Do you need a fast way to compare cheaper Volkswagen R32 insurance in Phoenix? Wish you could get a refund on an underperforming, overpriced insurance policy? Don’t sweat it because you’re not the only one.
Surprisingly, a recent survey revealed that most insurance customers renewed their policy with the same company for a minimum of four years, and roughly 40% of drivers have never compared rate quotes at all. Phoenix consumers could pocket $700 a year by just comparing rate quotes, but most tend to underestimate the large savings they would see if they replace their high priced policy. Because there are so many options for buying cheap insurance for a Volkswagen R32 in Phoenix, it can be challenging to locate the cheapest insurance company.
It’s important to compare prices occasionally because prices change quite often. Just because you had the best rates on Volkswagen R32 insurance in Phoenix a couple years back you can probably find a lower rate today. Ignore everything you know about insurance because you’re about to learn the easiest way to find lower rates on insurance.
Locating the most cost-effective insurance policy in Phoenix is actually quite easy if you know where to start. If you already have coverage, you will most likely be able to reduce the price you pay using the tips covered below. Vehicle owners only need to know the most time-saving way to compare rate quotes from multiple carriers.
Compare Volkswagen R32 insurance rates
All major insurance companies such as Allstate, GEICO and Progressive allow you to get prices for coverage directly from their websites. Getting quotes for Volkswagen R32 insurance in Phoenix is quite simple as you just enter the coverage amounts you desire into a form. After you complete the form, the company’s rating system will order information on your driving record and credit history and returns a price based on these factors. This makes it easy to compare insurance prices and it’s also necessary to compare as many rates as possible in order to find the most affordable premium possible.
To get comparison pricing now, compare rates from the companies below. If you have a policy now, it’s recommended you input the limits and deductibles exactly as they are listed on your policy. This guarantees you will have a fair comparison based on similar coverages.
The auto insurance companies shown below can provide price comparisons in Phoenix, AZ. If multiple providers are shown, we suggest you visit as many as you can to get the most affordable price.
Do you qualify for discounts?
Some insurance providers do not advertise the entire discount list in a way that’s easy to find, so we break down some of the best known and also the more inconspicuous discounts that you can inquire about if you buy Phoenix auto insurance online. If you’re not getting every credit possible, you are not getting the best rate possible.
- Phoenix Homeowners Pay Less – Owning your own home or condo may earn you a small savings because owning a home is proof of financial responsibility.
- Pay Now and Pay Less – By making one initial payment rather than paying monthly you can avoid monthly service charges.
- Good Students Pay Less – A discount for being a good student may save you up to 25%. Many companies even apply the discount to college students up to age 25.
- Telematics Data – Phoenix drivers who agree to allow companies to monitor their driving habits by using a telematics device like Allstate’s Drivewise may see discounts if they have good driving habits.
- Lower Rates for Military – Being deployed in the military could qualify you for better rates.
- Renewal Discounts – Some companies give discounts for renewing your policy prior to your current R32 insurance policy expiration. You could save around 10% when you buy Phoenix auto insurance online.
- Multi-line Discount – Larger insurance companies have lower car insurance rates if you buy life insurance from them.
- Theft Deterrent – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Defensive Driver – Passing a class that teaches defensive driving techniques could save 5% or more if your company offers it.
- Discounts for New Vehicles – Buying car insurance coverage on a new vehicle can get you a discount compared to insuring an older model.
Don’t be shocked that some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.
A few of the larger companies and some of the premium reductions they offer are outlined below.
- GEICO offers discounts for multi-policy, anti-lock brakes, five-year accident-free, good student, daytime running lights, air bags, and military active duty.
- USAA may include discounts for vehicle storage, loyalty savings, family discount, safe driver, and annual mileage.
- Progressive has savings for good student, multi-policy, homeowner, online quote discount, online signing, and multi-vehicle.
- American Family offers discounts including early bird, bundled insurance, multi-vehicle, Steer into Savings, mySafetyValet, and TimeAway discount.
- Esurance discounts include Switch & Save, defensive driver, anti-lock brakes, Pac-12 alumni, and online shopper.
- Farmers Insurance may have discounts that include electronic funds transfer, teen driver, bundle discounts, homeowner, good student, distant student, and pay in full.
- State Farm offers premium reductions for student away at school, passive restraint, good student, safe vehicle, and multiple policy.
If you want inexpensive Phoenix auto insurance quotes, ask each company which discounts you may be entitled to. A few discounts may not apply to policyholders in every state. If you would like to choose from a list of car insurance companies with the best discounts in Phoenix, click here to view.
Local Phoenix auto insurance agents
Some people would rather sit down and talk to an agent and that is a smart decision Agents are highly skilled in risk management and help file insurance claims. One of the benefits of comparing rates online is you may find lower rates and still buy from a local agent.
By using this quick form, your coverage information is sent to agents in your area who will give you bids for your coverage. It simplifies rate comparisons since you won’t have to leave your house due to the fact that quote results will go directly to your email. If for some reason you want to get a rate quote from a specific insurance company, just jump over to their website and fill out their quote form.
Finding the right insurer requires you to look at more than just the quoted price. These are some questions your agent should answer.
- Are they properly licensed to sell insurance in Arizona?
- Are they actively involved in the community?
- Do they offer claims assistance after hours?
- Which insurance company do they prefer to write with?
- Are you getting all the discounts the company offers?
- Which insurance companies are they affiliated with?
- Can you contact them at any time?
Types of car insurance agents
If you want to buy car insurance from an insurance agent, it’s important to understand the different types of agents to choose from. Insurance agencies in Phoenix are considered either exclusive agents or independent agents. Either can do a good job, but it’s a good idea to understand the differences since it can affect the selection process.
Exclusive Insurance Agents
Agents that choose to be exclusive can only place business with one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to compare rates from other companies so always compare other rates. Exclusive agents are well schooled on the products they sell and that enables them to sell even at higher rates.
Listed below is a short list of exclusive agencies in Phoenix who may provide you with comparison quotes.
Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400 – View Map
Independent Agencies or Brokers
These type of agents are not required to write business for one company so they have the ability to put coverage with a variety of different insurance companies and possibly get better coverage at lower prices. If your premiums go up, they simply move the coverage in-house and you don’t have to switch agencies.
When comparing car insurance prices, you absolutely need to include rate quotes from a couple of independent agencies for the best price selection.
Listed below are Phoenix independent agencies that can give you comparison quotes.
Seven factors that affect insurance prices
Smart consumers have a good feel for some of the factors that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates, this enables you to make decisions that will entitle you to lower premium levels.
The list below includes some of the most rate-impacting factors used by companies to determine your rates.
- Use credit responsibly and save – Having a good credit score is a large factor in determining your rates. If your credit rating can use some improvement, you may save money insuring your Volkswagen R32 by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with bad credit.
- Cheaper rates with safer cars – Safe vehicles tend to have lower insurance rates. These vehicles reduce injuries and better occupant protection means less claims paid which can mean better rates for you.
- Claim-free discounts can add up – If you file a lot of claims you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Car insurance companies in Arizona generally give lower rates to drivers who file claims infrequently. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
- Remove unneeded incidental coverages – Insurance companies have many extra bells and whistles that you can get tricked into buying when buying auto insurance. Coverage for things like coverage for rental cars, high-cost glass coverage, and membership fees may be costing you every month. They may seem good when talking to your agent, but your needs may have changed so think about removing them and cutting costs.
- Annual mileage and car insurance prices – The higher the miles on your Volkswagen every year the more you will pay for auto insurance. The majority of insurers calculate prices based upon how the vehicle is primarily used. Autos that do not get driven very much cost less to insure than those used for commuting. An incorrectly rated R32 is throwing money out the window. It’s always a good idea to double check that your auto insurance coverage properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
- Marriage is a factor – Having a significant other can actually save you money compared to being single. Having a significant other translates into being more mature than a single person and insurance companies like that married couples file fewer claims.
- Continuous auto insurance coverage saves money – Going without insurance can be a quick way to pay more for auto insurance. Not only will you pay more, getting caught without coverage could result in a steep fine or even jail time.
Insuring your Volkswagen vehicle just makes sense
Even though Phoenix R32 insurance rates can get expensive, maintaining insurance is most likely required but also gives you several important benefits.
- Most states have minimum liability requirements which means the state requires a specific minimum amount of liability coverage 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.
- If you bought your R32 with a loan, it’s guaranteed your bank will require you to buy full coverage to ensure loan repayment if the vehicle is totalled. If you do not pay your insurance premiums, the lender may insure your Volkswagen at a much higher premium rate and require you to fork over for it.
- Insurance preserves both your Volkswagen and your assets. It will also provide coverage for many types of medical costs for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If damage is caused by hail or an accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your R32 definitely exceed the cost, especially when you need to use it. Today the average American driver is overpaying over $810 a year so we recommend shopping around every year to make sure the price is not too high.
What is YOUR best insurance company?
In this article, we presented some good ideas how to lower your Volkswagen R32 insurance car insurance rates in Phoenix. The most important thing to understand is the more companies you get premium rates for, the better chance you’ll have of finding the cheapest Volkswagen R32 rate quotes. You may even find the best car insurance rates are with a lesser-known regional company. Some small companies can often provide lower premium rates in certain areas than their larger competitors like State Farm and Allstate.
When searching for low cost Phoenix auto insurance quotes, do not buy poor coverage just to save money. There have been many situations where drivers have reduced liability limits or collision coverage and learned later that it was a big mistake. Your goal should be to purchase a proper amount of coverage at the best price, but don’t skip important coverages to save money.
For more information, link through to the following helpful articles:
- Electronic Stability Control FAQ (iihs.org)
- Who Has the Cheapest Phoenix Auto Insurance Rates for 4×4 Vehicles? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Distracted Driving Statistics (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)
- Credit and Insurance Scores (Insurance Information Institute)