Is Your Peoria, AZ Car Insurance Breaking the Bank?

Cutting costs on Peoria car insurance is always hard for consumers new to shopping for insurance online. You have so many options that it can quickly become a big hassle to find lower rates in Peoria.

Choosing the best insurance company for you in Peoria is not rocket science. If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to find the best rates while maintaining coverages. Arizona drivers just need to learn the proper methods to get comparison rates over the internet.

How to Compare Car Insurance Costs in Peoria, Arizona

All major car insurance companies such as State Farm, GEICO and Progressive give coverage price quotes online. Getting quotes is quite easy as you simply enter the coverage amounts you desire into a form. After you submit the form their rating system automatically retrieves your driving and credit reports and returns a price quote.

Quoting online makes comparing rates easy, but the process of having to visit a lot of sites and enter the same data into a form can get tiresome after awhile. But it’s very important to compare as many rates as possible if you are searching for the lowest possible prices on car insurance.

Isn’t there an easier way to compare rates?

A quicker way to locate the lowest prices is to use a quote form that gets prices from many companies. It saves time, requires much less work on your part, and makes price shopping online much more enjoyable. Once the form is submitted, it is rated and you can select any or none of the quotes returned. If a lower price is quoted, you can simply submit the application and buy the policy. The whole process just takes a couple of minutes and may save quite a bit of money.

To compare rates using this form now, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you input the coverages identical to your current policy. Using the same limits helps guarantee you will have rate comparison quotes using the same coverage and limits.

Don’t pay full price with these discounts

Companies don’t always advertise all available discounts in an easy-to-find place, so here is a list both the well known and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you deserve, you are throwing money away.

  • College Student – Children living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Drive Less and Save – Keeping the miles down can qualify you for discounted rates on garaged vehicles.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Homeowners Discount – Simply owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount with certain companies.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in school.

Keep in mind that most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

Online quotes with a local Peoria insurance agent

Some consumers would prefer to visit with an insurance agent and that is just fine! Licensed agents are trained to spot inefficiencies and help submit paperwork. The best thing about price shopping on the web is you can get lower rates and still choose a local agent.

To find an agent, once you fill out this simple form, the quote information is immediately sent to local insurance agents who will give you bids to get your business. There is no reason to drive around due to the fact that quote results will go immediately to your email address. It doesn’t get any easier!

Deciding on a company should depend on more than just the premium amount. These questions are important to ask:

  • If you have an accident, will your rates go up?
  • Is the agency involved in supporting local community causes?
  • If they are an independent agency, which companies do they recommend?
  • Can they give you a list of client referrals?
  • Are there any discounts that you might be missing?
  • Did they already check your driving record and credit reports?

Two types of insurance agents

If you’re trying to find a local agent, you must know there are a couple different types of agents to choose from. Agencies in Peoria are categorized either captive or independent. While both can write coverage properly, but it’s worth mentioning the difference between them because it can impact your agent selection.

Captive Agents

Captive agents can only write with one company and examples are Allstate, Farmers Insurance or State Farm. They are unable to place coverage with different providers so they have to upsell other benefits. These agents are trained well on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers frequently buy insurance from these agents primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.

Shown below are Peoria captive agents that can give you comparison quotes.

  • American Family Insurance – 7420 W Cactus Rd # B14 – Peoria, AZ 85381 – (623) 979-5061
  • Allstate Insurance Co – 20283 N Lake Pleasant Rd # 112 – Peoria, AZ 85382 – (623) 572-5135
  • Farmers Insurance Group – 6718 W Greenway Rd – Peoria, AZ 85381 – (623) 486-2322
  • State Farm Insurance – 8392 W Thunderbird Rd – Peoria, AZ 85381 – (623) 412-2770
Independent Insurance Agents

Independent insurance agents are not locked into one company so they have the ability to put coverage with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.

When searching for an agent, you should always include at least one independent agent to get the best comparison. Many write coverage with smaller regional carriers which can be an advantage.

Listed below are Peoria independent insurance agents who can help you get comparison quotes.

  • Matt Richey Agency – 19265 N 83rd Ave – Peoria, AZ 85382 – (623) 566-4457
  • Jeanie Zaporowski Agency – 6750 W Olive Ave # 107 – Peoria, AZ 85345 – (623) 979-7701
  • Coker Insurance Svc – 9051 W Kelton Ln # 5 – Peoria, AZ 85382 – (623) 974-2300
  • EMC Insurance Co – 16150 N Arrowhead Fntns Ctr Dr – Peoria, AZ 85382 – (623) 776-2500

To view a complete directory of insurance agents in Peoria, please go to this site.

Once you have good answers to all your questions and an affordable coverage quote, you may have just found a car insurance agent that meets your needs to provide car insurance coverage.

Auto insurance in Peoria AZ

You have some control over your rates

It’s important that you understand the different types of things that come into play when calculating your car insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with better car insurance rates.

  • Traffic violations increase rates – Even a single citation can boost insurance rates twenty percent or more. Careful drivers have lower premiums than their less careful counterparts. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Where you live is a factor – Living in less populated areas can be a good thing when it comes to car insurance. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Urban drivers have to deal with much more traffic to deal with and longer commutes to work. More time on the road means more change of being in an accident.
  • Battle of the sexes – Statistics show that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. They both have accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as DWI and reckless driving.
  • Increase deductibles and save – Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, or theft. Your deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more you are required to pay out-of-pocket, the lower your rates will be.
  • Safer occupants lowers premiums – Vehicles with good safety scores can get you lower premiums. The safest vehicles have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you.
  • What type of vehicle do you drive? – The performance of the car you drive makes a significant difference in determining your rates. The cheapest insurance rates are generally reserved for lower performance four cylinder passenger vehicles, but other factors influence the final cost greatly.

Better coverage you can count on

The cheapest car insurance can be purchased both online and with local Peoria insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

We just presented many ways to lower your car insurance rates. 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 most savings is with a smaller regional carrier.

As you shop your coverage around, never reduce coverage to reduce premium. In too many instances, someone dropped liability coverage limits only to regret that the few dollars in savings costed them thousands. The aim is to get the best coverage possible for the lowest price.

Even more information can be found at the Arizona Department of Insurance website. Arizona drivers can read consumer alerts, file complaints about an insurance agent or broker, find disaster information, and view agent and company licensing information.