Expert Advice on Paying Less for Lake Havasu City Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us, you are not the only one feeling buyer’s remorse. Drivers have so many auto insurance companies to choose from, and though it is a good thing to have a choice, it can be more challenging to find a good deal.

It’s a good idea to shop coverage around every six months since rates fluctuate regularly. Just because you found the best price six months ago you can probably find a better price now. You’ll find quite a bit of inaccurate information about car insurance online, so we’re going to give you some of the best ways to put money back in your pocket.

This information will instruct you on how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these tips. Arizona consumers only need an understanding of the tricks to get comparison quotes online.

Lake Havasu City Car Insurance Comparisons

Finding lower Lake Havasu City car insurance rates can be relatively painless. The only requirement is to invest a little time to get quotes online from several insurance companies. This is very easy and can be done in several different ways.

The easiest and least time consuming way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This form saves time by eliminating separate quotation requests for each company. One form submission gets you coverage quotes instantly.<img class="alignright" style="padding-top:15px" src="" alt="Lake Havasu City AZ insurance quotes” />

A less efficient way to analyze rates is spending the time to visit each company website to request a price quote. For example, let’s assume you want to compare rates from GEICO, Esurance and Farmers. To find out each rate you need to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in Lake Havasu City, click here.

Whichever way you use, make sure you use the exact same quote information on every quote. If you use different deductibles it’s impossible to determine which rate is truly the best in Lake Havasu City.

Discounts are available to cut your rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be manually applied before you get the savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Defensive Driver – Taking a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Life Insurance Discount – Larger companies have a break if you buy auto and life insurance together.
  • Multi-car Discount – Insuring more than one vehicle with the same company can get a discount on all vehicles.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • No Accidents – Good drivers with no accidents pay less when compared to accident-prone drivers.
  • Student in College – Any of your kids who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Sign Online – A few companies give back up to $50 simply for signing on their website.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will cut the cost of coverage.

To see a list of insurance companies offering car insurance discounts in Lake Havasu City, click this link.

lower rates in Lake Havasu City

Everyone needs different coverages

When it comes to choosing the best car insurance coverage, there is no perfect coverage plan. Every situation is different so your insurance should reflect that For instance, these questions might point out if your situation would benefit from professional advice.

  • Is a new car covered when I drive it off the dealer lot?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What should my uninsured motorist coverage limits be in Arizona?
  • Can I afford low physical damage deductibles?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Additional car insurance information can be read on the website for the Arizona Department of Insurance found here. Arizona drivers can file complaints about a company, get help finding coverage, and download brochures.