It doesn't have to be hard to find the best insurance rate for your car in Arizona. The internet has a lot of tools to help make it easier.
Here are a few automobile rate saving tips:
- Education for drivers. Take a class on how to drive safely. This will help lower your premium by a few dollars. But before you take a class, you should talk to your insurance company. Make sure that your insurance company agrees with the school and the class.
- Arizona Department of Insurance: Go to the state insurance website to find out which insurance companies are licenced to do business in the state. There are also tips on what companies can do and what they can't, as well as ways to lower your rate.
- Deductibles: Get quotes using various deductibles. Try getting quotes with $250, $500, or even $1,000 deductibles. If you can pay whatever the higher deductible requires out of pocket, you will save money on your premiums.
- Good Grades: Insurance for young drivers is expensive, but if they are in school and get good grades, you may be able to get a discount on your premium. If a student gets at least a B, many insurance companies will give them a discount.
- Talk to a few insurance agents before you buy a car. The cute little red fast sports car may be too expensive to insure. Since the car has to be insured, it's best to know if you can afford to insure it before you sign on the dotted line and buy it.
- Bundle your coverages. If you have a homeowners policy or a renters policy, give the same company the information needed to write your auto policy. When you buy more than one type of insurance from the same company, you get what is called a "multi-line discount."
Always compare prices. Make sure to give all of the carriers the same underwriting information so that you can compare apples to apples.
