Methods for Paying Less for Bullhead City Car Insurance Rates

Having to pay for overpriced car insurance can empty your personal savings and force you to make sacrifices. Comparing price quotes is a smart way to lower your monthly bill. Popular companies such as Progressive, GEICO and Farmers Insurance all promote huge savings with TV and radio ads and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

If you have a policy now or are looking for a new policy, you can use these techniques to shop for the lowest rates and still get good coverage. Finding affordable coverage in Bullhead City is easy if you know what you’re doing. Arizona consumers only need an understanding of the best way to compare prices online.

Learn How to Lower your Rates

An important part of buying insurance is that you know the different types of things that come into play when calculating car insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

• Younger drivers pay higher rates – Teen drivers in Arizona have a tendency to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.
• Drive a safer car and pay less – Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and better occupant protection means lower claim amounts and thus lower rates.
• Bundling policies can get discounts – Most insurers give discounts to policyholders who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to make sure you are getting the best deal.
• Poor driving leads to higher costs – Your driving record impacts your car insurance rates tremendously. Good drivers get better rates than people who have multiple driving citations. Even one moving violation can increase rates forty percent or more. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.

Discounts are basically free money

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but some must be asked for before being credited. If you don’t get every credit available, you are paying more than you should be.

• Defensive Driving Course – Taking a driver safety course can save you 5% or more if your company offers it.
• Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home is proof that your finances are in order.
• Student in College – Any of your kids living away from home attending college and do not have a car can receive lower rates.
• Good Students Pay Less – This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.
• Sign Online – Certain companies will discount your bill up to fifty bucks simply for signing digitally online.
• Senior Discount – Mature drivers may receive reduced rates.
• Multi-car Discount – Buying coverage for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
• Discount for New Cars – Insuring a new car can be considerably cheaper since new cars are generally safer.
• Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
• Drive Less and Save – Fewer annual miles can qualify you for discounted rates on garaged vehicles.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will bring down your overall premium however.

For a list of insurance companies offering car insurance discounts in Arizona, click here.

Are car insurance companies telling the truth?

Arizona consumers constantly see and hear ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. All the companies make the same claim that you can save if you change your policy.

But how can every company make almost identical claims? It’s all in the numbers.

Insurance companies have a preferred profile for the type of customer that makes them money. A good example of a preferred risk could be between 25 and 40, insures multiple vehicles, and has excellent credit. A driver that hits that “sweet spot” will get very good rates and therefore will save when they switch companies.

Consumers who fall outside this ideal profile must pay a higher premium and ends up with business not being written. The ad wording is “customers that switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully advertise the savings.

This illustrates why drivers must compare as many rates as you can. Because you never know the company that will give you the biggest savings.

Additional information can be found on the website for the Arizona Department of Insurance through this link. Consumers can read consumer alerts, read state legal mandates and laws, and download brochures.

Do the work, save more money

Low-cost car insurance can be found on the web in addition to many Bullhead City insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There are a lot of situations where someone sacrificed collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

In this article, we presented a lot of tips how to compare car insurance prices online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.