How long has it been since you sat down and looked for more competitive Ford GT insurance in Phoenix? Having to pay for pricey Ford GT insurance in Phoenix can consume your family’s budget and force you to make tough financial choices. Comparing cost estimates can help to cut your insurance bill.
Astonishing but true, about 70% of customers kept buying from the same company for more than four years, and almost 40% of drivers have never shopped around. With the average insurance premium being $1,578, Arizona drivers could pocket 50% a year, but they just don’t understand the amount of money they would save if they just switched companies. Due to the large number of companies to choose from that have cheaper insurance for a Ford GT in Phoenix, it can be diffult for people to locate the lowest cost company.
It’s smart to get comparison quotes yearly because insurance prices are rarely the same from one policy term to another. If you had the lowest rates on Ford GT insurance in Phoenix on your last policy you may be paying too much now. Forget all the misinformation about insurance because you’re going to get a crash course in the right way to lower your annual insurance bill.
Choosing the best rates in Phoenix can be made easier if you know where to look. If you have a policy now or are just looking to switch companies, you can use these techniques to shop for the lowest rates and still have adequate protection. Vehicle owners only need an understanding of the fastest way to shop their coverage around instantly.
The best way we recommend to compare car insurance rates for Ford GT insurance in Phoenix is to take advantage of the fact most of the bigger providers will pay a fee to give free rates quotes. The one thing you need to do is give the companies some data like the type of vehicles you drive, if you are currently licensed, driver ages, and if you lease or own. That rating data gets transmitted to multiple companies and you get price estimates quickly.
To compare rates for your car now, click here and complete the quick form.
The companies shown below are our best choices to provide comparison quotes in Arizona. If more than one company is shown, we suggest you visit several of them to find the most competitive auto insurance rates.
Ford GT insurance discounts in Phoenix
Some insurance providers don’t always publicize every discount available very clearly, so the below list has a few of the more common and also the lesser-known discounts you could be receiving when you buy Phoenix auto insurance online.
- Defensive Driver – Successfully completing a class that teaches defensive driver techniques could cut 5% off your bill if your company offers it.
- Telematics Devices – Phoenix drivers who agree to allow data collection to monitor where and when they drive by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they exhibit good driving behavior.
- Theft Deterrent – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
- Low Miles Discount – Low mileage vehicles could qualify for cheaper prices.
- Active Military Service – Having a family member in the military could be rewarded with lower rates.
- Early Signing – Some companies reward drivers for buying a policy before your current coverage expires. You may see this discount when you get Phoenix auto insurance quotes online.
You can save money using discounts, but some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as comp or med pay. Just because it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. But any discount should help lower your overall premium however.
Large car insurance companies and some of their more popular discounts include:
- Progressive has savings for continuous coverage, multi-policy, homeowner, online signing, good student, multi-vehicle, and online quote discount.
- The Hartford policyholders can earn discounts including anti-theft, good student, bundle, vehicle fuel type, driver training, and defensive driver.
- Mercury Insurance offers premium reductions for multi-policy, type of vehicle, anti-theft, location of vehicle, good student, multi-car, and accident-free.
- GEICO offers discounts including daytime running lights, emergency military deployment, military active duty, driver training, air bags, and defensive driver.
- AAA has discounts for good student, anti-theft, good driver, multi-policy, AAA membership discount, and pay-in-full.
- State Farm offers discounts for multiple policy, defensive driving training, multiple autos, Steer Clear safe driver discount, and accident-free.
When getting free Phoenix auto insurance quotes, it’s a good idea to every company what discounts are available to you. Depending on the company, some discounts may not apply to policyholders in your area. To see a list of companies with the best Ford GT insurance discounts in Phoenix, click this link.
Compare rate quotes but work with a local Phoenix insurance agency
Many drivers prefer to go talk to an agent and that is OK! Experienced insurance agents can help you choose the best coverages and help submit paperwork. A nice benefit of comparing insurance online is the fact that you can find the lowest rates and still have an agent to talk to.
To help locate an agent, after submitting this short form, the coverage information is sent to participating agents in Phoenix who want to provide quotes for your business. You don’t have to leave your house due to the fact that quote results will go to you instantly. If you need to get a comparison quote from a specific insurance company, you can always search and find their rate quote page to submit a rate quote request.
Finding the right company shouldn’t rely on just the bottom line cost. These questions are important to ask:
- Do they write coverage based solely on cost?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Does the agency have a positive business rating?
- Do they receive special compensation for putting your coverage with one company over another?
- Will they make sure you get an adequate claim settlement?
- Do you qualify for any additional discounts?
Upon receiving reasonable responses to any questions you may have and an acceptable price quote, you may have found a company that can be relied on to properly insure your vehicles. But keep in mind once you purchase a policy you can cancel coverage at any time so don’t assume that you are obligated to any particular company indefinitely.
Informed Consumers Save More
Many different elements are part of the equation when premium rates are determined. Most are fairly basic such as your driving history, but other criteria are more obscure like your continuous coverage and annual miles driven. One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that help calculate your premiums. If you understand what determines base rates, this helps enable you to make changes that could result in lower rates.
Don’t abuse insurance claims – Companies in Arizona generally give lower rates to people who file claims infrequently. If you file a lot of claims you can expect higher rates. Auto insurance is intended for claims that pose a financial burden.
Teenagers vs. mature drivers – More mature drivers tend to be more responsible, tend to cause fewer accidents, and usually have better credit.Youthful drivers are statistically shown to be less responsible in a vehicle so they pay higher insurance rates.
Single drivers take more risk – Having a significant other actually saves money on your insurance bill. Marriage demonstrates that you tend to be more stable financially and statistics show married couples file fewer claims.
Lower rates by increasing deductibles – Protection for physical damage, aka comp and collision, protects your Ford from damage. Examples of covered claims are colliding with a building, collision with an animal, and having your car stolen. The deductibles you choose are the amount of money you are required to spend before a claim is paid by your company. The larger the amount you are required to pay out-of-pocket, the less money you will pay for insurance.
Women tend to be lower risk – The statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Women and men are in auto accidents at a similar rate, but the male of the species get into accidents with more damage. They also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
Vehicle theft costs us all – Owning a car with a theft deterrent system can help lower your premiums. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping auto theft.
Do you really need the extra coverages? – Insurance policies have a lot of additional coverages that you can get tricked into buying if you aren’t diligent. Add-on coverages like roadside assistance, accidental death, and extra equipment coverage are examples of these. These may sound like a good investment when talking to your agent, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for insurance? Jobs such as fire fighters, architects and dentists generally pay higher rates than average in part from stressful work requirements and long work hours. Conversely, occupations such as farmers, historians and homemakers receive lower rates.
Auto insurance in Arizona serves several purposes
Despite the high cost, buying auto insurance serves an important purpose.
- Almost all states have compulsory liability insurance requirements which means state laws require a specific level of liability coverage 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.
- If you bought your GT with a loan, most banks will require that you have physical damage coverage to protect their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Ford at a much higher rate and require you to fork over for it.
- Auto insurance preserves both your assets and your Ford GT. It also can pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of buying auto insurance definitely exceed the price paid, especially with large liability claims. According to a recent study, the average American driver is overpaying over $855 a year so we recommend shopping around at every renewal to help ensure money is not being wasted.
Get the best coverage at the best price
The cheapest Ford GT insurance in Phoenix is attainable on the web in addition to many Phoenix insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and many times these smaller providers only sell coverage through independent agencies.
In this article, we presented quite a bit of information on how to save on Ford GT insurance in Phoenix. It’s most important to understand that the more providers you compare, the higher your chance of finding affordable Phoenix auto insurance quotes. You may even be surprised to find that the lowest car insurance rates are with some of the smallest insurance companies. Some small companies may often insure only within specific states and give better rates than their larger competitors like Progressive and GEICO.
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