Find Consumer Tested Strategies to Save on Nogales, AZ Auto Insurance

Buying the most affordable Nogales auto insurance online may be rather challenging for consumers new to shopping for insurance online. Because there are so many insurance companies available, how can you possibly compare every one to find the lowest price available?

Consumers need to price shop coverage occasionally because insurance rates change frequently. Just because you had the best rates last year you may be paying too much now. Starting right now, forget all the misinformation about auto insurance because you’re going to learn the tricks you need to know to reduce your cost while increasing coverage.

Are you getting all your discounts?

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but a few need to be inquired about prior to receiving the credit. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

• Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
• 55 and Retired – Mature drivers may receive better auto insurance rates.
• New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
• Early Switch Discount – Some insurance companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
• Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
• Low Mileage Discounts – Driving fewer miles could qualify for a substantially lower rate.
• Defensive Driving Course – Taking a defensive driving course could save 5% or more and easily recoup the cost of the course.
• Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save up to 5%.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will help reduce the cost of coverage.

To choose companies offering auto insurance discounts in Arizona, click here.

You have some control over your rates

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that may reward you with big savings.

• Consolidate policies to earn discounts – Some companies provide better rates to customers who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to ensure the best deal. Drivers may still find a better deal by buying insurance from more than one company.
• How’s your driving record? – Even a single ticket can boost insurance rates forty percent or more. Careful drivers receive lower rates than bad drivers. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state DMV in order to continue driving.
• Do you work long hours in a high stress job? – Occupations such as judges, social workers and dentists tend to have the highest average rates due to stressful work requirements and long work days. Other professions such as actors, historians and retirees receive lower rates.
• Never go without insurance – Allowing your coverage to lapse will be a quick way to increase your auto insurance rates. Not only will you pay more, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with the Arizona motor vehicle department.
• Better crash test results mean better rates – Cars with high safety ratings tend to have better insurance rates. Safe vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts passed on to you as lower rates.

When might I need an agent?

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Every situation is different.

For instance, these questions might point out if your insurance needs could use an agent’s help.

• What can I do if my company denied a claim?
• Am I covered when pulling a rental trailer?
• Should I file a claim if it’s only slightly more than my deductible?
• Is my custom paint covered by insurance?
• What are Arizona no-fault laws?
• How do I file an SR-22 for a DUI in Arizona?
• Is business property covered if stolen from my car?
• Does my vehicle need full coverage?
• Do I have any recourse if my insurance company denies a claim?
• Is pleasure use cheaper than using my vehicle to commute?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Additional auto insurance information is available on the Arizona Department of Insurance website through this link. Consumers can find out industry alerts, read consumer alerts, learn about insurance regulations, and learn about specific coverages.

Final thoughts

As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. Too many times, an accident victim reduced liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Cheap auto insurance can be purchased on the web as well as from independent agents in Nogales, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who don’t offer online quoting and these small, regional companies work with independent agents.

Throughout this article, we presented a lot of ways to compare auto insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies.