Want to learn how to buy more affordable insurance rates in Phoenix, AZ? Phoenix drivers have many options when trying to find low-cost Saturn Astra insurance. They can either spend hours driving around to compare prices or utilize the internet to make rate comparisons.
There is a better way to find insurance online and you need to know the absolute fastest way to price shop coverage for a new or used Saturn and obtain the lowest price from Phoenix insurance agents and online providers.
It’s important to check insurance prices quite often since prices trend upward over time. Just because you found the best price on Saturn Astra insurance in Phoenix last year other companies may now be cheaper. Ignore everything you know about insurance because you’re going to get a crash course in one of the best ways to find better rates and still maintain coverage.
If you already have coverage or need new coverage, use these cost-cutting techniques to save money while maximizing coverage. The purpose of this post is to teach you a little about how to effectively get price quotes and how you can save the most money. Drivers just have to know the most efficient way to quote multiple rates using one simple form.
How to lower your Saturn Astra insurance cost in Phoenix, AZ
All major auto insurance companies allow you to get prices online. Getting online rates for Saturn Astra insurance in Phoenix is easy for anyone as you simply type in your required coverages into the quote form. After you complete the form, the system requests your driving record and credit report and quotes a price based on these and other factors.
Using the web to get price quotes for Saturn Astra insurance in Phoenix makes comparing rates easy, and it’s very important to have as many quotes as possible if you want to get a better rate.
To quickly find out if lower rates are available, compare quotes from the companies shown below. If you have a policy now, it’s recommended you copy the coverages as close as possible to your current policy. This guarantees you will have rate comparison quotes for exact coverage.
The following companies provide free rate quotes in Arizona. If multiple companies are listed, we recommend you visit several of them in order to find the cheapest rates.
Car insurance is not optional
Despite the high cost, car insurance is mandatory in Arizona but it also protects more than you think.
First, almost all states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability insurance in order to license the vehicle. 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 you bought your vehicle with a loan, most lenders will make it a condition of the loan that you have physical damage coverage to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the lender may have to buy a policy to insure your Saturn at a much higher rate and require you to fork over much more than you were paying before.
Third, insurance protects both your Saturn and your assets. Insurance will pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay to defend you if you cause an accident and are sued. If you have damage to your Saturn as the result of the weather or an accident, your car insurance policy will cover the damage repairs after a deductible is paid.
The benefits of buying car insurance more than offset the price you pay, particularly when you have a large claim. According to a 2015 survey, the average American driver is wasting up to $800 each year so compare quotes from several companies every year to be sure current rates are still competitive.
How You Can Control Saturn Astra Insurance Prices
Multiple criteria are taken into consideration when quoting car insurance. A few of the factors are predictable such as your driving record, but other criteria are more transparent such as whether you are married and annual miles driven. Part of the insurance buying process is learning some of the things that help determine the price you pay for insurance. When consumers understand what determines base rates, this enables you to make decisions that can help you get much lower annual insurance costs.
- Additional coverages that may be costing you – There are quite a few extra add-on coverages that you can get tricked into buying when buying insurance. Coverage for things like rental car reimbursement, accident forgiveness, and membership fees are probably not needed. The coverages may be enticing when deciding what coverages you need, but your needs may have changed so remove them and pocket the money.
- Increase physical damage deductibles and save – Your deductibles define the amount you are required to spend before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of covered claims would be colliding with a stationary object, damage from fire, and having a roll-over accident. The more damage repair cost you pay before a claim is paid (deductible), the less your company will charge you for insurance.
- Pay lower rates if you’re married – Having a significant other can get you a discount on your insurance policy. It generally demonstrates drivers are less irresponsible and insurance companies like that drivers who are married are more cautious.
- Performance makes a difference – The performance of the car you are trying to find cheaper insurance for makes a significant difference in your car insurance bill. Because the Saturn Astra is considered a sedan, insuring your vehicle will cost about the same as compared to the average rate in Phoenix. Economy passenger models generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.
- Cautious drivers pay less – Having just one moving violation may cause rates to rise to the point where it’s not affordable. Careful drivers have lower premiums than bad drivers. Drivers who get severe citations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a SR-22 with their state DMV in order to keep their license.
- Prices can change based on your address – Having an address in less populated areas of the country can save you money when buying insurance. Less people translates into fewer accidents in addition to lower liability claims People who live in big cities tend to have congested traffic and higher rates of accident claims. Spending more time driving translates into higher accident risk.
Get cheaper rates by taking advantage of discounts
Some insurance providers do not advertise all their discounts in an easy-to-find place, so the list below details some of the more common as well as some of the hidden credits available to you.
- Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% but check with your company.
- Phoenix Homeowners Pay Less – Being a homeowner may trigger a policy discount on auto insurance since home ownership means you have a higher level of financial diligence.
- Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts may be able to save a few bucks off the medical payments premium.
- Accident Free – Phoenix drivers who stay claim-free have much lower rates compared to insureds who have frequent claims or accidents.
- Telematics Data – Phoenix drivers who agree to allow their auto insurance company to scrutinize driving patterns by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they show good driving skills.
Consumers should know that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works. Any qualifying discounts will definitely reduce the premium cost.
If you would like to see a list of providers that offer discounts in Arizona, click here.
Compare rate quotes but work with a local neighborhood Phoenix car insurance agent
A small number of people would prefer to buy from a licensed agent and that is a personal choice. Agents are trained to spot inefficiencies and help you file claims. The best thing about price shopping on the web is you may find cheap insurance quotes and still have a local agent. And providing support for local agencies is especially important in Phoenix.
Upon completion of this simple form, the quote information is submitted to participating agents in Phoenix that provide free Phoenix car insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to visit any agencies since price quotes are sent to your email. If you have a need to get a rate quote from a specific company, feel free to visit that company’s website to submit a rate quote request.
Pick the best auto insurance agent in Phoenix for you
If you prefer to buy insurance from a good Phoenix insurance agent, it’s important to understand the different types of agents and how they can write your policy. Agencies in Phoenix can either be exclusive or independent. Both do a good job, but we need to point out why they differ since it can impact the type of agent you choose.
Independent Insurance Agencies
Agents of this type are not limited to a single company so as a result can place your coverage with any number of different companies enabling the ability to shop coverage around. If premiums increase, they can switch companies in-house which requires no work on your part.
If you are trying to find cheaper rates, you need to include rate quotes from multiple independent agents to have the best price comparison. Most have the option of insuring with companies that do not advertise much which may provide better rates.
Shown below is a partial list of independent agents in Phoenix that can possibly get you price quote information.
- MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 – View Map
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map
- Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map
Exclusive Insurance Agents
Agents of this type can only place business with one company such as Farmers Insurance, Allstate, or State Farm. They usually cannot provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive insurance agents are well trained on sales techniques which helps them sell insurance even at higher premiums. Consumers sometimes buy insurance from these agents primarily because of the prominence of the brand rather than low rates.
Shown below is a list of exclusive insurance agencies in Phoenix who can help you get price quote information.
- Jerry Wood – State Farm Insurance Agent
3738 E Thomas Rd – Phoenix, AZ 85018 – (602) 955-3284 – View Map
- John Abercrombie III – State Farm Insurance Agent
7207 N 7th St – Phoenix, AZ 85020 – (602) 906-0299 – View Map
- Douglas Cheung – State Farm Insurance Agent
2600 N 44th St #110 – Phoenix, AZ 85008 – (602) 840-6655 – View Map
Selecting a car insurance agent should include more criteria than just the price. Ask your prospective agent these questions:
- Where would your vehicle be repaired?
- Does the agency provide any after hours assistance?
- Will one accident increase rates?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Is the agent properly licensed in Arizona?
If you feel you receive reasonable responses to your questions as well as the cheapest Saturn Astra insurance in Phoenix quotes, you may have just found an insurance agency that is professional and can provide insurance coverage.
One last thing about your coverage
As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. In too many instances, someone sacrificed full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at the best price, but do not sacrifice coverage to save money.
Budget-friendly insurance in Phoenix is available both online as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not offer rate quotes online and many times these regional insurance providers work with local independent agencies.
People change insurance companies for a number of reasons such as poor customer service, extreme rates for teen drivers, high prices and lack of trust in their agent. It doesn’t matter why you want to switch finding a great new company can be easy and end up saving you some money.
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