Trying to find the cheapest insurance for a Saturn Ion in Arizona can normally be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to compare car insurance rates and you need to know the absolute fastest way to price shop coverage for a new or used Saturn and get the best price possible either online or from Phoenix insurance agents.
It’s a great practice to price shop coverage before your next renewal due to the fact that insurance rates are constantly changing. Even if you got the lowest rate on Saturn Ion insurance in Phoenix a year ago a different company probably has better prices today. Block out anything you think you know about car insurance because you’re going to learn the fastest way to find better rates and still maintain coverage.
Cutting your Phoenix insurance rates is a fairly straight forward process. The only thing you need to do is take the time comparing price quotes from different insurance companies.
The companies shown below are our best choices to provide comparison quotes in Phoenix, AZ. If multiple providers are shown, it’s a good idea that you compare several of them in order to get a fair rate comparison.
Cheap Phoenix insurance quotes with discounts
Some insurers do not list every discount available very well, so the following list contains some of the best known as well as the least known discounts you could be receiving when you buy Phoenix auto insurance online.
- More Vehicles More Savings – Insuring more than one vehicle on the same insurance policy may reduce the rate for each vehicle.
- Passive Restraints – Factory options such as air bags can get savings of 20 to 30 percent.
- Distant Student Discount – Older children who live away from home at college and do not take a car to college may qualify for this discount.
- Low Mileage Discounts – Low annual miles could qualify for substantially lower prices.
- No Accidents – Claim-free drivers are rewarded with significantly better rates on Phoenix auto insurance quote when compared to frequent claim filers.
- Professional Memberships – Belonging to qualifying clubs or civic groups may earn a discount on your next insurance statement.
- Multi-policy Discount – If you can bundle your auto and homeowners insurance with one company you could save as much as 10 to 15 percent.
Please keep in mind that some credits don’t apply to the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Despite the appearance that adding up those discounts means a free policy, nobody gets a free ride.
Insurance companies that may offer quotes with some of the discounts shown above include:
When quoting, ask each company the best way to save money. Some discounts may not apply to policies in your area. To locate insurance companies who offer free Saturn Ion insurance quotes in Phoenix, click this link.
Components of Your Saturn Ion Insurance Costs
Multiple criteria are used when premium rates are determined. Some factors are common sense like an MVR report, but other criteria are not as apparent like your vehicle usage or your commute time. It’s important that you understand some of the things that play a part in calculating your policy premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that could result in lower premium levels.
Bad credit will cost you – Having a bad credit score can be an important factor in your rate calculation. If your credit history can use some improvement, you could potentially save money when insuring your Saturn Ion by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit scores.
Youthful drivers cost more – More experienced drivers tend to be more responsible, tend to cause fewer accidents, and usually have better credit.Teenage drivers tend to be easily distracted when behind the wheel so car insurance rates are higher.
Discounts for multiple policies – The majority of insurers will give discounts to customers that have more than one policy in the form of a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even with this discount applied, you still need to compare other company rates to help guarantee you have the best rates.
Liability coverage is important – Liability insurance provides coverage when you are ruled to be at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost a lot. Liability insurance is pretty cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
What if I want to buy from local Phoenix insurance agencies?
A small number of people still prefer to visit with an insurance agent and often times that is recommended Insurance agents will help you protect your assets and help you file claims. One of the great benefits of price shopping on the web is that drivers can save money and get cheaper premium rates but also keep your business local.
To help locate an agent, after submitting this simple form, your insurance data gets sent to agents in your area who will return price quotes and help you find cheaper coverage. You don’t have to contact an agency due to the fact that quote results will go immediately to you. In the event you want to compare rates for a specific company, you would need to jump over to their website and fill out their quote form.
Finding the right insurance company requires more thought than just the premium amount. Any good agent in Phoenix should know the answers to these questions.
- What discounts might you be missing?
- Do they review policy coverages at every renewal?
- Do they write coverage based solely on cost?
- In the event of vehicle damage, can you pick the collision repair facility?
- How many years of experience in personal auto insurance do they have?
- Will the agent help in case of a claim?
- What insurance companies do they recommend if they are an independent agent?
- Are claims handled at the agent’s location?
If you’re trying to find a local insurance agency, there are a couple of types of agencies that differ in how they can insure your vehicles. Insurance agencies in Phoenix can be classified as either independent or exclusive. Both can sell car insurance policies, but it is a good idea to know why they differ because it can impact which type of agent you select.
Exclusive agencies generally can only insure with one company like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to compare other company’s rates so you might not find the best rates. Exclusive insurance agents are usually well trained on what they offer and that allows them to sell at a higher price point. A lot of people buy insurance from these agents partially due to the brand rather than having low rates.
Below are exclusive agents in Phoenix who may provide you with comparison quotes.
- Allstate Insurance: David Vasquez
4151 W Bethany Home Rd a – Phoenix, AZ 85019 – (602) 841-1421 – View Map
- Susan Cox – State Farm Insurance Agent
2715 W Northern Ave #110 – Phoenix, AZ 85051 – (602) 995-2821 – View Map
- Douglas Cheung – State Farm Insurance Agent
2600 N 44th St #110 – Phoenix, AZ 85008 – (602) 840-6655 – View Map
Independent Car Insurance Agencies
Independent insurance agents do not sell for just one brand and that is an advantage because they can write policies with an assortment of companies and possibly get better coverage at lower prices. If premiums increase, the agent simply finds a different carrier which requires no work on your part.
If you are trying to find cheaper rates, you should always get some free quotes from several independent agencies for maximum quote selection. Most have the option of insuring with companies that do not advertise much that can offer cheaper rates than bigger companies.
Listed below are Phoenix independent insurance agents willing to provide price quotes.
- Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map
- American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map
After you get positive feedback to any questions you have and locked in a price quote, you may have just found a car insurance agent that can be relied on to insure your vehicles. Just keep in mind consumers can cancel your policy when you choose so don’t think you’re contractually obligated to a policy with no way out.
Save 15 percent in 15 minutes? Is it for real?
Arizona drivers can’t get away from ads for the lowest price insurance by State Farm and Allstate. They all seem to make the same claim about savings if you move your coverage.
How does each company charge you a lower premium? It’s all in the words they use.
Insurance providers have specific guidelines for the type of customer that will add to their bottom line. For instance, a profitable customer may be over the age of 40, carries high limits, and has great credit. A customer getting a price quote that matches those criteria receive the lowest rate quotes in Phoenix as well as pay quite a bit less when switching companies.
Insureds who are not a match for those standards may receive higher premiums with the end result being the driver buying from a lower-cost company. If you pay close attention to the ads, they say “people that switch” not “everyone who quotes” save that much money. That’s the way companies can make the claims of big savings. Because of this risk profiling, you should compare free Phoenix auto insurance quotes often. Because without a comparison, you cannot know which insurance companies will provide the lowest Saturn Ion insurance in Phoenix.
One last note
Throughout this article, we presented quite a bit of information on how to compare Saturn Ion insurance premium rates in Phoenix. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the biggest savings come from an unexpected company.
Insureds who switch companies do it for many reasons like lack of trust in their agent, high prices, high rates after DUI convictions or unfair underwriting practices. Regardless of your reason, finding a new insurance company is not as difficult as it may seem.
As you quote Phoenix auto insurance, don’t be tempted to skimp on coverage in order to save money. In many instances, someone sacrificed liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.
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