Oro Valley Arizona Car Insurance For Less Than You’re Paying Now

Expensive car insurance can empty your checking account, especially in this economy. Shopping your coverage around is free and is an excellent way to make sure you’re not throwing money away.

Lots of insurance companies contend to insure your vehicles, and it can be difficult to compare rates to get the cheapest price

Consumers need to compare rates periodically due to the fact that insurance rates go up and down regularly. Just because you had the best deal a year ago you can probably find a lower rate today. Starting right now, ignore everything you know about car insurance because you’re going to learn how to quote online to find lower rates on car insurance.

Oro Valley Rates are Influenced by These Factors

It’s important that you understand the rating factors that go into determining your car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get lower car insurance prices.

  • The type of vehicle makes a difference – The performance level of the car you drive makes a substantial difference in determining your rates. The cheapest insurance rates are usually for low performance passenger models, but the cost you end up paying is determined by many additional factors.
  • Do you have a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Careers like real estate brokers, social workers and accountants have higher rates than average in part from high stress levels and long work days. On the flip side, occupations such as scientists, athletes and homemakers get better rates.
  • Poor driving leads to higher costs – Even a single moving violation may increase your cost forty percent or more. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions 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.
  • Do you need those extra coverages? – There are a lot of add-on coverages you can purchase if you aren’t careful. Insurance for roadside assistance, better glass coverage and additional equipment coverage may be wasting your money. These coverages may sound good initially, but now you might not need them so eliminate the coverages to reduce your premium.
  • Your credit rating is important – Credit history is a huge factor in calculating your car insurance rates. So if your credit score is not that good, you could be paying less to insure your by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores.
  • Your location affects your rates – Being located in a rural area has it’s advantages when it comes to car insurance. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Fewer people means reduced accidents.
  • Marriage pays dividends – Having a spouse helps lower the price on car insurance. It usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.

Free Quotes for Car Insurance in Oro Valley, Arizona

The are a couple different ways to compare rate quotes and find the best price. The easiest way by far to find competitive insurance rates is to get quotes online. This can be accomplished in a couple of different ways.

  1. One of the simplest ways to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do separate quote forms to each individual car insurance company. A single, simple form gets you price quotes direct from many companies.
  2. A slightly less efficient method to get quotes online consists of visiting the website for every company you want to comare to request a price quote. For sake of this example, we’ll pretend you want to compare rates from Progressive, Farmers and American Family. To find out each rate you need to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in Oro Valley, click here.
  3. The least efficient method of comparing rate quotes is to waste gas driving to different agent offices. The ability to buy insurance online makes this process obsolete unless you have a need for the trained guidance of a licensed agent. However, consumers can price shop online but buy from a local insurance agent and we’ll talk about that later.

Which method you use is up to you, but ensure you’re using exactly the same coverage limits and deductibles on every quote you get. If you compare different liability limits it will be impossible to make an equal comparison in Oro Valley. Having just a slight variation in coverages can make a big difference in price. Just remember that comparing more company’s prices will increase your chances of finding a better price.

More discounts equal less premium

Insurance can be prohibitively expensive, but you can get discounts that many people don’t even know exist. Some discounts apply automatically at quote time, but some may not be applied and must be inquired about prior to receiving the credit.

  • No Accidents – Good drivers with no accidents pay much less when compared with drivers who are more careless.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance.
  • Memberships – Participating in certain professional organizations could qualify you for a break when buying car insurance.
  • Accident Waiver – Some insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
  • Drive Less and Save – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Bundle and Save – If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Passive Restraint Discount – Cars that have air bags may earn rate discounts of up to 25% or more.

Consumers should know that some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will help reduce the cost of coverage.

To choose insurers with the best car insurance discounts in Arizona, click here.

Neighborhood insurance agents

Certain consumers would prefer to talk to a local agent and that is OK! One of the great benefits of getting online price quotes is that you can obtain better rates but still work with a licensed agent. And supporting local insurance agencies is important particularly in Oro Valley.

After filling out this form (opens in new window), the quote information is emailed to local insurance agents in Oro Valley who will battle for your business. There is no need to visit any agencies as quotes are delivered to the email address you provide. Now that’s easy! You’ll get the best rates AND a local agent.

Captive agents vs. Independent agents

When looking for a reliable agent, you must know there are a couple types of insurance agents from which to choose. Agencies in Oro Valley can either be captive or independent.

Independent Agents

Independent insurance agents are not employed by any specific company so they have the ability to put coverage with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part.

When searching for an agent, it’s recommended you include price quotes from at a minimum one independent agency for the best price selection.

Below is a list of independent agencies in Oro Valley who may be able to give you price quotes.

Becker Agency – 12470 N Rancho Vistoso Blvd – Oro Valley, AZ 85755 – (520) 742-4437

Captive Insurance Agents

Captive agents write business for a single company like State Farm, AAA, Farmers Insurance or Allstate. Captives cannot give you multiple price quotes so always compare other rates. Captive agents are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.

Listed below are Oro Valley captive insurance agents that are able to give comparison quotes.

State Farm Insurance – 12112 N Rancho Vistoso Bl #140 – Oro Valley, AZ 85755 – (520) 818-1818
Allstate Insurance Co – 7780 N Oracle Rd – Oro Valley, AZ 85704 – (520) 297-1296
Farmers Insurance Group – 12470 N Rancho Vistoso Bl #120 – Oro Valley, AZ 85755 – (520) 544-7866

To view a full list of car insurance agents in Oro Valley, view this link.

Picking an auto insurance agent needs to be determined by more than just a low price. These questions are important to ask:

Arizona insurance quotes

  • Which insurance companies are they affiliated with?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Which members of your family are coverage by the policy?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • How long have they worked with personal auto insurance coverage?
  • How long has their agency been open in Oro Valley?
  • What will you get paid if your car is a total loss? How is that amount determined?

After receiving answers to your satisfaction to any questions you have and an affordable coverage quote, chances are good that you have found an insurance agent that is a good match to service your policy.

When might I need the advice of an agent?

When buying the best car insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help highlight whether you might need professional guidance.

  • Why is insurance for a teen driver so high in Oro Valley?
  • Am I covered when driving in Canada or Mexico?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered when delivering products for my home-based business?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I buy more coverage than the required Arizona minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Much more information about car insurance in Arizona can be read on the website for the Arizona Department of Insurance found here. Arizona drivers can read consumer alerts, learn about insurance regulations, and read enforcement actions against agents and companies.

Additional helpful sites include NAIC.org’s Understanding your Policy and this page of insurance agents in Oro Valley.

Final thoughts

As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where an insured dropped liability limits or collision coverage and learned later that they should have had better coverage. The aim is to buy a smart amount of coverage at a price you can afford.

You just read a lot of techniques to shop for car insurance online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with the smaller companies. These companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm and Allstate.