Finding affordable Phoenix Kia Spectra insurance quotes on the web is somewhat difficult for vehicle owners not familiar with buying insurance over the internet. With such a large number of agents and insurers available, how can you have time to compare every auto insurance company to find the lowest price available?
Amazingly, most auto insurance customers have bought auto insurance from the same company for four years or more, and nearly half have never quoted auto insurance rates at all. Phoenix insurance shoppers could save as much as $733 each year, but they just feel it’s too hard to go online and compare rates.
You need to compare prices yearly since prices are rarely the same from one policy term to another. If you had the best rate on Kia Spectra insurance in Phoenix a couple years back there is a good chance you can find better premium rates now. Forget all the misinformation about auto insurance because you’re about to learn how to quote online to reduce your cost while improving coverage.
Companies offering Kia Spectra insurance in Arizona
The providers in the list below are our best choices to provide free quotes in Arizona. If multiple providers are shown, we recommend you visit two to three different companies in order to find the most competitive rates.
Get cheaper Kia Spectra insurance rates in Phoenix
Auto insurance companies don’t necessarily list all possible discounts in an easy-to-find place, so the following list contains both well-publicized as well as some of the hidden discounts that you can inquire about if you buy Phoenix auto insurance online.
- Paperwork-free – Some of the larger companies give back up to $50 for completing your application over the internet.
- Switch and Save Discount – Some companies provide a discount for buying a new policy before your current Spectra insurance policy expires. It’s a savings of about 10%.
- Multiple Policy Discount – When you combine your auto and homeowners insurance with the same insurance company you may earn over 10 percent off each policy depending on the company.
- Resident Student – Youth drivers who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
- No Claim Discounts – Good drivers with no accidents pay much less in comparison with policyholders that have many claims.
One thing to note about discounts is that most credits do not apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, insurance companies aren’t that generous.
Insurance companies that may have some of the discounts shown above possibly include:
If you are trying to find inexpensive Phoenix auto insurance quotes, ask every insurance company which discounts they offer. Discounts might not be available to policyholders in your area.
Shop online but buy locally
A lot of people still prefer to talk to a local agent and that is a smart decision The best thing about getting free rate quotes online is the fact that you can find cheap insurance quotes and still have a local agent. Buying from local agents is especially important in Phoenix.
To make it easy to find an agent, after completing this simple form, your information is immediately sent to insurance agents in Phoenix that give free quotes for your coverage. You won’t need to search for an agent because prices are sent immediately to you. You can find the lowest rates without the usual hassles of price shopping. If you wish to compare rates from a particular provider, you would need to find their quoting web page and give them your coverage information.
Exclusive agents vs. Independent agents
If you are wanting to find a local Phoenix insurance agency, it’s important to understand the different types of agencies to choose from. Agents in Phoenix can either be independent (non-exclusive) or exclusive.
Independent Agents (or Brokers)
Agents of this type do not sell for just one brand so they can write business with multiple insurance companies and get the cheapest rates. If your premiums go up, your agent can just switch to a different company and you don’t have to find a new agent.
If you need lower rates, you definitely need to get quotes from at least one independent agent to have the most options to choose from. They also have the ability to place coverage with additional companies that you may not be familiar with who may have lower rates.
Listed below are Phoenix independent agencies who can help you get comparison quotes.
- General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map
- UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map
- LA Insurance Agency
7602 S Central Ave – Phoenix, AZ 85042 – (602) 276-0002 – View Map
Exclusive Insurance Agencies
These agents can only quote rates from one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive agents are usually well trained on what they offer which helps overcome the inability to quote other rates. Some people will only buy from the same agent for years primarily because of high brand loyalty rather than low price.
The following is a short list of exclusive insurance agents in Phoenix who can help you get price quotes.
- GEICO Insurance Agent
9515 W Camelback Rd #134 – Phoenix, AZ 85037 – (602) 234-3426 – View Map
- Severiano Torres III – State Farm Insurance Agent
1820 N 75th Ave #106 – Phoenix, AZ 85035 – (623) 846-0240 – View Map
- Marcella Busto – State Farm® Insurance Agent
3401 N 32nd St B – Phoenix, AZ 85018 – (602) 955-5450 – View Map
Choosing an auto insurance agent needs to be determined by more than just a cheap price. These are some questions your agent should answer.
- In the event of vehicle damage, can you pick the collision repair facility?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Will they take your side in the event of a claim?
- Which companies do they recommend if they are an independent agency?
- Will your rates increase after a single accident?
- Are they involved in claim handling?
- How often do they review policy coverages?
- Who is covered by the car insurance policy?
Are car insurance companies telling the truth?
Popular car insurance providers such as State Farm and Allstate endlessly run ads on TV and radio. All the ads state the claim about savings just by switching your car insurance coverage to their company. How does each company say the same thing? This is the trick they use.
All the different companies give the best rates for the type of driver that will be a good risk. One example of a driver they prefer should be between the ages of 30 and 45, has no prior claims, and drives a car with an anti-theft system. A customer who fits that profile will probably get cheap prices and most likely will save a lot of money.
Potential insureds who do not meet the requirements will probably be forced to pay more expensive rates and this results in the customer not purchasing. If you pay close attention to the ads, they say “customers who switch” not “everyone that quotes” save that much money. This is how companies can make it sound like they have such great premium rates.
Because of these techniques, you need to compare many company’s premium rates. It’s just not possible to know which company will give you the biggest savings.
You can find affordable coverage
People who switch companies do it for any number of reasons including lack of trust in their agent, not issuing a premium refund, high rates after DUI convictions or even extreme rates for teen drivers. Whatever your reason, choosing a new company is easier than you think.
We just covered a lot of information how to compare Kia Spectra insurance rates in Phoenix. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable Kia Spectra insurance quotes. Consumers may even find the most savings is with an unexpected company.
When you buy Phoenix auto insurance online, it’s very important that you do not reduce coverage to reduce premium. In many cases, consumers will sacrifice collision coverage only to regret at claim time that it was a big mistake. Your goal is to find the BEST coverage at the lowest possible cost while still protecting your assets.
Helpful learning opportunities
- Safety Belts FAQ (iihs.org)
- What Insurance is Cheapest for Drivers Under 21 in Phoenix? (FAQ)
- Who Has Affordable Car Insurance Quotes for Postal Workers in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Bad Credit in Phoenix? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)
- Avoiding Deer Collisions (Insurance Information Institute)