How to Know You’re Spending Too Much for Auto Insurance in Flagstaff Arizona

Shopping for affordable Flagstaff auto insurance online may be challenging for consumers not familiar with comparing rates online. With a ridiculous number of companies competing online, how can anyone possibly compare every one to find the cheapest available price?

Smart consumers take time to get comparison quotes at least once a year due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the lowest rates two years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to find out the only way to reduce your cost while improving coverage.

Flagstaff Auto Insurance Quote Comparison

All the larger auto insurance companies allow you to get prices for coverage on their websites. The process doesn’t take a lot of time as you just enter your coverage preferences as requested by the quote form. Once entered, their system automatically orders your driving and credit reports and generates a price based on these factors.

Being able to quote online streamlines rate comparisons, but the time required to go to a lot of sites and complete many quote forms gets old quite quickly. Unfortunately, it is important to do this if you want to find better auto insurance pricing.

The smarter way to lower your auto insurance bill utilizes a single form that gets prices from several different companies. It’s a real time-saver, reduces the work, and makes rate comparisons a lot less work. After sending the form, it is quoted and you are able to buy any or none of the quote results.

If the quotes result in lower rates, you simply finish the application and purchase coverage. This process takes 15 minutes at the most and may result in a nice savings.

To quickly find out how much you can save on auto insurance, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you type in identical to your current policy. This way, you will have rate comparison quotes using the same coverage and limits.

These discounts can slash auto insurance rates

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. Some trigger automatically when you purchase, but some must be inquired about in order for you to get them. If they aren’t giving you every credit available, you are paying more than you should be.

• Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
• Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
• Paperless Signup – Certain companies may give you up to $50 for buying your policy online.
• Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
• Federal Government Employee – Simply working for the federal government can earn a discount up to 10% with a few auto insurance companies.

Keep in mind that most discounts do not apply the the whole policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. But any discount will cut your overall premium however.

For a list of insurers offering auto insurance discounts in Flagstaff, click here.

More information is located on the Arizona Department of Insurance website located here. Arizona drivers can find a variety of consumer forms, read industry bulletins, and view agent and company licensing information.

Quote often and quote early

Lower-priced auto insurance is definitely available on the web and with local Flagstaff insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

You just learned a lot of ways to shop for auto insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even find the lowest premiums are with a small local company.