Are you tired of trying to find cheaper Subaru Baja insurance in Phoenix? Tired of sacrificing other expenses to make your auto insurance payment? You are no different than many other consumers in Arizona.
Sadly, about 70% of customers have been with the same company for over three years, and almost 40% of drivers have never taken the time to shop around. Many consumers in America can save hundreds of dollars each year just by shopping around, but they don’t believe the amount of savings they would get if they switched to a cheaper policy.
There is such a variety of insurance companies to choose from, and although it’s nice to have a choice, it can be more difficult to find the lowest cost provider for Subaru Baja insurance in Phoenix.
Smart consumers take time to get comparison quotes occasionally due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the best deal on Subaru Baja insurance in Phoenix a year ago there may be better deals available now. Don’t believe everything you read about Baja insurance online, but in this article, you’re going to get some tested techniques to reduce your auto insurance bill.
Comparison shopping for the cheapest coverage in Phoenix is not as hard as you think. Essentially every person who needs cheaper car insurance will probably find a better price. Nevertheless, Arizona vehicle owners can benefit from knowing how the larger insurance companies market on the web.
Cheap Subaru insurance rate quotes in Phoenix
The companies shown below provide comparison quotes in Phoenix, AZ. If more than one company is shown, we suggest you visit as many as you can in order to get a fair rate comparison.
Do you qualify for discounts on Subaru Baja insurance in Phoenix?
Insuring your fleet can be pricey, but there could be significant discounts that you may not know about. Some discounts apply automatically at the time of quoting, but a few need to be manually applied prior to getting the savings.
- Multi-policy Discount – When you combine your auto and homeowners insurance with the same company you will save up to 20% off your total Baja insurance premium.
- ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
- Discounts for New Vehicles – Adding a new car to your policy can cost up to 25% less since new vehicles have better safety ratings.
- Mature Driver Discount – If you qualify as a senior citizen, you can get reduced rates.
- No Charge for an Accident – This one is not really a discount per se, but certain companies will turn a blind eye to one accident before your rates go up so long as you are claim-free for a certain period of time.
- Claim-Free Discount – Insureds with no claims or accidents can earn big discounts in comparison with drivers who are more careless.
- Membership in Organizations – Having an affiliation with a professional or civic organization may earn a discount on your policy.
Keep in mind that some of the credits will not apply to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, it just doesn’t work that way. But any discount should definitely cut your policy premiums.
To find providers that offer discounts in Arizona, click here.
Insurance agencies are trained to help
A lot of people would prefer to go talk to an agent and that is just fine! The biggest benefit of comparing insurance prices online is you may find better rates and still choose a local agent. Putting coverage with local insurance agents is especially important in Phoenix.
To find an agent, once you fill out this simple form, your insurance coverage information is emailed to agents in your area who will return price quotes to get your business. It makes it easy because there is no need to search for an agent as quotes are delivered directly to your email. You can most likely find cheaper rates AND an agent nearby. If you want to get a price quote from a particular provider, you can always find their quoting web page and submit a quote form there.
Not all car insurance agents are the same
If you would like to find local Phoenix agents, there are a couple of types of insurance agents to choose from. Phoenix agents can be categorized as either independent agents or exclusive agents.
Independent Agencies or Brokers
These type of agents do not write with just one company so they can quote policies with multiple insurance companies and get the cheapest rates. If they quote lower rates, the business is moved internally and you stay with the same agent.
When comparing rates, you definitely need to contact multiple independent agents to get the best comparison.
Below is a partial list of independent insurance agencies in Phoenix who can help you get free rate quotes.
Exclusive Insurance Agents
Agents of this type can only provide one company’s prices such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to provide other company’s prices so keep that in mind. Exclusive agents are usually well trained on what they offer which helps overcome the inability to quote other rates.
Shown below are Phoenix exclusive agencies who can help you get price quotes.
Lula Smith – State Farm Insurance Agent
7217 S Central Ave – Phoenix, AZ 85042 – (602) 232-0793 – View Map
Finding the right insurance agency shouldn’t rely on just a cheap price. Get answers to these questions too.
- Does the company allow you to choose your own collision repair facility?
- If your car is in the repair shop, do you have coverage for a rental car?
- Does the agency have a good rating with the Better Business Bureau?
- Is working in the agency their full-time job?
- If you raise deductibles, how much can you save?
After getting good feedback to any questions you have as well as an affordable premium quote, it’s a good possibility that you have found an auto insurance agent that will properly service your insurance policy. Just be aware that you are able to terminate your policy when you choose so don’t think you’re contractually obligated to a specific company for the full policy term.
Auto insurance coverage basics
Knowing the specifics of a auto insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on the average auto insurance policy.
Collision coverage – Collision coverage covers damage to your Baja caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like crashing into a ditch, damaging your car on a curb and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible on your Baja to bring the cost down.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like funeral costs, prosthetic devices, EMT expenses, doctor visits and pain medications. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like a tree branch falling on your vehicle, a broken windshield, damage from a tornado or hurricane, falling objects and hitting a deer. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Subaru Baja.
Due to the fact that many Arizona drivers only carry the minimum required liability limits (which is 15/30/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.
Liability coverages – Liability insurance can cover damage or injury you incur to people or other property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 15/30/10 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as medical expenses, funeral expenses, medical services and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Arizona requires drivers to carry at least 15/30/10 but you should consider buying more coverage.
Do the work, save more money
We’ve covered a lot of techniques to find cheap Subaru Baja insurance in Phoenix. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the biggest savings come from the smaller companies. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.
When shopping online for insurance, never reduce needed coverages to save money. In many cases, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.
Some insurance companies may not provide rate quotes online and most of the time these smaller providers only sell through independent agents. Cheap Subaru Baja insurance in Phoenix is attainable online and also from your neighborhood Phoenix agents, and you should compare price quotes from both to have the best selection.
Additional information is located at these links:
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Who Has Affordable Phoenix Car Insurance Rates for High Mileage Drivers? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for Police Officers? (FAQ)
- Senior Drivers (Insurance Information Institute)
- Distracted Driving Extends Beyond Texting (State Farm)