5 Ways to Slash Auto Insurance Cost in Marana, AZ

Finding lower rates for Marana auto insurance is nearly impossible for people who are new to buying insurance online. Drivers have so many choices that it can be more work than you anticipated to compare prices in Marana.

Smart consumers take time to compare rates once or twice a year because prices change quite often. Just because you found the lowest price a few years ago there may be better deals available now. So block out anything you think you know about auto insurance because you’re going to learn one of the easiest ways to save money, get proper coverage and the best rates.

If you currently have car insurance, you will be able to save some money using these techniques. Shopping for more affordable protection in Marana is simple if you know the tricks. But Arizona vehicle owners can benefit from knowing how companies price insurance differently and apply this information to your search.

Fast and Easy Marana Auto Insurance Quotes

When shopping for auto insurance there are multiple ways to compare rate quotes from auto insurance companies in your area. The easiest way by far to compare insurance prices consists of shopping online. This can be accomplished using a couple different methods.

The easiest and least time consuming way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method prevents you from having to do separate quote forms for each company you want a rate for. A single, simple form gets you price quotes . Just one form and you’re done.
A different way to compare rate quotes requires a visit to the website of each company to complete a price quote. For examples sake, we’ll assume you want rates from Progressive, State Farm and Liberty Mutual. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in Marana, click here.
The most time-consuming way of getting rate comparisons to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional guidance of a local agent. However, consumers can compare the best prices online and still use a local agent. We’ll cover that shortly.

Whichever way you use, make absolute certain that you use exactly the same deductibles and coverage limits for each comparison quote. If you have mixed coverages it’s impossible to decipher which rate is best in Marana. Just a small difference in coverages can mean a large discrepancy in price. And when quoting auto insurance, remember that more quotes gives you a better chance of getting the best offered rates.

Is there deception in advertising?

Auto insurance providers like Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. They all say the same thing that you’ll save big after switching your coverage to them. How does each company claim to save you money? It’s all in the numbers.

Different companies have a certain “appetite” for the type of driver that makes them money. For instance, a driver they prefer might be profiled as between 30 and 50, has no tickets, and drives less than 10,000 miles a year. A driver who matches those parameters will get the preferred rates and is almost guaranteed to save when switching.

Potential insureds who are not a match for the requirements must pay higher premiums which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can claim big savings.

This illustrates why you should compare many company’s rates. It’s not possible to predict the company that will provide you with the cheapest rates.

Many Things Influence your Rates

It’s important that you understand the rating factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that could result in big savings. auto insurance image

Traffic citations inflate rates – Only having one speeding ticket can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates than bad drivers. Drivers with serious tickets such as DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
Adjust deductibles and save – Physical damage deductibles define the amount you are willing to pay out-of-pocket before your auto insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims would be running into the backend of another car, damage from fire, or theft. The more expense you’re willing to pay, the less your company will charge you for insurance.
Bundling policies can get discounts – The majority of insurers will give a discount to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even with this discount, it’s in your best interest to compare rates to verify if the discount is saving money.
Your job and insurance rates – Occupations like judges, social workers and accountants tend to have higher rates than average due to high stress levels and lots of time spent at work. On the flip side, occupations such as pilots, athletes and retirees receive lower rates.

Take advantage of discounts

Car insurance can cost a lot, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be inquired about in order for you to get them.

Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accidents.
Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
Discount for Good Grades – A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
Low Mileage – Keeping the miles down could qualify for discounted rates on garaged vehicles.
Accident Free – Claim-free drivers can save substantially when compared with frequent claim filers.
Air Bag Discount – Vehicles equipped with air bags can get savings of up to 25% or more.
E-sign – A handful of insurance companies give back up to $50 for buying your policy online.
Clubs and Organizations – Participating in a professional or civic organization may earn a discount on your policy.

Consumers should know that some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like you can get free auto insurance, auto insurance companies aren’t that generous. Any amount of discount will cut your overall premium however.

To see a list of providers with the best auto insurance discounts in Marana, click this link.

What happened to insurance agents?

Some people just want to talk to a local agent and that is OK! The biggest benefit of getting online price quotes is the fact that you can find better rates and still choose a local agent. Buying from local insurance agencies is important especially in Marana.

After completing this quick form, your information gets sent to local insurance agents who will return price quotes to get your business. You never need to even leave your home since price quotes are sent immediately to your email address. It doesn’t get any easier! You can find the lowest rates and a licensed agent to work with.

Choose the right auto insurance agent

When researching a good Marana insurance agent, there are a couple of different agency structures from which to choose. Agents are classified as either independent (non-captive) or captive.

Independent Agents (or Brokers)

Independent agents are not locked into one company so they have the ability to put coverage with many different companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent.

When searching for an agent, you should always include price quotes from multiple independent agents to ensure the widest selection of prices.Many can place coverage with lesser-known insurance companies who may have lower rates.

Shown below is a list of independent insurance agencies in Marana who may be able to give you price quote information.

American Republic Insurance – 10800 N Anway Rd – Marana, AZ 85653 – (520) 616-9419
Marana Insurance – 12253 W Grier Rd – Marana, AZ 85653 – (520) 682-3261

Captive Agents

Captive insurance agents write business for a single company such as Allstate, State Farm and Farmers Insurance. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. They are trained well on their company’s products which helps them compete with independent agents. Consumers frequently purchase coverage from captives mainly due to loyalty to the company and the convenience of having all coverages with one company.

Deciding on an auto insurance agent needs to be determined by more than just the bottom line cost. These are valid questions to ask:

Do you have coverage for a rental car if your vehicle is in the repair shop?
Is vehicle mileage a factor when determining depreciation for repairs?
If your car is totalled, how to they determine the replacement cost?
Do they have any clout with companies to ensure a fair claim settlement?
If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Do they assist clients in filing claims?

After getting reasonable responses and a good coverage price, you have narrowed it down to an auto insurance agent that is a good match to adequately provide auto insurance.

What is YOUR best insurance company?

Budget-conscious auto insurance can be purchased online and also from your neighborhood Marana agents, so compare prices from both so you have a total pricing picture. A few companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

We just presented a lot of information how to save on auto insurance. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may even find the biggest savings come from a lesser-known regional company.

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice collision coverage to discover at claim time that the savings was not a smart move. The aim is to get the best coverage possible at an affordable rate while still protecting your assets.

Arizona insurance information

More information can be found on the Arizona Department of Insurance website found here. Arizona drivers can learn about insurance regulations, view agent and company licensing information, report car insurance fraud, and view a list of available companies.