Want more competitive Mazda 2 insurance in Phoenix? Scraping up a payment for high-priced Mazda 2 insurance in Phoenix can take a big chunk out of your accounts and maybe even restrict other spending. Performing a price comparison can help to slash your bill and have more diposable income.
Sadly, most insurance buyers in Arizona have stayed with the same insurance company for a minimum of four years, and almost 40% of drivers have never compared rates from other carriers. Most drivers in the U.S. could save $859 a year, but they don’t know how much savings they would realize if they just switched companies. Because you have many companies and agents to choose from, it is very difficult to choose the right insurance company.
It is always a good idea to do rate comparisons quite often since prices change frequently. If you had the best rates on Mazda 2 insurance in Phoenix a few years ago there may be better deals available now. Forget all the misinformation about insurance because you’re about to learn the easiest way to get good coverage on Mazda 2 insurance in Phoenix at a lower rate.
Locating the most cost-effective insurance policy in Phoenix is not that difficult. If you are insured now, you will definitely be able to reduce premiums using these tips. Consumers just need to use the proper way to find the lowest price from many different companies.
Cheapest Mazda insurance rates in Phoenix
The companies shown below are ready to provide comparison quotes in Arizona. If several companies are displayed, it’s a good idea that you visit two to three different companies to get a more complete price comparison.
Get cheaper rates by taking advantage of discounts
Some companies don’t necessarily list the entire discount list very clearly, so the following list contains some of the best known and the more hidden savings tricks you should be using when you buy Phoenix car insurance online.
- Senior Citizen Rates – If you’re over the age of 55, you may qualify for a small decrease in premiums.
- Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control are safer to drive so companies give up to a 10% discount.
- Full Payment Discount – By paying your policy upfront rather than spreading payments over time you can avoid the installment charge.
- Own a Home – Being a homeowner can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
- Safe Driver Discount – Insureds who avoid accidents could pay up to 40% less as compared to drivers with claims.
- Military Deployment Discount – Being on active duty in the military may lower your prices slightly.
- Savings for New Vehicles – Buying a new car instead of a used 2 can get you a discount because newer vehicles are generally safer.
- Accident Forgiveness – This one is not really a discount per se, but companies like GEICO and Allstate may permit one accident without getting socked with a rate hike as long as you don’t have any claims prior to the accident.
Remember that most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, nobody gets a free ride. But all discounts should help reduce your premiums.
Some of the larger companies that may offer most of the discounts above include:
When comparing rates, check with every company how you can save money. Some discounts listed above may not apply to policies in Phoenix. If you would like to see a list of providers who offer discounts in Arizona, click here to view.
How to know if you need help
When quoting and choosing the right insurance coverage, there is no one-size-fits-all type of policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions may help highlight if you might need an agent’s assistance.
- Am I covered when driving on a suspended license?
- Is my Mazda 2 covered if I use it for business?
- Are there any extra discounts I can get?
- When can my company non-renew my policy?
- Why am I be forced to buy a membership to get insurance from some companies?
- How much liability coverage do I need in Arizona?
- Am I better off with higher deductibles on my Mazda 2?
- Do I have coverage for damage caused while driving under the influence?
- Do I have ACV or replacement cost coverage?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.
Do I need an agent?
A small number of people just prefer to buy from a licensed agent and that is OK! Licensed agents are trained to spot inefficiencies and help submit paperwork. The best thing about comparing car insurance online is that drivers can save money and get lower rates and also buy local.
By using this form (opens in new window), the quote information is immediately sent to companies in Phoenix who can give free rate quotes for your coverage. There is no need to drive around because prices are sent directly to you. In the event you want to get a comparison quote from a particular provider, you can always jump over to their website and complete a quote there.
Choosing the best insurer requires you to look at more than just a low price. The answers to these questions are important, too.
- Do they regularly work with personal auto policies in Phoenix?
- What discounts might you be missing?
- Who is covered by the car insurance policy?
- Can glass repairs be made at your home?
- If you raise deductibles, how much can you save?
Car insurance ads bend the truth
Arizona consumers can’t get away from ads that promise big savings from the likes of GEICO, State Farm and Progressive. They all seem to convey the message about saving some big amount if you change your car insurance coverage to their company.
How can each company charge lower premium rates? It’s all in the numbers.
Many companies have strict underwriting profiles for the type of driver that is profitable for them. An example of a profitable insured could possibly be over the age of 35, has a low-risk occupation, and has excellent credit. Any customer that hits that “sweet spot” is entitled to the best price and as a result will probably save if they switch.
Drivers who do not fit the “perfect” profile will see a more expensive rate which usually ends up with business going elsewhere. If you pay attention, the ads say “drivers who switch” not “all people who quote” can get the lowest rates when switching. That’s why companies can truthfully make those claims. This really drives home the point why it is so important to get Phoenix car insurance quotes from several different companies. Because without a comparison, you cannot know which company will have the lowest rate quotes.
Be persistent and save
We covered many ways to get a better price on Mazda 2 insurance in Phoenix. The key thing to remember is the more you quote Phoenix car insurance, the more likely it is that you will get a better rate. You may even discover the best price on insurance is with an unexpected company. Some small companies may often insure only within specific states and give better rates than their larger competitors like State Farm or Progressive.
Cheaper Mazda 2 insurance in Phoenix can be purchased both online and from local agencies, and you need to comparison shop both to have the best selection. There are still a few companies who may not provide online rate quotes and most of the time these small, regional companies sell through independent agents.
When getting Phoenix car insurance quotes online, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at the best cost and still be able to protect your assets.
Additional detailed information can be found at these sites:
- Crash Avoidance Technologies FAQ (iihs.org)
- How Much is Phoenix Auto Insurance for Drivers with a DUI? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers with Accidents in Phoenix? (FAQ)
- Who Has Cheap Phoenix Auto Insurance Quotes for Drivers with Good Credit? (FAQ)
- Who Has Affordable Auto Insurance for Young Drivers in Phoenix? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- Insuring a Leased Car (Insurance Information Institute)
- Comprehensive Coverage (Liberty Mutual)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)