Consumers fed up with high insurance rates and are new to comparing insurance rates online can find purchasing affordable Dodge Magnum insurance rates in Phoenix is harder than it should be.
Surprisingly, a recent survey revealed that nearly 70% of customers renewed their policy with the same company for well over three years, and approximately 40% of consumers have never even compared rates from other companies. Many consumers in the United States could cut their rates by nearly 46.5% a year by just shopping around, but they just feel it’s too hard to compare rate quotes.
All the larger car insurance companies allow consumers to get coverage prices direct online. Obtaining pricing for Dodge Magnum insurance in Phoenix doesn’t take much effort as you simply enter the amount of coverage you want into the quote form. Behind the scenes, their system automatically retrieves your driving and credit reports and returns a price quote based on the data you entered.
Quoting online for Dodge Magnum insurance in Phoenix makes it a lot easier to compare rates and it’s also necessary to compare as many rates as possible in order to get the lowest payment on car insurance.
To quickly use this form to compare rates, compare quotes from the companies shown below. If you have a policy now, it’s recommended you duplicate the coverages as close as possible to your current policy. This guarantees you’re receiving rate comparison quotes using the exact same coverages.
The providers in the list below provide price quotes in Phoenix, AZ. If the list has multiple companies, it’s highly recommended you visit several of them to find the cheapest auto insurance rates.
Choosing the best Dodge vehicle insurance in Arizona is an important decision
Despite the high cost of buying insurance for a Dodge Magnum in Phoenix, insuring your vehicle may not be optional for several reasons.
First, just about all states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability protection if you want to drive legally. 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.
Second, if your Magnum has a loan, it’s guaranteed your bank will make it mandatory that you have comprehensive coverage to ensure they get paid if you total the vehicle. If the policy lapses, the lender may have to buy a policy to insure your Dodge for a lot more money and force you to reimburse them for the much more expensive policy.
Third, insurance safeguards both your car and your personal assets. It will also reimburse you for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance greatly outweigh the cost, especially if you ever need it. The average driver in America overpays as much as $865 each year so you should quote your policy with other companies at every policy renewal to ensure rates are inline.
Save 15 percent in 15 minutes? Is it for real?
Popular car insurance providers such as State Farm and Allstate regularly use ads on television and other media. They all seem to make the point about savings if you get a free Phoenix auto insurance quote and switch your coverage to them. How does every company give you a better price on Dodge Magnum insurance in Phoenix?
All the different companies have specific criteria for a prospective insured that earns them the most money. An example of a profitable customer could be over the age of 50, has had continuous coverage, and drives a lower-performance vehicle. Any driver who fits that profile will get the preferred auto insurance rates in Phoenix and as a result will probably save money with a new company.
Drivers who don’t qualify for those criteria will be quoted a higher rate which results in the prospect going elsewhere. If you listen to the ad wording, they say “people who switch” not “everyone who quotes” save that much when switching. That is how insurance companies can confidently make claims like that. Because of the profiling, you really need to compare rate quotes every year. It is just not possible to predict which insurance companies will have the lowest prices for your situation.
Insurance discounts help lower rates for Dodge Magnum insurance in Phoenix
Insuring your vehicles can cost a lot, but you may qualify for discounts that many people don’t even know exist. Most are applied at the time of purchase, but some need to be manually applied prior to receiving the credit. If you are not receiving all the discounts available, you are throwing money away.
- Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less than their less cautious counterparts.
- Early Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
- Discounts for Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote Phoenix auto insurance depending on your insurance provider.
- Air Bag Discount – Vehicles equipped with air bags or motorized seat belts could see savings of 20 to 30 percent.
- Multi-line Discount – Larger companies have lower insurance rates if you buy life insurance.
- Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for a small decrease in premiums.
- Waiver for an Accident – This one is not really a discount per se, but certain companies may permit one accident before hitting you with a surcharge so long as you haven’t had any claims for a specific time period.
- New Car Discount – Insuring a vehicle that is new can save you some money compared to insuring an older model.
One thing to note about discounts is that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, insurance companies aren’t that generous.
Some of the larger companies who might offer some of the discounts shown above are:
Before buying, ask all companies you are considering to give you their best rates. Depending on the company, some discounts might not be offered in your state.
Local Phoenix insurance agencies
Many drivers would prefer to talk to an insurance agent and that is OK! The best thing about comparing insurance online is the fact that you can find cheap rate quotes but also keep your business local.
Upon completion of this short form, your insurance data is immediately sent to local insurance agents who will give you bids for your coverage. There is no reason to find an agent since price quotes are sent immediately to your email address. You can get cheaper insurance rates and a licensed agent to talk to. If you want to compare rates from one company in particular, feel free to search and find their rate quote page to submit a rate quote request.
Finding the right company needs to be determined by more than just the premium amount. Some important questions to ask are:
- Do they have cheaper tiers of coverage?
- Can they provide you with a list of referrals?
- Are they actively involved in the community?
- Do they have 24-hour customer assistance?
- Can glass repairs be made at your home?
- By raising physical damage deductibles, how much would you save?
- Which company do they place the most coverage with?
When searching for a reputable insurance agent or broker, you should know the different types of agents that you can select. Insurance policy providers can be described as either independent (non-exclusive) or exclusive.
Agents that choose to be exclusive can only write with one company like Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to provide rate quotes from other companies so keep that in mind. Exclusive agents are highly trained on the products they sell and that can be a competitive advantage. Consumers frequently buy insurance from these agents primarily because of the prominent brand name rather than low rates.
The following is a short list of exclusive agencies in Phoenix who may provide you with comparison quotes.
- Susan Cox – State Farm Insurance Agent
2715 W Northern Ave #110 – Phoenix, AZ 85051 – (602) 995-2821 – View Map
- Brian Stevens – State Farm Insurance Agent
21043 N Cave Creek Rd A12 – Phoenix, AZ 85024 – (602) 569-6600 – View Map
- Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400 – View Map
Independent Insurance Agencies
Agents in the independent channel are not required to write business for one company so as a result can place your coverage through many different insurance companies depending on which coverage is best. If they quote lower rates, they simply switch companies in-house and the insured can keep the same agent. When comparing insurance rates, you will definitely want to compare prices from independent agents to get the best comparison. Many write coverage with companies you’ve never heard of which can save you money.
Below is a short list of independent agencies in Phoenix that are able to give rate quotes.
- Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map
- American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map
- General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map
If you get acceptable answers to all your questions and an acceptable price quote, most likely you have located an auto insurance agent that meets the criteria to properly service your insurance policy. Just understand that you are entitled to cancel your coverage whenever you wish so never assume you are locked into any particular company for the full term.
Insurance agents can help
When it comes to buying a policy for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.
For example, these questions can help discover whether or not you could use an agent’s help.
- Do I really need UM/UIM coverage?
- Is a fancy paint job covered?
- Can I still get insurance after a DUI?
- I don’t drive much so do I pay less?
- Should I rate my Dodge Magnum as pleasure use or commute?
- How can I find cheaper teen driver insurance?
- Are split liability limits better than a combined single limit?
If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.
Do the work, save more money
Some insurance companies may not have internet price quotes and these smaller providers provide coverage only through independent agents. More affordable auto insurance in Phoenix is possible on the web in addition to local insurance agencies, so you need to compare both in order to have the best chance of saving money.
People leave their current company for a variety of reasons including not issuing a premium refund, policy cancellation, questionable increases in premium and poor customer service. Whatever your reason, finding a new company is less work than it seems.
As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. Too many times, drivers have reduced uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase plenty of coverage at the lowest possible cost.
To learn more, feel free to visit these articles:
- Teen Driving Statistics (iihs.org)
- What Insurance is Cheapest for Inexperienced Drivers in Phoenix? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Auto Crash Statistics (Insurance Information Institute)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Tread Depth and Tire Safety (State Farm)