Cheapest Car Insurance Quotes in Arizona
Reader’s Question
Where can I get the cheapest car insurance quotes in Arizona? I tried the internet, entered my ZIP code and then heard nothing. I thought I’d quickly have a long list of quotes. What’s going on?
Thanks
Sandra,
Chandler, Arizona
Hi Sandra,
It sounds as though you may have entered your details in a website that collects your details and then passes them on to insurers for a fee (they have to earn a living somehow). This process doesn’t always happen instantly so that could explain your delay. Don’t be surprised if you suddenly get contacted by numerous insurers and agents a few days later.
The best way to get the cheapest car insurance quotes in Arizona is to use both the internet and listen out for local TV and radio advertisements. When you use the internet you should be aware of the different types of websites you will find: brokers, insurers, and others. Let’s look at each one.
Normally brokers provide a more personalized service. They take your details and then find a selection of quotes from different insurers. They do have to make a living so they do charge a commission (not always transparent to the customer). However, quite often the discounts they get and the customer service they provide make this option worthwhile.
If you go direct to the insurer you may get a cheaper quote but you may have to contact five or more of them before you find the best quote. Also you will have to go through your details with each insurer. This can take some time.
The other type of website you may find is where they take your details and then pass then on to either insurers (direct) or brokers. They make their money from effectively selling your details onto the insurer or broker. This could be the type of website you used, hence your delay in hearing anything. In today’s economic climate, if you contact an insurer or broker they should be contacting you immediately before they lose the sale.
Auto Insurance In Arizona
Readers Question:
I need help in getting auto insurance in Arizona. Can someone help me?
Paige
Phoenix, AZ
Sure Paige.
The required auto insurance in Arizona is fairly basic. One, you must remember that as long as you are operating a motor vehicle on the streets of Arizona, then you must meet the required financial responsibility laws in this state. And in general, drivers opt to maintain auto insurance coverage to meet such requirement. Another is that you need to know that there are minimum required auto insurance limits in Arizona and that includes:
$15,000 for bodily injury liability per person
$30,000 for bodily injury to cover for two or more persons
$10,000 for damage on property.
Meanwhile, since it looks like you are about to purchase auto insurance in Arizona, let me just give you helpful tips on how can you get cheap auto insurance rates here. Following are the usual discounts that auto insurance companies offered:
Good driver discount: For drivers who are not involved in any accidents
Multiple Vehicle Discounts: For insuring more than one vehicle under the same auto insurance provider
Multiple Vehicle Policies: For getting multiple auto insurance policies from the same auto insurance provider
Low Driving Miles: For drivers who drive less frequently
To know on how you can avail of these auto insurance discounts, contact your auto insurance agent as early as now.
Cheap Auto Insurance Rates Arizona
Reader’s Question:
Is there a sure-fire way to get cheaper auto insurance rates? I’d like to minimize my premiums and spend more on my folks and family here in Arizona. Every cent should count.
Billy
Scottsdale, AZ
Hey there, Billy. You want a sure-fire way to get cheaper auto insurance rates? Well, you can try walking. Just kidding. No, seriously, you should try walking. I’ll explain in a while, but there’s really a number of ways to skin the auto insurance cat.
Lowering your auto insurance premiums will depend on whether you are just starting out with a new car or you are renewing your auto insurance with the same company you currently have. If you are starting out with a new car, there is no substitute for shopping around. You can definitely hunt for lower auto insurance rates online. Let’s say you’re adding up another car, you can use that as a bargaining chip with your current auto insurance provider. Safe driving is another way to get lower rates. If you can check your records with the Department of Motor Vehicles, you can spot your driving offenses. If your record is clean, you can use that with your auto insurance company to get a discount. Of course, if your offenses are less, the more the auto insurance company can bet on you. Now, in case you are renewing already, use that to your advantage. Your auto insurance company should recognize that and reward you with a loyalty discount.
I did say walking, remember? Well, you can get a discount from the auto insurance company by agreeing to a limit on the miles you do on your car. Either you keep it low by taking public transportation more often or you can try walking more. Get it?
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