Purchasing low-cost Phoenix Audi S8 insurance quotes online can be impossible for people that are not comfortable with quoting and online price comparisons. With more and more insurance companies available, how can people have the ability to compare every company in order to find cheaper insurance prices?
Shockingly, about 70% of customers have purchased from the same company for a minimum of four years, and roughly 40% of drivers have never shopped around. With the average insurance premium being $1,600, Arizona drivers could save roughly $733 a year just by getting comparison quotes, but they don’t want to spend time to compare rates online.
If you are already insured, you will most likely be able to buy cheaper car insurance using these tips. Quoting the best car insurance coverage in Phoenix is simple if you know the tricks. But Arizona drivers must comprehend how big insurance companies determine premium rates and use it to find better rates.
Car insurance providers offering cheap rate quotes in Arizona
The providers in the list below are ready to provide free rate quotes in Phoenix, AZ. If multiple providers are shown, it’s highly recommended you visit several of them to get the most competitive price.
Earn discounts on Phoenix car insurance
Auto insurance companies don’t always publicize the entire discount list in a way that’s easy to find, so the list below details both well-publicized and the harder-to-find discounts you could be receiving when you buy Phoenix auto insurance online.
- ABS and Traction Control Discounts – Cars that have anti-lock braking systems prevent accidents so you can save 10 percent or more.
- Lower Rates for Military – Being on active deployment in the military can result in better car insurance rates.
- Responsible Driver Discount – Insureds without accidents can save up to 40% or more on their Phoenix auto insurance quote as compared to drivers with claims.
- Pay Now and Pay Less – By paying your entire bill at once rather than paying monthly you could save 5% or more.
- Safety Course Discount – Passing a driver safety class could cut 5% off your bill and also improve your driving technique.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to use a seat belt may be able to save a few bucks off the personal injury premium cost.
- Accident-Free Discounts – Drivers with accident-free driving histories can earn big discounts compared to insureds who have frequent claims or accidents.
A quick disclaimer, most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will cut your car insurance premiums.
To locate companies that offer the discounts shown above in Arizona, click here.
Get rate quotes but still have a local neighborhood Phoenix car insurance agent
Some consumers just prefer to sit down with an agent and there is nothing wrong with that. An additional benefit of comparing rate quotes online is the fact that you can find lower premium rates but still work with a licensed agent.
Upon completion of this form (opens in new window), your information is submitted to agents in your area who will return price quotes for your business. You won’t even need to find an agent on your own because prices are sent immediately to your email address. Get lower rates without the usual hassles of price shopping. If you have a need to compare prices from a particular provider, you can always search and find their rate quote page and submit a quote form there.
Selecting an insurer is decision based upon more than just the price. Agents should be asked these questions:
- Do you need full coverage on every vehicle?
- If independent agents, which companies do they recommend?
- What will you get paid if your car is a total loss? How is that amount determined?
- Who are their largest clients?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Does the agency have a good rating with the Better Business Bureau?
Below are agents in Phoenix that are able to give comparison quotes for Audi S8 insurance in Phoenix.
- American Family Insurance – Jennifer Swenson
4731 N Central Ave – Phoenix, AZ 85012 – (602) 995-9334 – View Map
- Brian Stevens – State Farm Insurance Agent
21043 N Cave Creek Rd A12 – Phoenix, AZ 85024 – (602) 569-6600 – View Map
- Eric Hamilton – State Farm Insurance Agent
10265 W Camelback Rd #120 – Phoenix, AZ 85037 – (623) 848-3048 – View Map
- Severiano Torres III – State Farm Insurance Agent
1820 N 75th Ave #106 – Phoenix, AZ 85035 – (623) 846-0240 – View Map
Smaller companies may have the best rates
Popular insurance providers such as Allstate and Progressive regularly use ads in print and on television. They all seem to advertise the message about how much you will save if you switch your policy. How does every company charge less that you’re paying now? This is the way they can do it.
Insurance providers are able to cherry pick for the type of driver that will not have excessive claims. For instance, a profitable customer might have to be between the ages of 30 and 50, has never had a policy lapse, and drives a car with an anti-theft system. Any customer who meets those qualifications gets the lowest car insurance rates as well as save money with a new company.
Consumers who don’t measure up to this ideal profile may be required to pay a more expensive rate which leads to the customer buying from a different company. The trick is to say “customers that switch” not “all people who quote” save that kind of money. That’s the way companies can truthfully state the savings. Because of these techniques, it’s extremely important to do a rate comparison at every renewal. You cannot predict which company will have the best Audi S8 insurance in Phoenix.
Insurance coverages explained
Knowing the specifics of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Audi S8.
Because many people only purchase the least amount of liability that is required (15/30/10 in Arizona), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Collision – Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible on your S8 to save money on collision insurance.
Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for expenses such as chiropractic care, pain medications and ambulance fees. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive or Other Than Collision – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like rock chips in glass, hitting a bird, damage from a tornado or hurricane and hitting a deer. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Liability car insurance – Liability insurance will cover damage that occurs to other people or property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 15/30/10 which stand for a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.
Liability coverage pays for claims such as legal defense fees, loss of income and medical expenses. How much coverage you buy is your choice, but you should buy as much as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but it’s recommended drivers buy more coverage.
Persistence is the key to cheaper rates
Discount Audi S8 insurance in Phoenix is possible from both online companies as well as from independent agents in Phoenix, so get free Phoenix auto insurance quotes from both of them so you have a total pricing picture. There are still a few companies who may not have rate quotes online and usually these regional carriers only sell through independent agents.
We just showed you a lot of tips how to compare Audi S8 insurance prices in Phoenix. The key concept to understand is the more times you quote, the better chance you’ll have of finding affordable Phoenix auto insurance quotes. You may even discover the lowest prices come from some of the lesser-known companies.
When getting Phoenix auto insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where an insured cut uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. The aim is to buy a smart amount of coverage at the best cost.
More information is located on the following sites:
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- What Auto Insurance is Cheapest for Welfare Recipients in Phoenix? (FAQ)
- Who Has Cheap Phoenix Car Insurance for Seniors? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- Credit and Insurance Scores (Insurance Information Institute)