Are you overwhelmed by the sheer number of auto insurance providers in Phoenix? Consumers have so many providers available that it can easily become a chore to find the best prices for Subaru B9 Tribeca insurance in Phoenix. Phoenix has lots to offer, but paying high auto insurance rates can make it hard for many residents to afford proper coverage amounts.
Surprisingly, a recent survey revealed that over 70% of consumers have remained with the same auto insurance company for over three years, and virtually 40% of consumers have never quoted rates to find cheaper coverage. U.S. drivers could save themselves about $860 a year by just comparing quotes, but most tend to underestimate how much money they would save if they switched.
Getting quotes for affordable policy in Phoenix can be fairly easy. Practically everyone who compares rates for auto insurance should be able to lower their premiums. But Arizona vehicle owners do need to know how companies determine premium rates because it can help you find the best coverage.
When shopping for Subaru B9 Tribeca insurance in Phoenix there are multiple ways of comparing rates from companies that offer insurance in Arizona. The quickest method to find the cheapest Subaru B9 Tribeca insurance rates is to jump online and get quotes.
When comparison shopping, more quotes increases the chance that you will find more affordable rates.
The companies in the list below are ready to provide price quotes in Arizona. If the list has multiple companies, we suggest you visit as many as you can to find the lowest auto insurance rates.
Cut your car insurance rates with discounts
Buying car insurance is not cheap, but there could be available discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you get a quote, but a few must be requested specifically before you will receive the discount.
- Club Memberships – Being in qualifying clubs or civic groups is a simple method to lower premiums on your next car insurance statement.
- Multi-Vehicle Discounts – Buying insurance for multiple cars with one company may reduce the rate for each vehicle.
- Discount for Swiching Early – A few insurance companies give discounts for switching policies before your current coverage expires. It’s a savings of about 10%.
- Government Employees – Federal government employees can save as much as 8% depending on your company.
- Low Mileage Discounts – Driving less can earn discounted rates on garaged vehicles.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance from them.
You can save money using discounts, but most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like you could get a free car insurance policy, you’re out of luck.
If you would like to see a list of providers with discount rates in Arizona, click here to view.
Find More Affordable Auto Insurance with These Tips
Smart consumers have a good feel for the rating factors that play a part in calculating the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.
The itemized list below are some of the factors used by companies to determine your prices.
Avoid policy lapses – Letting your insurance expire will be a guaranteed way to bump up your auto insurance costs. In addition to paying higher premiums, being ticketed for driving with no insurance may result in a license revocation or jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with the Arizona motor vehicle department.
Premiums increase with driving tickets – Careful drivers have lower premiums compared to bad drivers. Even a single speeding ticket can bump up the cost to the point where it’s not affordable. Drivers unfortunate enough to have license-revoking violations like reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state’s licensing department in order to continue driving.
Raising deductibles lowers rates – The deductibles you choose are how much you are required to spend if a covered claim is submitted. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims could be colliding with a stationary object, damage from fire, and damage from wind. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance.
Lower performance equals lower insurance costs – The performance level of the vehicle you drive makes a huge difference in your car insurance bill. Since the Subaru B9 Tribeca is a crossover, insuring your vehicle will cost slightly more when compared to the average rates in Phoenix. Lower cost passenger cars usually have the lowest rates, but many other things help determine your insurance rates.
Get rate quotes but buy from a local neighborhood Phoenix car insurance agent
Certain consumers still prefer to talk to an insurance agent and that is recommended in a lot of cases A good thing about comparing insurance prices online is that drivers can save money and get cheap insurance quotes and still have a local agent. Supporting local agencies is especially important in Phoenix.
To make it easy to find an agent, after completing this quick form, your insurance data is emailed to local insurance agents in Phoenix who will give you bids and help you find cheaper coverage. It makes it easy because there is no need to do any legwork since price quotes are sent immediately to you. You can find lower rates without having to waste a lot of time. If for some reason you want to quote rates from a specific insurance provider, you just need to visit that company’s website and fill out their quote form.
When looking for a reliable agent, there are a couple of different agency structures and how they differ in how they can insure your vehicles. Phoenix agents are classified as either exclusive agents or independent agents.
Independent Insurance Agencies or Brokers
Agents of this type are not required to write business for one company so they can quote policies through many companies and potentially find a lower price. If they find a cheaper price, your agent can switch companies which requires no work on your part. When comparing rate quotes, we recommend you include rate quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most independent agents also contract with companies you’ve never heard of which could offer lower prices.
Listed below are Phoenix independent insurance agencies that can give you free insurance quotes.
- Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map
- Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive generally can only insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to shop your coverage around so they have no alternatives for high prices. Exclusive insurance agents receive a lot of sales training on their company’s products and that can be a competitive advantage. Some people will only buy insurance from these agents partially due to the brand name and the convenience of having all coverages with one company.
Shown below is a short list of exclusive insurance agents in Phoenix that can give you price quote information.
- Severiano Torres III – State Farm Insurance Agent
1820 N 75th Ave #106 – Phoenix, AZ 85035 – (623) 846-0240 – View Map
- Nichole Schaffer – State Farm Insurance Agent
2612 N 7th St – Phoenix, AZ 85006 – (602) 439-7000 – View Map
- American Family Insurance – Luke Shafer
1717 E Bell Rd #7 – Phoenix, AZ 85022 – (602) 788-5359 – View Map
Finding a good insurance agent needs to be determined by more than just a cheap price quote. The following questions are important to ask.
- How long has their agency been open in Phoenix?
- How long have they worked with personal auto insurance coverage?
- Will a damage claim use OEM or aftermarket replacement parts?
- How is replacement cost determined on your vehicle?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they reduce claim amounts on high mileage vehicles?
- Is their price quote a firm figure or are their hidden costs?
Slick advertising tricks that work
Big name companies like Allstate, GEICO and Progressive regularly use television and radio advertisements. They all have a common claim that drivers will save a bundle if you get a free Phoenix auto insurance quote and switch to their company. But how can every company charge you a lower premium? Here is the trick they use.
Insurance companies have an ideal profile for the type of customer that is profitable for them. An example of a preferred risk may be a female over age 40, owns their home, and has excellent credit. Any person who matches that profile gets the lowest premium rates and is almost guaranteed to save money with a new company.
Potential customers who are not a match for those criteria may be required to pay higher premiums and this can result in business not being written. If you listen closely, the ads state “drivers that switch” not “everyone who quotes” save that much. This is how insurance companies can confidently make it sound like they have such great premium rates.
This really drives home the point why it’s extremely important to compare rate quotes every year. Because you cannot predict the company that will have better car insurance rates than you’re paying now.
Don’t give up on cheaper rates
As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.
Lower-priced Subaru B9 Tribeca insurance in Phoenix is definitely available online as well as from independent agents in Phoenix, so you need to quote Phoenix auto insurance with both to have the best chance of lowering rates. Some car insurance companies may not have internet price quotes and usually these regional insurance providers provide coverage only through independent agents.
Consumers leave their current company for many reasons like being labeled a high risk driver, not issuing a premium refund, poor customer service and even lack of trust in their agent. It doesn’t matter what your reason, finding the right car insurance provider is not as difficult as it may seem.
More detailed car insurance information is located at these sites:
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- How Much are Car Insurance Rates for a Chevrolet Equinox in Phoenix? (FAQ)
- How Much is Car Insurance for Veterans in Phoenix? (FAQ)
- Who Has Cheap Phoenix Car Insurance Quotes for a Toyota Corolla? (FAQ)
- Who Has Cheap Auto Insurance for Used Cars in Phoenix? (FAQ)
- Who Has Cheap Car Insurance for a 20 Year Old Female in Phoenix? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Insurance Losses by Make and Model (iihs.org)
- Safety Features for Your New Car (State Farm)