Being forced to pay for overpriced auto insurance premiums can deplete your savings account and make it tough to pay other bills. Comparing cost estimates is free and is an excellent way to ensure you are getting the best deal.
It’s astonishing, but most auto insurance buyers in Arizona have purchased from the same company for four years or more, and approximately 38% of consumers have never quoted auto insurance rates at all. The average driver in the United States could pocket about $859 a year just by getting comparison quotes, but they feel it’s too difficult to compare rate quotes. Many auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates to find the best rate on Nissan Juke insurance in Phoenix.
It’s a great practice to get comparison quotes before your policy renews since prices tend to go up over time. If you had the lowest price on Nissan Juke insurance in Phoenix a couple years back there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you’re about to learn how to use online quotes to find great coverage at a great price.
If you have a policy now or are looking for a new policy, you can use these tips to find better prices without sacrificing coverage. Finding the cheapest coverage in Phoenix is quite easy. Smart shoppers just need to understand the proper way to get comparison quotes using one simple form.
Companies offering Nissan Juke insurance in Phoenix
The companies shown below provide price comparisons in Phoenix, AZ. If multiple companies are shown, we recommend you visit several of them in order to get a fair rate comparison.
Lower-cost Phoenix auto insurance quotes with discounts
Auto insurance is neither fun to buy or cheap, but there are discounts available that you may not even know about. Many discounts should be triggered when you quote, but some need to be specially asked for before you will receive the discount.
- Drive Safe and Save – Safe drivers may save up to 50% more than drivers with accidents.
- Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
- Multiple Cars – Buying insurance for primary and secondary vehicles on one policy can get a discount for every vehicle.
- Safety Course Discount – Passing a safe driver class could earn you a small percentage discount and make you a better driver.
- Professional Memberships – Joining a civic or occupational organization in Phoenix could qualify you for a break on your bill.
- Discount for New Cars – Buying a new car model may earn a small discount since new model year vehicles are generally safer.
- Senior Citizens – Drivers that qualify as senior citizens can possibly qualify for lower premium rates.
Discounts lower rates, but some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, you’re out of luck.
The best auto insurance companies and some of their more popular discounts are detailed below.
- Progressive offers discounts for multi-policy, continuous coverage, good student, online quote discount, online signing, multi-vehicle, and homeowner.
- MetLife has discounts for claim-free, defensive driver, multi-policy, good student, and accident-free.
- Mercury Insurance offers premium reductions for good driver, good student, type of vehicle, annual mileage, professional/association, accident-free, and low natural disaster claims.
- Nationwide includes discounts for anti-theft, multi-policy, business or organization, accident-free, Farm Bureau membership, and family plan.
- GEICO policyholders can earn discounts including driver training, five-year accident-free, defensive driver, anti-theft, multi-policy, military active duty, and seat belt use.
- AAA discounts include multi-car, multi-policy, education and occupation, good student, pay-in-full, AAA membership discount, and good driver.
If you are trying to find affordable Phoenix car insurance quotes, ask every company to give you their best rates. Depending on the company, some discounts may not apply to policyholders in your state.
What is the best car insurance coverage?
Keep in mind that when it comes to choosing insurance from an agent or online for your personal vehicles, there really isn’t a “perfect” insurance plan. Your needs are not the same as everyone else’s.
For example, these questions could help you determine if your situation might need professional guidance.
- What is UM/UIM insurance?
- Will I lose any money if I cancel my policy before it expires?
- Are my friends covered when driving my Nissan Juke?
- Is my vehicle covered by my employer’s policy when using it for work?
- Is my camper covered for physical damage?
- Why am I required to get a high-risk car insurance policy?
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.
When to have guidance from a local insurance agent
Some people just want to go talk to an agent and we recommend doing that Professional insurance agents can help you choose the best coverages and give you someone to call. One of the best bonuses of comparing insurance prices online is that you can find lower rates and also buy local. And providing support for neighborhood agents is especially important in Phoenix.
To help locate an agent, after submitting this quick form, your information gets sent to companies in Phoenix that can give you free Phoenix car insurance quotes for your coverage. There is no need to search for any insurance agencies due to the fact that quote results will go to you instantly. If for some reason you want to get a comparison quote from one company in particular, you just need to navigate to their website and fill out their quote form.
Choose an insurance agent wisely
If you are searching for an insurance agent, you should know the different types of agencies to choose from. Agents in Phoenix are either independent (non-exclusive) or exclusive. Either type can do a good job, but it’s worth mentioning the difference in the companies they write for since it can affect which agent you choose.
Independent Car Insurance Agencies or Brokers
Agents that elect to be independent can sell policies from many different companies and that is an advantage because they can write policies through many companies depending on which coverage is best. If your premiums go up, they can switch companies in-house and that require little work on your part. If you are trying to find cheaper rates, you should always contact at least one independent agent to get the most accurate price comparison.
Listed below is a small list of independent agents in Phoenix who may provide price quote information.
Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map
Exclusive Car Insurance Agencies
These agents work for only one company and examples are State Farm or Allstate. They are unable to give you multiple price quotes so keep that in mind. Exclusive insurance agents are trained well on what they offer and that allows them to sell at a higher price point.
Shown below is a short list of exclusive agencies in Phoenix that can give you price quote information.
Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400 – View Map
Severiano Torres III – State Farm Insurance Agent
1820 N 75th Ave #106 – Phoenix, AZ 85035 – (623) 846-0240 – View Map
Deciding on an car insurance agent should depend on more than just the bottom line cost. Before buying a policy in Phoenix, get answers to these questions.
- Will the agent or a CSR service your policy?
- Does the agent recommend any additional coverage?
- Do they have designations such as AIC, CPCU, or CIC?
- Will the company cover a rental car if your car is getting fixed?
- Are aftermarket or OEM parts used to repair vehicles?
- Is there a local claims center in Phoenix?
- If independent agents, which companies do they recommend?
After talking to the agent and getting positive feedback to any questions you may have as well as the cheapest Nissan Juke insurance in Phoenix quotes, it’s possible that you found an auto insurance agent that can be trusted to properly service your car insurance policy.
More effort can pay off
People switch companies for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, policy non-renewal or delays in paying claims. Regardless of your reason, finding a new car insurance company is not as difficult as it may seem.
Lower-priced Nissan Juke insurance in Phoenix can be bought on the web as well as from independent agents in Phoenix, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not have internet price quotes and most of the time these small insurance companies provide coverage only through independent agents.
While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an insured dropped full coverage and learned later that the small savings ended up costing them much more. Your objective should be to get the best coverage possible for the lowest cost, but do not skimp to save money.
Helpful learning opportunities
- What is Full Coverage? (Allstate)
- What Insurance is Cheapest for a Nissan Rogue in Phoenix? (FAQ)
- Who Has the Cheapest Car Insurance Rates for High School Students in Phoenix? (FAQ)
- What Insurance is Cheapest for 19 Year Olds in Phoenix? (FAQ)
- Who Has Cheap Phoenix Auto Insurance for 17 Year Olds? (FAQ)
- Who Has Cheap Phoenix Auto Insurance Quotes for a Ford Explorer? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Toyota Highlander in Phoenix? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Steps to Take After an Auto Accident (Insurance Information Institute)