Best Ways to Save on Goodyear, AZ Auto Insurance

Feel like you have an expensive auto insurance policy? It’s quite common and many Goodyear drivers have buyer’s remorse.

Astonishng but true according to a recent study, 70% of consumers have bought auto insurance from the same company for at least the last four years, and almost half have never even compared rates from other companies. American drivers could save an average of nearly $859 each year by just comparing rate quotes, but most tend to underestimate how much money they would save if they just switched companies. Since you have so many companies to choose from , it can be hard to locate a lower cost auto insurance provider.

Buying the cheapest auto insurance in Goodyear can initially seem challenging. If you are already insured or are looking for a new policy, you can use these tips to get lower rates without sacrificing coverage. Drivers just have to use the most effective way to quote multiple rates over the internet.

Best companies for Arizona car insurance

The companies in the list below are ready to provide price comparisons in Arizona. If more than one company is shown, it’s a good idea that you visit several of them in order to find the most competitive rates.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Prices do not factor in specific location which can modify prices noticeably.

Rate increases following a ticket or accident

The chart below demonstrates how citations and fender-benders raise Chevrolet Silverado car insurance rates for different ages of insureds. The rate quotes are based on a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

Discount Goodyear car insurance rates

Some companies don’t always list the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious savings tricks you should be using when you buy Goodyear car insurance online.

• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive and the ABS can save up to 10%.
• Discounts for Government Workers – Active or former government employment can save as much as 8% with a few car insurance companies.
• Club Memberships – Affiliation with a qualifying organization could trigger savings on car insurance.
• Paperwork-free – Many car insurance companies may give you up to $50 get Goodyear car insurance on your computer.
• Safe Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates as compared to drivers with claims.
• Service Members Pay Less – Having a deployed family member may lower your premium rates slightly.
• Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you can avoid monthly service charges.
• Multi-policy Discount – If you combine your home and auto policies with one company you may earn 10% to 20% off each policy.
• Passive Restraint Discount – Factory air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.

As is typical with insurance, many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts should definitely cut your policy cost.

To locate providers with discount rates in Goodyear, click this link.

When to get professional advice

Keep in mind that when it comes to choosing the best insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that.
Here are some questions about coverages that may help you determine if your situation might need professional guidance.

• Can my babysitter drive my car?
• Is other people’s property covered if stolen from my vehicle?
• Am I covered if I break a side mirror?
• Can I use my car for my catering business?
• Who does medical payments coverage extend to?
• Can I afford to buy a different vehicle if my vehicle is totaled?
• What is PIP insurance?
• Why do I only qualify for high-risk insurance?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Insurance agencies near you

A small number of people still like to talk to a local agent and that is OK! Insurance agents are very good at helping people manage risk and help in the event of a claim. A nice benefit of comparing rate quotes online is the fact that drivers can get cheap rate quotes and also buy local.

Once you complete this form (opens in new window), your information is emailed to participating agents in Goodyear that can provide free Goodyear car insurance quotes and help you find cheaper coverage. You don’t have to leave your computer because prices are sent instantly to you. In the event you want to compare rates from one company in particular, feel free to navigate to their website and complete a quote there.

Picking an company should include more criteria than just the price. Ask your prospective agent these questions:

• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• If you have an accident, will your rates go up?
• Who are their largest clients?
• Do you qualify for any additional discounts?
• Will the quote change when the policy is issued?
• Are they able to provide referrals?
• Which company do they place the most coverage with?
• Has the agent ever had any license suspensions?

Auto insurance claim statistics

Are you driving a vehicle that ranks high in claims? The statistics tables below show the best and worst vehicles for the probability of filing claims organized by coverage.

What is YOUR best insurance company?

As you quote Goodyear car insurance, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where someone dropped comprehensive coverage or liability limits only to regret that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage for the lowest cost.

We covered many ways to shop for insurance online. The key concept to understand is the more rate quotes you have, the higher your chance of finding cheaper Goodyear car insurance quotes. Consumers could even find that the best premium rates are with some of the lesser-known companies. Smaller companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive and GEICO.

Even more information can be read in these articles:

• Teen Driving and Texting (State Farm)
• Who Has the Cheapest Auto Insurance Quotes for High Risk Drivers in Phoenix? (FAQ)
• How Much is Car Insurance for Electric Cars in Phoenix? (FAQ)
• How Much is Phoenix Auto Insurance After a Speeding Ticket? (FAQ)
• Who Has the Cheapest Phoenix Auto Insurance Quotes for Low Credit Scores? (FAQ)
• Medical Payments Coverage (Liberty Mutual)
• Determing Auto Insurance Rates (GEICO)
• Understanding Car Crashes Video (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Institute)