Do you need a fast way to compare the cheapest Toyota Celica insurance in Phoenix? Feel like you’re a prisoner to high-priced Toyota Celica insurance in Phoenix? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out.
Amazlingly, a recent NerdWallet.com study showed that almost 70% of insureds kept buying from the same company for at least the last four years, and just under half have never even compared rates from other companies. The average driver in Phoenix could pocket about $730 a year by just comparing quotes, but they just assume it’s a time-consuming process to find cheaper insurance by shopping around. Lots of insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates to find the lowest rate on Toyota Celica insurance in Phoenix.
Consumers need to take a look at other company’s rates periodically because auto insurance prices go up and down regularly. Despite the fact that you may have had the best price on Toyota Celica insurance in Phoenix six months ago there is a good chance you can find better rate quotes now. Forget all the misinformation about auto insurance because you’re about to find out the easiest way to reduce your cost while improving coverage.
If you have coverage now or just want to reduce your rates, use these cost-cutting techniques to reduce premiums while maintaining coverages. Choosing the most cost-effective car insurance policy in Phoenix can be easy if you know a few tricks. Drivers just need to use the quickest method to compare rate quotes from many different companies.
The companies in the list below are our best choices to provide free quotes in Phoenix, AZ. If multiple companies are shown, we suggest you visit several of them in order to find the cheapest rates.
Three main reasons to buy car insurance
Despite the high cost of buying insurance for a Toyota Celica in Phoenix, insurance is mandatory in Arizona but it also protects more than you think.
First, just about all states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability protection if you don’t want to risk a ticket. 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 car has a loan, most lenders will have a requirement that you carry insurance to guarantee loan repayment. If you do not keep the policy in force, the bank may insure your Toyota at an extremely high rate and force you to pay a much higher amount than you were paying before.
Third, insurance protects not only your car but also your assets. It will also pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage also pays for attorney fees and expenses if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to have it repaired.
The benefits of having car insurance greatly outweigh the cost, particularly for liability claims. According to a recent study, the average American driver is wasting up to $700 annually so you should quote rates every year to save money.
Smart Consumers Can Cut Insurance Costs
Part of the auto insurance buying process is learning some of the factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels, this enables you to make decisions that will entitle you to lower premium levels.
Shown below are some of the things that factor into premiums.
- Premiums increase with driving tickets – Your driving record has a huge affect on how much you pay. Only having one moving violation can increase rates forty percent or more. Attentive drivers pay lower auto insurance prices compared to bad drivers. Drivers who have received flagrant citations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state DMV in order to continue driving.
- Car features that cut prices – Selecting a car model with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
- Multiple policies with one company can save – The majority of insurers afford lower prices to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to as much as ten percent or more Even if you already get this discount, it’s in your best interest to compare other Phoenix Celica insurance rates to help ensure you have the lowest rates.
- A policy lapse is a bad thing – Allowing your coverage to lapse is a sure-fire way to increase your auto insurance rates. Not only will rates go up, being ticketed for driving with no insurance can result in fines and jail time. You may then have to file a SR-22 with the Arizona department of motor vehicles.
- Know your credit score – Your credit score factor in determining what you pay. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have bad credit. So if your credit rating could use some work, you could pay less to insure your Toyota Celica by improving your rating.
- Liability limits are a factor – The liability section of your policy provides coverage if ever you are found to be at fault for damages caused by your negligence. This coverage provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so do not skimp.
- With age comes lower rates – Older insureds tend to be more responsible, tend to cause fewer accidents, and are safer drivers.Teenage drivers have a tendency to be inattentive in a vehicle and because of this, their auto insurance rates are much higher.
- Save money by raising deductibles – Comp and collision deductibles define how much you are required to pay in the event of a claim. Physical damage protection, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a stationary object, damage caused by hail, or theft of your vehicle. The more you are required to pay out-of-pocket, the less money you will pay for auto insurance.
Cut your insurance rates with discounts
Insurance is not inexpensive, but you might find some hidden discounts that many people don’t even know exist. Certain credits will be shown at the time you complete a quote, but some discounts are required to be specifically requested before you will receive the discount. If they aren’t giving you every credit you deserve, you are not getting the best rate possible.
- Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
- Early Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
- Membership in Organizations – Being a member of a qualifying organization could trigger savings on your next insurance statement.
- Home Ownership Discount – Owning a home in Phoenix may earn you a small savings because of the fact that having a home demonstrates responsibility.
- Passive Restraints and Air Bags – Factory air bags may qualify for discounts up to 30%.
- More Vehicles More Savings – Buying coverage for primary and secondary vehicles on the same insurance policy could earn a price break for each car.
- Discount for Life Insurance – Insurance companies who offer life insurance give a break if you buy life insurance from them.
It’s important to understand that most discount credits are not given to the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
To view companies that offer many of these discounts in Arizona, click this link.
Compare rates but buy from a neighborhood Phoenix auto insurance agent
Many drivers still prefer to go talk to an agent and that is not a bad decision Good agents can point out coverage gaps and help you file claims. A nice benefit of getting online price quotes is the fact that you can find cheaper car insurance rates and still have an agent to talk to.
To find an agent, once you fill out this short form, your coverage information is submitted to insurance agents in Phoenix that give free quotes for your coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies as quotes are delivered to you instantly. If you want to get a comparison quote for a specific company, just go to their quote page and submit a quote form there.
Selecting an insurer requires more thought than just a cheap price quote. Here are some questions to ask:
- What are their preferred companies if they are an independent agency?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are they giving you every discount you deserve?
- Do they offer accident forgiveness?
- What company holds the largest book of business for them?
- Does their agency support local causes in Phoenix?
- Does the company have a solid financial rating?
If you prefer to buy insurance from a reputable insurance agent or broker, you need to know there are two types of insurance agents to choose from. Agents in Phoenix are either exclusive agents or independent agents. Both handle insurance, but it’s worth mentioning the difference between them since it could factor into the selection process.
These agents have only one company to place business with and examples are Allstate, State Farm and Farm Bureau. These agents are unable to provide prices from multiple companies so always compare other rates. Exclusive insurance agents are very knowledgeable in insurance sales which helps them sell on service rather than price.
Below are exclusive agents in Phoenix who may provide you with price quote information.
Independent Agencies or Brokers
Independent insurance agents often have many company appointments and that allows them to write policies with many different companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies and the insured can keep the same agent. When comparing rate quotes, you absolutely need to get some free quotes from at least one independent agent to get the best comparison.
Listed below are Phoenix independent insurance agents that are able to give price quote information.
Cheap insurance is out there
As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at the best cost, but do not skimp to save money.
Cheap Toyota Celica insurance in Phoenix is definitely available on the web and with local Phoenix insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some companies may not have the ability to get quotes online and usually these smaller companies sell through local independent agents.
- Choosing a Car for Your Teen (State Farm)
- Who Has Affordable Phoenix Car Insurance Quotes for a 20 Year Old Male? (FAQ)
- How Much is Phoenix Auto Insurance for Drivers with a DUI? (FAQ)
- How Much is Phoenix Auto Insurance After a Speeding Ticket? (FAQ)
- Who Has the Cheapest Phoenix Auto Insurance for Ride Shares? (FAQ)
- What Insurance is Cheapest for a Dodge Journey in Phoenix? (FAQ)
- Vehicle Insurance (Wikipedia)
- State Car Insurance Guides (GEICO)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Eight Auto Insurance Myths (Insurance Information Institute)