There isn’t a single person who is fond of buying auto insurance, especially when they are aware that they could find better prices if they shop around.
Surprisingly, a recent survey revealed that nearly 70% of drivers kept their policy with the same company for a minimum of four years, and just short of a majority have never compared rates from other carriers. Arizona drivers can save hundreds of dollars each year by just shopping around, but they underestimate how much savings they would realize if they switched to a cheaper policy.
There is such a variety of car insurance companies to insure vehicles with, and although it’s nice to have a selection, so many choices can make it hard to compare rates and find the lowest cost auto insurance.
Finding the cheapest auto insurance coverage in Phoenix is actually quite easy if you know where to start. If you have auto insurance now, you will be able to buy cheaper auto insurance using the ideas you’re about to read. But Arizona drivers must learn the methods companies use to determine premium rates and apply this information to your search.
Verify you’re getting every discount
Car insurance is expensive, but you may find discounts that could help you make your next renewal payment. Some discounts apply automatically when you purchase, but a few need to be manually applied prior to getting the savings.
- Paperwork-free – Some insurance companies provide a small discount for buying your policy on your computer.
- Defensive Driver Discount – Taking part in a safe driver course can save you 5% or more and easily recoup the cost of the course.
- Accident Forgiveness – Not necessarily a discount, but some insurance companies permit an accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
- Federal Employees – Federal government employees could cut as much as 10% off with certain companies.
- Accident-Free Discounts – Phoenix drivers who stay claim-free can save substantially as opposed to policyholders that have many claims.
- Discounts for New Vehicles – Buying a new car instead of a used Clarity can get you a discount since newer models are generally safer.
- Theft Deterrent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a Phoenix auto insurance quote.
- Early Switch Discount – Select car insurance companies give a discount for switching policies before your current Clarity insurance policy expires. It could save around 10% when you buy Phoenix auto insurance online.
We need to note that most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, you aren’t that lucky.
Large car insurance companies and a summarized list of policyholder discounts are detailed below.
- State Farm offers discounts for Drive Safe & Save, multiple autos, multiple policy, driver’s education, accident-free, and anti-theft.
- GEICO policyholders can earn discounts including defensive driver, anti-theft, federal employee, air bags, and anti-lock brakes.
- Allstate includes discounts for premier discount, anti-lock brakes, defensive driver, teenSMART discount, and FullPay discount.
- SAFECO has savings for safe driver, teen safe driver, homeowner, accident prevention training, bundle discounts, and teen safety rewards.
- Farm Bureau offers premium reductions for driver training, 55 and retired, good student, renewal discount, and safe driver.
- Progressive may include discounts for homeowner, online signing, online quote discount, good student, and multi-policy.
- AAA discounts include AAA membership discount, education and occupation, multi-policy, good student, and anti-theft.
Before purchasing a policy, check with each company or agent which credits you are entitled to. Some discounts may not be available everywhere. To locate providers that offer multiple discounts in Phoenix, follow this link.
When shopping for inexpensive Phoenix auto insurance quotes, there are a couple of ways of comparing price quotes from many available car insurance companies in Arizona. The easiest way by far to lower the rate you pay for Honda Clarity insurance is to perform an online rate comparison.
Getting rate quotes online is very simple and it makes it obsolete to go to insurance agencies in your area. The internet reduces the need to sit down with an agent unless your situation requires the professional abilities of a licensed agent. Although, it is possible obtain prices from the web but purchase the actual policy in an agency.
When comparison shopping, having more price comparisons helps increase your odds of locating a lower rate than you’re paying now.
The providers in the list below offer quotes in Phoenix, AZ. If the list has multiple companies, we recommend you compare several of them to get the most affordable price.
Situations that may require an agent’s advice
When selecting adequate coverage for your vehicles, there really isn’t a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that.
These are some specific questions may help you determine whether you would benefit from professional advice.
- Can I get by with minimal medical coverage if I have good health insurance?
- How do I buy GAP insurance?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- What is an umbrella policy?
- What are the financial responsibility laws in my state?
- Is my Honda Clarity covered if I use it for business?
Insurance agent or online?
Many people just prefer to visit with an insurance agent and we recommend doing that One of the benefits of comparing insurance prices online is that you can obtain the lowest rates but still work with a licensed agent.
After filling out this quick form, your information is submitted to agents in your area that can give you free Phoenix auto insurance quotes to get your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies because prices are sent to your email. You can find lower rates AND an agent nearby. If you want to quote rates from a specific car insurance provider, you can always find their quoting web page and complete a quote there.
Deciding on an insurance company is decision based upon more than just the premium amount. These questions are important to ask:
- Will you get a loaner vehicle if you car is being repaired?
- Is the agent properly licensed in Arizona?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does the company use OEM repair parts?
- How often do they review coverages?
Different types of Phoenix auto insurance agents
If you want a good Phoenix insurance agent, there are a couple of different types of agents and how they can service your needs differently. Car insurance agents in Phoenix are classified as either independent agents or exclusive agents.
Agents that choose to be exclusive can usually just insure with one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to provide other company’s prices so they really need to provide good service. These agents are well trained on sales techniques and that enables them to sell even at higher rates.
Listed below are exclusive insurance agencies in Phoenix that can give you price quote information.
Agents that choose to be independent are not employed by one company so they have the ability to put coverage through many different car insurance companies and find the cheapest car insurance rates. To move your coverage to a new company, your agent can just switch to a different company and you don’t have to switch agencies. When comparing rates, we highly recommend that you get some free quotes from several independent insurance agents to ensure the widest selection of prices.
The following are Phoenix independent agencies that are able to give rate quotes.
After you get satisfactory answers to any questions you may have in addition to an acceptable price estimate, you may have found an insurance agency that is reliable enough to properly insure your vehicles.
Auto insurance coverages explained
Knowing the specifics of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as fire damage, a tree branch falling on your vehicle, a broken windshield and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision insurance will pay to fix damage to your Clarity from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like rolling your car, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible on your Clarity to save money on collision insurance.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage kick in for immediate expenses such as X-ray expenses, doctor visits, surgery, nursing services and prosthetic devices. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many Arizona drivers only carry the minimum required liability limits (which is 15/30/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
Liability insurance can cover damage or injury you incur to other people or property. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 15/30/10 which stand for $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property.
Liability coverage protects against claims like attorney fees, structural damage, medical expenses, emergency aid and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford. Arizona requires minimum liability limits of 15/30/10 but you should consider buying more liability than the minimum.
Do the work, save more money
Lower-priced car insurance in Phoenix is available online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not provide rates over the internet and most of the time these smaller companies only sell coverage through independent agencies.
When searching for affordable Phoenix auto insurance quotes, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where someone dropped comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your aim should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.
To read more, feel free to browse the following helpful articles:
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Who Has Affordable Auto Insurance Quotes for a Learners Permit in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for Police Officers? (FAQ)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Tools for Teen Driving Safety (State Farm)