The Internet is helpful for people who want to buy car insurance. Start by looking at the Arizona department of insurance website when you want to compare car insurance rates. Check out which insurance companies are allowed to do business in the state.
Once you've found the insurance companies you want to compare, check to see if they have a website where you can put in your information to get a rough quote. Be aware, though, that it might be better to talk to an agent directly because you will be sending sensitive information over the internet and you don't want it to fall into the wrong hands.
Make sure you know what the insurance companies are getting before you give them the information. In other words, don't throw them any surprises. If you give your insurance company permission to look at your claims from the last 5 years, even if you don't remember all of them, make sure you get a copy.
Through companies like Choice Point, Inc., insurance companies in Arizona can get to a database of loss information.
This is a great tool for the insurance company, but there are sometimes mistakes in the information in these reports. You want a copy of the loss runs so that you can make sure you aren't being charged for losses that aren't yours.
Know your record as a driver. Check to see if the speeding ticket you thought you got seven years ago was actually only three years ago and is still affecting your insurance rates.
Third, know what's on your credit report, since insurance companies now look at it and use it to figure out your rate.
Once you have taken care of these underwriting details, you are ready to go. What's left is easy. With this information and the details about the car, you can now talk to several insurance companies to see which one will give you the best rate.
