Do you want to learn to get the cheapest Chevy Captiva Sport insurance in Phoenix? No car owner rejoices having to buy auto insurance, in particular when their premiums are through the roof.
Remarkably, a study showed that nearly 70% of customers have purchased from the same company for at least the last four years, and almost half have never compared rates to find affordable insurance. Arizona drivers could pocket nearly 50% a year just by shopping around, but they underestimate how much they could save if they switched to a more affordable policy. There is such a variety of insurers to buy insurance from, and although it’s nice to have a choice, having more auto insurance companies makes it harder to find the lowest cost provider for Chevy Captiva Sport insurance in Phoenix.
Locating the best insurance company for you in Phoenix seems hard but is not really that difficult. If you currently have car insurance, you stand a good chance to be able to cut your premiums using these tips. Smart buyers only need to know how to compare price quotes from many different companies.
The quickest method to get rate comparisons for Chevy Captiva Sport insurance in Phoenix is to realize most of the larger companies allow for online access to compare their rates. To get started, all you need to do is spend a couple of minutes providing details including if the car is leased, if you are currently licensed, how many miles driven, and if you’re married. That rating information is automatically sent to many different companies and you will receive price estimates quickly.
To start a rate quote now, click here and see if a lower rate is available in Phoenix.
The providers in the list below are ready to provide price comparisons in Arizona. If several companies are displayed, we suggest you visit two to three different companies to find the lowest car insurance rates.
Auto insurance policy discounts for Chevy Captiva Sport insurance in Phoenix
Auto insurance is not an enjoyable expense, but you may find discounts to help bring down the price. Certain credits will be shown at the time you complete a quote, but occasionally some discounts must be requested specifically prior to receiving the credit. If you’re not getting every credit possible, you may be paying too high a price.
- Phoenix Homeowners Pay Less – Owning a house in Phoenix can save a few bucks since owning and maintaining a home requires a higher level of personal finance.
- Full Payment Discount – By paying your policy upfront rather than spreading payments over time you could save up to 5%.
- Senior Citizen Discount – If you’re over the age of 55, you are able to get a small discount on rates.
- Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems could see savings of 25 to 30%.
- Multiple Vehicles – Insuring several vehicles on one policy can get a discount for every vehicle.
- Federal Government Employee – Simply working for the federal government could cut as much as 10% off but check with your company.
- Distant Student – College-age children who live away from home to go to college and do not take a car to college can receive lower rates.
- No Claims – Good drivers with no accidents pay much less as opposed to insureds who have frequent claims or accidents.
It’s important to note that most credits do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will cut your premiums.
To find providers that offer many of these discounts in Phoenix, click here to view.
Car insurance agents near you
A small number of people just prefer to talk to a local agent and that is recommended in a lot of cases Licensed agents are trained risk managers and help in the event of a claim. The best thing about comparing rate quotes online is the fact that drivers can get lower prices and still have a local agent.
By using this quick form, your insurance coverage information is submitted to local insurance agents in Phoenix who will gladly provide quotes for your insurance coverage. You won’t even need to find an agent as quotes are delivered instantly to you. If you need to compare rates from one company in particular, feel free to navigate to their website and submit a quote form there.
Picking an company shouldn’t rely on just a cheap price. Here are some questions you might want to ask.
- If you have an accident, will your rates go up?
- If you are a high risk driver, do they have special markets for your coverage?
- How many years have they been established?
- Do they prorate repair cost based on vehicle mileage?
- Do they feel the quoted coverages are adequate?
When finding a reputable agency, it’s helpful to know the types of agencies and how they operate. Car insurance agents can be described as either exclusive or independent. Either one can insure your vehicles, but it’s worth mentioning the difference between them since it could factor into buying decisions.
Exclusive Insurance Agencies
Agents that elect to be exclusive can only provide pricing for a single company like AAA, Allstate, and State Farm. Exclusive agencies are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agencies are well trained on what they offer which helps them sell on service rather than price.
Shown below is a short list of exclusive insurance agents in Phoenix willing to provide price quote information.
Gunther Perdomo Llana – State Farm Insurance Agent
2040 E Bell Rd #110 – Phoenix, AZ 85022 – (602) 971-8488 – View Map
Agents that choose to be independent are not limited to a single company and that allows them to write policies with a variety of different insurance companies and potentially find a lower price. If they quote lower rates, the agent simply finds a different carrier which is easy for the insured. If you need cheaper car insurance rates, we highly recommend that you compare prices from independent agents to get the most accurate price comparison.
Below are Phoenix independent agents that are able to give price quote information.
Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map
Here’s why insurance is not optional
Even though Phoenix Captiva Sport insurance rates can get expensive, buying insurance may be required for several reasons.
- Almost all states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability insurance 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 your Chevy Captiva Sport has a lien holder, almost every bank will require that you carry insurance to guarantee payment of the loan. If you let the policy lapse, the bank may insure your Chevy at a more expensive rate and require you to reimburse them the higher premium.
- Insurance protects both your Chevy and your assets. It will also provide coverage for most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay attorney fees in the event you are sued. If your Chevy gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of insuring your Captiva Sport are without a doubt worth the cost, particularly for liability claims. Despite what companies tell you, the average driver is currently overpaying as much as $820 a year so you should quote your policy with other companies at every renewal to be sure current rates are still competitive.
Educate yourself about insurance coverages
Learning about specific coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.
Comprehensive (Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like falling objects, vandalism and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision coverages – This pays for damage to your Captiva Sport resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like damaging your car on a curb, hitting a mailbox, driving through your garage door, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible on your Captiva Sport to save money on collision insurance.
Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for expenses for things like rehabilitation expenses, dental work, prosthetic devices, pain medications and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Liability auto insurance – Liability coverage will cover damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 15/30/10 which stand for $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.
Liability coverage protects against things such as loss of income, emergency aid, repair costs for stationary objects and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford. Arizona requires drivers to carry at least 15/30/10 but you should consider buying more coverage.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (15/30/10 in Arizona), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Compare but don’t skimp
When getting Phoenix auto insurance quotes online, make sure you don’t reduce needed coverages to save money. In many instances, someone dropped uninsured motorist or liability limits 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 price while not skimping on critical coverages.
In this article, we presented many tips how you can find affordable Chevy Captiva Sport insurance in Phoenix. It’s most important to understand that the more you quote Phoenix auto insurance, the better your comparison will be. You may even be surprised to find that the lowest auto insurance rates come from a smaller regional carrier. Smaller companies may often insure only within specific states and give better rates as compared to the big name companies such as Allstate, GEICO and Progressive.
For more information, feel free to browse the following helpful articles:
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- What Insurance is Cheapest for a Nissan Rogue in Phoenix? (FAQ)
- How Much are Phoenix Car Insurance Quotes for a Toyota Camry? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for State Employees? (FAQ)
- Who Has the Cheapest Auto Insurance for Teenagers in Phoenix? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Nissan Sentra in Phoenix? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Rollover Crash FAQ (iihs.org)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Teen Driving Statistics (GEICO)