Discover Proven Ways to Save on Glendale, AZ Auto Insurance

Have you fallen victim to high-priced auto insurance? Trust us, you’re not alone. Drivers have so many car insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it can be more challenging to find the best rates for your vehicles.

It’s a great practice to get comparison quotes every six months because rates are adjusted regularly by insurance companies. Even if you think you had the lowest price two years ago you may be paying too much now. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so we’re going to give you some proven techniques to save money.

Choosing the best insurance company for you in Glendale is not rocket science. If you have insurance now or are looking for a new policy, you can follow these tips to find better prices and possibly find even better coverage. Arizona consumers just need to learn the tricks to compare rates over the internet.

Do you qualify for discounts?

Car insurance companies don’t necessarily list every discount in a way that’s easy to find, so we researched both the well known and the harder-to-find auto insurance savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Discount for New Cars – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Paperless Signup – Some insurance companies will give a small break for buying your policy online.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Multi-car Discount – Insuring more than one vehicle on the same auto insurance policy qualifies for this discount.

Keep in mind that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

To choose companies who offer auto insurance discounts in Glendale, click here.

Finding Auto Insurance Deals in Glendale, Arizona

Cutting your auto insurance rates doesn’t have to be difficult. The only thing you need to do is take the time comparing rate quotes online from several insurance companies. This can be done using a couple different methods.

The single most time-saving way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do multiple quote forms for each company you want a rate for. Taking the time to complete one form will return quotes from several companies.

A more difficult way to shop for auto insurance online requires a visit to each company’s website and request a quote. For sake of this example, let’s assume you want rates from State Farm, Esurance and Allstate. You would have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

For a list of links to companies insuring cars in Glendale, click here.

The most time-consuming way to compare rates is driving around to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you prefer the professional guidance of a local agent. However, consumers can obtain prices from the web and still use a local agent and we’ll cover that in a bit.

It’s up to you which method you use, but make darn sure you compare exactly the same information with each company. If you use higher or lower deductibles it will be next to impossible to make a fair comparison in Glendale.

Informed Drivers can Cut Their Rates

Smart consumers have a good feel for the rating factors that go into determining the price you pay for auto insurance. Understanding what controls the rates you pay helps enable you to make changes that may reward you with big savings.Glendale insurance ad

  • Pay less after the wedding – Having a wife or husband can get you a discount on auto insurance. It means you’re more responsible and it’s proven that married couples file fewer claims.
  • Mature drivers pay less – Older insureds are more cautious drivers, file fewer claims and are safer drivers. Youthful drivers are known to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.
  • Do you qualify for a multi-policy discount? – Many companies will award you with lower prices to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to shop around to confirm you are receiving the best rates possible. You may still find a better deal by insuring with multiple companies.
  • Your job and insurance rates – Did you know your auto insurance rates can be affected by your occupation? Occupations such as judges, architects and stock brokers are shown to have the highest rates in part from high stress levels and lots of time spent at work. On the other hand, occupations such as scientists, students and homemakers pay the least.
  • Lower rates with optional equipment – Owning a car with an alarm system can get you a discount on your auto insurance. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Liability coverage is peace of mind – Liability insurance is the protection in the event that you are found to be at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so do not skimp.

What happened to insurance agents?

Some consumers just want to visit with an insurance agent and there is nothing wrong with that. Educated insurance agents can help determine the best coverages and give you someone to call. The best thing about getting online price quotes is you can get the best rates but also keep your business local.

To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is immediately sent to insurance agents in Glendale who will give you bids for your business. You never need to visit any agencies as quotes are delivered directly to your email. How’s that for easy!

Picking an insurer requires more thought than just the price. Ask your prospective agent these questions:

  • Who is covered by the car insurance policy?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do they feel the quoted coverages are adequate?
  • Are they full-time agents?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • How often do they review policy coverages?

Insurance agent types

When looking for local Glendale agents, you need to know there are two different agency structures to choose from. Agencies in Glendale are categorized either captive or independent (non-captive). Either one can properly insure your vehicles, but it’s important to know how they are different since it can impact your agent selection.

Agency Captives

Captive insurance agents work for only one company and examples are State Farm or Allstate. These agents are unable to place coverage with different providers so always compare other rates. They receive extensive training on the products they sell and that can be a competitive advantage.

Below are Glendale captive agents that are able to give rate quotes.

Farm Bureau Insurance – 17235 N 75th Ave # C100 – Glendale, AZ 85308 – (623) 487-3510
Allstate Insurance Co – 5930 W Greenway Rd – Glendale, AZ 85306 – (602) 298-2584
Farmers Insurance Group – 4112 W Camino Vivaz – Glendale, AZ 85310 – (623) 780-7565
State Farm Insurance – 6685 W Beardsley Rd # 250 – Glendale, AZ 85308 – (623) 561-0688
American Family Insurance – 5719 W Glendale Ave – Glendale, AZ 85301 – (623) 463-3400

Independent Insurance Agents

Independent agents are not required to write business for one company but rather can write business with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When comparison shopping, it’s a good idea to include several independent insurance agents to ensure the widest selection of prices.

The following are Glendale independent agents willing to provide rate quotes.

Randy A Savageau Agency Inc – 18001 N 79th Ave – Glendale, AZ 85308 – (623) 334-4474
Ideal Insurance – 4920 W Thunderbird Rd # 111 – Glendale, AZ 85306 – (602) 938-7579
Arizona Insurance Locators – 4808 W Glendale Ave – Glendale, AZ 85301 – (623) 847-7474
Matt Richey Agency – 4915 W Bell Rd # 201 – Glendale, AZ 85308 – (623) 566-4457
Chris Simmons Agency Inc – 5036 W Cactus Rd # 8 – Glendale, AZ 85304 – (602) 547-1900

For a full directory of Glendale insurance agents, please go to this site.

Glendale insurance ad

Upon getting satisfactory answers to your questions as well as a affordable price, you may have just found a car insurance agent that can service your policy.

Don’t be fooled by advertising claims

Arizona consumers can’t ignore all the ads that promise big savings by Progressive, Allstate and GEICO. They all make an identical promise of big savings after switching to their company.

How do they all make almost identical claims?

All companies have a certain “appetite” for the driver that makes them money. For example, a preferred risk might be over the age of 40, has no driving citations, and has great credit. A customer getting a price quote who matches those parameters will get the preferred rates and is almost guaranteed to cut their rates substantially.

Consumers who don’t meet the “perfect” profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ads say “customers that switch” not “everybody who quotes” save that kind of money. That is how companies can claim big savings. Because of the profiling, it’s extremely important to quote coverage with many companies. Because you never know the company that will give you the biggest savings.

Final considerations

Low-cost auto insurance is definitely available on the web and with local Glendale insurance agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where drivers have reduced liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Additional Arizona consumer information

More detailed Arizona auto insurance information is located at the Arizona Department of Insurance website. Arizona drivers can find disaster information, find out industry alerts, and learn about specific coverages.