Free Guide to Spending Less for Buckeye Auto Insurance Online

Buying the cheapest Buckeye auto insurance on the internet can be intimidating for beginners to comparing rates online. When there are so many online companies available, how can anyone effectively compare every one to find the lowest rates?

It’s a good habit to price shop coverage every six months due to the fact that insurance rates trend upward over time. Even if you think you had the best price on your last policy other companies may now be cheaper. Don’t believe everything you read about auto insurance online but by reading this article, you’re going to learn a bunch of ideas how to quit paying high auto insurance rates.

Choosing the best insurance company for you in Buckeye is not rocket science. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these techniques. Although Arizona vehicle owners do need to learn how companies compete online.

How to Compare Auto Insurance in Buckeye, Arizona

There are several ways to shop for auto insurance, and some are less time-consuming than others. You could waste time talking about coverages with agents in Buckeye, or you could save time and use the web to get prices fast.

The majority of car insurance companies enroll in a system that enables customers to submit one quote, and each company returns a rated price based on that data. This saves time by eliminating repetitive form submissions for each company. To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to doing it this way is you cannot specify the companies to receive prices from. If you wish to select specific insurance companies to request quotes from, we put together a list of companies who write auto insurance in Arizona. Click to view list.

It’s your choice how you get your quotes, but double check that you are using the exact same coverage limits and deductibles with each company. If each company quotes mixed coverages you will not be able to truly determine the lowest rate in Buckeye. Slightly different coverages may result in a large different in cost. It’s important to know that comparing more company’s prices will enable you to find the best offered rates.

Drivers who switch save $398 a year? Really?

Companies like 21st Century, Allstate and State Farm consistently run ads in print and on television. All the ads make an identical promise that you’ll save big if you change to them. How can each company make almost identical claims? It’s all in the numbers.

All the different companies have a certain “appetite” for the driver that makes them money. A good example of a driver they prefer could possibly be a mature driver, a clean driving record, and has great credit. A driver who fits that profile receives the best rates and most likely will save quite a bit of money when switching.

Consumers who don’t measure up to the “perfect” profile will have to pay higher rates which usually ends up with business going elsewhere. The ad wording is “customers that switch” not “everybody who quotes” save that much. That is how insurance companies can confidently advertise the way they do. Because of the profiling, it’s extremely important to compare as many rates as you can. It’s just too difficult to predict which insurance companies will give you the biggest savings.Arizona insurance comparisons

Many Things Influence your Rates

An important part of buying insurance is that you know some of the elements that come into play when calculating your auto insurance rates. Understanding what determines base rates enables informed choices that may reward you with better auto insurance rates.

The list below includes some of the factors auto insurance companies consider when setting rates.

  • Do you have enough liability coverage? – Your policy’s liability coverage will protect you in the event that you are found liable for personal injury or accident damage. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Always keep insurance in force – Allowing your auto insurance policy to lapse will be a sure-fire way to trigger a rate increase. Not only will you pay more, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.You may then be required to submit proof of financial responsibility or a SR-22 with the Arizona DMV.
  • Credit scores impact auto insurance rates – A driver’s credit history is a big factor in determining what you pay for auto insurance. So if your credit rating is not that good, you could potentially save money when insuring your by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit scores.
  • Do you need those extra coverages? – There are quite a few extra coverages you can purchase on your policy. Things like personal injury protection, better glass coverage and additional equipment coverage may be costing you every month. They may seem like a good idea initially, but now you might not need them so remove them from your policy.
  • Careful drivers pay lower rates – Whether or not you get tickets has a big impact on rates. Good drivers receive lower rates compared to drivers with tickets. Even one ticket can increase rates by twenty percent. Drivers with flagrant tickets like DWI, reckless driving or hit and run convictions are required to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Big city or small town – Being located in a rural area can save you money when insuring your vehicles. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large Arizona cities regularly have traffic congestion and longer commute times. Higher commute times means higher likelihood of an accident.
  • Performance makes a difference – The performance of the vehicle you are insuring makes a huge difference in how high your rates are. The most favorable rates tend to be for lower performance four cylinder passenger models, but there are many factors that impact the final cost.
  • Frequent auto insurance claims increase rates – If you frequently file small claims, you can pretty much guarantee higher rates. Car insurance companies in Arizona provide better rates to policyholders who do not file claims often. Insurance coverage is meant to be used in the event of the large, substantial claims.

More discounts equal less premium

Companies that sell car insurance do not advertise every available discount very well, so we took the time to find some of the more common and the harder-to-find savings tricks you should be using.

  • Memberships – Belonging to a qualifying organization may earn a discount on auto insurance.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Senior Citizens – Older drivers may receive better auto insurance rates.
  • No Claims – Drivers with accident-free driving histories pay much less as compared to bad drivers.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Safety Course Discount – Completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount with a few auto insurance companies.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

For a list of providers with discount auto insurance rates in Arizona, click here to view.

But don’t I need an insurance agent?

A small number of people just want to talk to a local agent and that is OK! The biggest benefit of price shopping on the web is the fact that you can find the lowest rates and still choose a local agent.

After completing this quick form, the quote information gets sent to insurance agents in Buckeye who will give you bids for your coverage. You don’t have to visit any agencies as quotes are delivered to your email. It doesn’t get any easier! You can find better rates and an insurance agent to talk to.

Selecting a company shouldn’t rely on just the bottom line cost. Agents should be asked these questions:

  • Do they specialize in personal lines coverage?
  • Is working in the agency their full-time job?
  • How are claims handled?
  • What insurance companies do they work with?
  • Are claims handled at the agent’s location?
  • If you are a high risk driver, do they have special markets for your coverage?

If you want to view licensed agents in Buckeye, simply jump to this page.

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After getting satisfactory answers for all questions you ask and a low price estimate, chances are good that you have found an insurance company that meets your needs to provide auto insurance coverage.

Do the work, save more money

In this article, we presented a lot of tips how to get a better price on auto insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with the least-expected company.

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Cheaper auto insurance can be purchased both online and also from your neighborhood Buckeye agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Even more information can be found at the Arizona Department of Insurance website. Visitors are able to discover disciplinary actions, learn about specific coverages, and find out industry alerts.