Peoria, AZ Car Insurance Buying Tips You Aren’t Supposed to Know

Are you a victim of overpriced car insurance? Believe me, there are many people just like you.

Having so many online and local companies to choose from, it can be challenging to find the right provider.

You should make it a habit to shop coverage around on a regular basis because rates are adjusted regularly by insurance companies. Even if you think you had the best price two years ago you will most likely find a better rate today. There is too much inaccurate information about car insurance online, so with this article, you’re going to get a lot of great tips on how to stop overpaying for insurance.

Choosing the best insurance company for you in Peoria is not that difficult. Essentially anyone who has to buy car insurance most likely will be able to reduce their rates. But Arizona car owners need to learn how the larger insurance companies market on the web because it can help you find the best coverage.

Compare the Market for Car Insurance in Peoria, Arizona

Comparing car insurance rates can be a lot of work if you don’t understand the fastest way to get free quotes. You could waste a few hours discussing policy coverages with local insurance agents in Peoria, or you can stay home and use the web to get prices fast.

Most of the larger companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and at least one company returns a rated price based on that data. This system prevents you from having to do quotation requests for each company.

To use this form to compare rates click to open in new window.<img class="alignright" style="padding-top:15px" src="" alt="Arizona insurance quotes” />

The single downside to doing it this way is you cannot specify the providers you want pricing from. If you wish to select from a list of companies to compare, we have assembled a list of companies who write car insurance in Arizona. Click here to view list.

However you get your quotes, double check that you are using identical coverages for each comparison quote. If you have higher or lower deductibles it will be next to impossible to decipher which rate is best in Peoria. Quoting even small variations in coverage limits can result in a big premium difference. Just remember that comparing more company’s prices helps you find the best price.

The fine print in car insurance ads

21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies say the same thing that you’ll save big if you switch to their company. How does each company claim to save you money? It’s all in the numbers.

All the different companies are able to cherry pick for the right customer that earns them a profit. A good example of a profitable customer might be between the ages of 40 and 55, has no prior claims, and drives less than 7,500 miles a year. A driver who meets those qualifications will get the preferred rates and therefore will save a lot of money.

Potential insureds who fall outside the “perfect” profile will have to pay more money which usually ends up with business not being written. The ads state “drivers who switch” not “people who quote” save that kind of money. That’s why companies can truthfully make those claims. Because of the profiling, you should compare as many rates as you can. Because you never know the company that will provide you with the cheapest rates.

Do you qualify for a discount?

Companies offering auto insurance don’t always list all available discounts in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving.

  • Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
  • Sign Early and Save – Select companies give a discount for switching to them before your current policy expires. It can save you around 10%.
  • Driver Safety – Taking a defensive driving course could save 5% or more if your company offers it.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount with select insurance companies.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get reduced rates.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only reduce individual premiums such as comp or med pay. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

Arizona insurance quotes

To choose insurers with discount car insurance rates in Peoria, click here to view.

More detailed Arizona car insurance information is available at the Arizona Department of Insurance website. Arizona consumers can view agent and company licensing information, file complaints about a company, and read industry bulletins.

More comparisons equals lower rates

Budget-conscious car insurance can be bought from both online companies and with local Peoria insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

In this article, we presented a lot of ways to save on car insurance. The most important thing to understand is the more you quote, the better your comparison will be. Drivers may discover the biggest savings come from some of the lesser-known companies. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive and GEICO.