Are you searching for the cheapest Kia Borrego insurance in Phoenix? Are you drained from not being able to scrape enough together to make your car insurance payment? Your situation is no different than many other Arizona consumers.
Unimaginable but true, almost 70% of drivers renewed their policy with the same company for at least four years, and nearly the majority have never taken the time to shop around. Drivers in Arizona could pocket approximately $733 a year by just shopping around, but they don’t believe the actual amount they would save if they switch to a new company.
Because you have many insurance providers from which to choose, it is hard for the average consumer to choose the most affordable company.
Smart consumers take time to quote other rates occasionally because car insurance rates change quite often. If you had the best premium rates on Kia Borrego insurance in Phoenix on your last policy other companies may now be cheaper. Block out anything you think you know about car insurance because we’re going to show you the proper way to find better rates and still maintain coverage.
Save money with these eight discounts
Insurance can be pricey, but you may find discounts that can help lower your rates. Some trigger automatically when you purchase, but some discounts are required to be inquired about before they will apply.
- Responsible Driver Discount – Insureds who avoid accidents can save up to 40% or more on their Phoenix car insurance quote than drivers with accidents.
- Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
- Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts as much as 30%.
- Safety Course Discount – Taking part in a course in safe driver could possibly earn you a 5% discount and make you a better driver.
- Mature Driver Discount – If you qualify as a senior citizen, you may be able to get reduced rates.
- Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving could cut 10% or more on the medical payments or PIP coverage costs.
- Student in College – Older children who attend college more than 100 miles from Phoenix and won’t have access to an insured vehicle can receive lower rates.
- Discount for Life Insurance – Insurance companies who offer life insurance give a discount if you purchase life insurance from them.
You should keep in mind that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. Just because it seems like you could get a free insurance policy, you’re out of luck.
To find insurers with significant discounts in Phoenix, click this link.
The most recommended method to compare car insurance rates for Kia Borrego insurance in Phoenix is to know the fact car insurance companies have advanced systems to quote your coverage. All you need to do is take a few minutes to give details like if a SR-22 is required, how much coverage you want, what you do for a living, and if you’re married. The data is instantly submitted to insurance companies and they return cost estimate instantly to find the best rate.
To compare multiple company cheap Kia Borrego insurance rates now, click here and see if a lower rate is available in Phoenix.
The companies in the list below provide price comparisons in Phoenix, AZ. If several companies are displayed, we recommend you visit several of them to get a more complete price comparison.
Compare prices but work with a local Phoenix insurance agency
Some consumers would prefer to talk to an insurance agent and that is a personal choice. The best thing about comparing rate quotes online is the fact that you can find cheap insurance quotes and still have a local agent. Buying from neighborhood insurance agencies is especially important in Phoenix.
To help locate an agent, after submitting this short form, your information is emailed to insurance agents in Phoenix who will give you bids to get your business. It’s much easier because you don’t need to search for any insurance agencies because prices are sent immediately to you. You can most likely find cheaper rates without the usual hassles of price shopping. If for some reason you want to get a price quote for a specific company, you just need to navigate to their website and fill out their quote form.
Best car insurance agent in Phoenix
If you want to use a reliable agent, you need to know there are two types of insurance agents and how they can quote your rates. Insurance agents can either be independent agents or exclusive agents depending on their employer.
Independent agents do not work for one specific company so they can write business with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you can keep the same agent.
If you need cheaper insurance rates, it’s recommended you check rates from multiple independent agents in order to compare the most rates.
The following is a small list of independent insurance agencies in Phoenix that may be able to give you free rate quotes.
Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel can only provide one company’s prices and examples are Farmers Insurance, Allstate, or State Farm. These agents are unable to give you multiple price quotes so always compare other rates. Exclusive insurance agents are trained well on the products they sell which helps them sell insurance even at higher premiums.
Below are Phoenix exclusive agents willing to provide comparison quotes.
Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088 – View Map
Picking the best car insurance agent should depend on more than just a cheap price. Any agent in Phoenix should be forthright in answering these questions:
- Do they specialize in personal lines coverage in Phoenix?
- Is the agency involved in supporting local community causes?
- Are they able to influence company decisions when a claim is filed?
- Who is covered by the car insurance policy?
- Do they have a Better Business Bureau rating in Phoenix?
If you receive answers to your satisfaction in addition to an acceptable price estimate, you may have just found a car insurance agent that meets your needs to adequately provide insurance. But remember, you are entitled to cancel a policy for any reason so don’t assume that you’re stuck with your new company for the full policy term.
Three reasons auto insurance is important
Despite the fact that auto insurance is not cheap in Phoenix, insuring your vehicle is required in Arizona but also provides important benefits.
- Just about all states have mandatory insurance requirements which means you are required to buy a specific level of liability if you drive a vehicle. 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 have a loan on your vehicle, it’s guaranteed your bank will require you to carry insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank will be required to insure your Kia at a much higher premium rate and force you to reimburse them for the much more expensive policy.
- Insurance protects both your Kia Borrego and your personal assets. Insurance will also pay for most medical and hospital costs for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense in the event you are sued. If your vehicle suffers damage from an accident or hail, your policy will pay to restore your vehicle to like-new condition.
The benefits of having auto insurance are definitely more than the cost, especially if you ever need it. The average driver in Arizona is overpaying more than $700 annually so it’s very important to do a rate comparison at every renewal to ensure rates are inline.
Car insurance coverage information
Knowing the specifics of a car insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by car insurance companies.
Comprehensive (Other than Collision) – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like hitting a bird, rock chips in glass, fire damage and theft. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims like scraping a guard rail, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible on your Borrego to save money on collision insurance.
Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills like dental work, rehabilitation expenses and X-ray expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Kia Borrego.
Since many Arizona drivers only purchase the least amount of liability that is required (Arizona limits are 15/30/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Liability coverages – Liability insurance provides protection from damage or injury you incur to other’s property or people that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 15/30/10 that translate to a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.
Liability coverage pays for things like court costs, emergency aid and medical expenses. How much liability should you purchase? That is your choice, but consider buying higher limits if possible. Arizona requires drivers to carry at least 15/30/10 but you should consider buying better liability coverage.
You can find cheap coverage
When you buy Phoenix car insurance online, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.
A few companies do not provide rate quotes online and these regional carriers sell through independent agents. Cheaper auto insurance in Phoenix is possible both online and with local Phoenix insurance agents, so compare prices from both to have the best rate selection.
More information is available at the links below
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- How Much are Auto Insurance Rates for Hybrid Vehicles in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Ford F-150 in Phoenix? (FAQ)
- How Much are Car Insurance Rates for a Chevrolet Equinox in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance Quotes for Low Income Drivers? (FAQ)
- Who Has Affordable Car Insurance Quotes for Retired Military in Phoenix? (FAQ)
- Who Has the Cheapest Phoenix Auto Insurance for Ride Shares? (FAQ)
- Who Has the Cheapest Auto Insurance for Nurses in Phoenix? (FAQ)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Vehicle Insurance (Wikipedia)
- Young Drivers: The High Risk Years Video (iihs.org)