Early Payment Discounts - If paying your policy premium upfront rather than paying in monthly installments you can actually save on your bill.
- Policy Bundle Discount - When you have multiple policies with the same insurance company they may give you a discount of nearly 15% which can help you find low cost Glendale car insurance.
- Sign Early and Save - Select auto insurance companies give a discount for buying a policy early. Ten percent is about the average savings.
- Seat Belts Save more than Lives - Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.
- Smart Student Discounts - A discount for being a good student may save as much as 25% on a Glendale car insurance quote. Most companies allow this discount up to age 25.
- Accident Forgiveness Coverage - Not really a discount, but a few companies such as Allstate, State Farm and GEICO permit an accident before raising your premiums as long as you don't have any claims for a set time period.
Please keep in mind that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride. Any qualifying discounts should definitely cut your premiums.
The best auto insurance companies and some of the premium reductions they offer can be found below.
- State Farm has savings for student away at school, good student, safe vehicle, multiple policy, and defensive driving training.
- Nationwide may include discounts for Farm Bureau membership, accident-free, good student, defensive driving, and easy pay.
- GEICO offers discounts for federal employee, five-year accident-free, multi-vehicle, emergency military deployment, air bags, and military active duty.
- AAA policyholders can earn discounts including good driver, multi-car, good student, multi-policy, and education and occupation.
- 21st Century discounts include air bags, automatic seat belts, theft prevention, early bird, and 55 and older.
- The Hartford offers premium reductions for good student, vehicle fuel type, anti-theft, driver training, defensive driver, and bundle.
If you want cheap Glendale car insurance quotes, ask every insurance company which discounts you qualify for. Some discounts may not apply to policyholders in Glendale. If you would like to see a list of providers who offer cheap auto insurance quotes in Arizona, click here.
Insurance is unique, just like you
Always remember that when buying coverage, there isn't really a one-size-fits-all type of policy. Everyone's situation is unique.
These are some specific questions may help highlight whether or not you might need professional guidance.
- What discounts do I qualify for?
- How can I find cheaper teen driver insurance?
- Should I rate my vehicle as business use?
- How much cheaper are high deductibles?
- Should I buy only the required Arizona minimum liability coverage?
- Are my friends covered when driving my vehicle?
- Should I get collision insurance on every vehicle?
- How do I insure my teen driver?
- Which companies will insure high-risk drivers?
- What if I don't agree with a claim settlement offer?
If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don't have a local agent, simply complete this short form.
Compare rates but buy from a local Glendale insurance agent
Many people still like to talk to an insurance agent and that is recommended in a lot of cases A nice benefit of comparing car insurance online is the fact that drivers can get better rates but still work with a licensed agent. Putting coverage with neighborhood agents is still important in Glendale.
After completing this form (opens in new window), your information is instantly submitted to companies in Glendale who will give you quotes for your insurance coverage. There is no reason to contact an agency since rate quotes are delivered to the email address you provide. You can most likely find cheaper rates AND an agent nearby. If you have a need to quote rates for a specific company, just visit that company's website and fill out their quote form.
If you need to find an insurance agent, you must know there are a couple different types of agencies from which to choose. Car insurance agencies can be classified as either independent agents or exclusive agents depending on their employer.
These agents are not employed by one company so they have the ability to put coverage through many different car insurance companies and get the cheapest rates. If they quote lower rates, your agent can just switch to a different company without you having to go to a different agency.
When comparing rates, we highly recommend that you include price quotes from at a minimum one independent agency for the best price selection.
Shown below is a small list of independent agencies in Glendale that can give you pricing information.
Northwest Insurance Agency
7115 N 55th Ave - Glendale, AZ 85301 - (623) 688-1844 - View Map
Exclusive Car Insurance Agents
These type of agents are contracted to one company and examples are Allstate and State Farm. They generally cannot compare other company's rates so always compare other rates. Exclusive agents receive a lot of sales training on sales techniques which helps them compete with independent agents.
Listed below are Glendale exclusive agencies who can help you get comparison quotes.
Deciding on a insurance agency is decision based upon more than just a cheap quote. These are some questions you should get answers to.
- Do they make recommendations based only on price?
- What are their preferred companies if they are an independent agency?
- Which insurance company do they prefer to write with?
- Does the company have a solid financial rating?
- Can they provide you with a list of referrals?
- Does the agency provide any after hours assistance?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
Once you have received good responses as well as offering an affordable quote, most likely you have located an auto insurance agent that is reputable and can properly insure your vehicles. But remember, once you purchase a policy you can cancel your coverage whenever you want so don't feel you are locked into any specific agency for the full term.
Smart consumers save more
When buying insurance coverage, it's a bad idea to skimp on coverage in order to save money. In many instances, an insured dropped uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at the best price.
Insureds switch companies for a number of reasons such as policy non-renewal, unfair underwriting practices, denial of a claim and even delays in responding to claim requests. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.
Some insurance providers may not offer the ability to get quotes online and most of the time these small insurance companies sell through local independent agencies. Budget-friendly auto insurance in Glendale is attainable online and from local agencies, and you should compare rates from both in order to have the best chance of saving money.
Much more information about auto insurance in Arizona is located at the links below
- Collision Insurance Coverage (Nationwide)
- Who Has Affordable Phoenix Car Insurance Quotes for a 20 Year Old Male? (FAQ)
- Who Has Cheap Auto Insurance Rates for Immigrants in Phoenix? (FAQ)
- Who Has the Cheapest Phoenix Car Insurance Quotes for Active Military? (FAQ)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Auto Theft Statistics (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)
- Older Drivers FAQ (iihs.org)