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.
Car Insurance Company Arizona
Reader’s Question:
Unfortunately, I was caught driving without car insurance recently and am now considered “high risk” in Chandler Arizona AZ. Can I still keep my existing car insurance or do I need to get another?
Charry
Chandler, AZ
Hello,
Yes Charry, you may still keep your existing, as long as it is not yet expired, car insurance but SR22 insurance will be added. SR22 insurance is considered an addendum to a car insurance policy that would satisfy the state requirements on car insurance.
You should know that Chandler Arizona AZ follows the SR22 insurance requirements. There is what is called the SR22 kind of communication among SR22 insurance companies and Phoenix’ secretary of state to keep track of certain persons who are considered high risk.
So if you had driving violations in Chandler Arizona AZ or in any other part of Arizona, you are required to have SR22 insurance usually for two to three years. SR22 insurance assures the state that you will continue or in your case, have at least the state’s minimum liability car insurance coverage. You wouldn’t want to be caught driving without car insurance again do you?
I also suggest that you do not delay in acquiring your SR22 insurance because the state of Arizona usually takes longer than other states to file. You may do all the transactions either by phone or online using your credit card. Documents will be sent to you by fax or by mail for you to affix your signature. Try shopping online for free quotes using the form that you see in this site.
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