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Learn What Drives Your Rate
It starts with you. Every quote begins with basic questions about you and any other household members who drive your car regularly: age, sex, marital status, driving record, and of course the details about the cars you drive. Why so many questions? Who you are tells your insurance plenty about how you'll drive - and how likely it is you'll have an accident. Plus, many discounts are based on your driving habits.
Before you buy a policy, your company will verify your driving record and claims history. Arizona insurance law also allows companies to use an insurance credit score to underwrite and price your policy.
Where You Live Matters
Arizona ranks 14th in the nation for the cost of auto insurance. Drivers in urban areas like Phoenix and Tucson pay more for insurance because traffic is heavier, leading to higher accident frequency. And, Arizona ranks 4th in the country for auto thefts, which raises the cost of Comprehensive coverage for all drivers. Many companies will offer an insurance discount for an anti-theft device or vehicle-tracking system - both good ideas in the Southwest.Protect Yourself and Your Passengers
Know what's required and what you need. By law, if you own a car, truck or any other on-road vehicle, you must buy liability insurance to pay for injuries you cause in an auto accident. Your policy covers anyone in your car and also usually covers anyone who drives your car with your permission. The state minimum limits in Arizona are some of the lowest in Southwest and that means that even if you're injured by a driver who has insurance, it may not be enough coverage to pay for your injuries. We encourage all drivers to buy UM/UIM coverage in an amount that matches their BI/PD limits, to protect everyone in the car.
Comprehensive and Collision coverage protect your car - and you should consider buying Gap coverage if you have a brand-new one.
$517 New Customer Savings: Jun. 2010
Drivers who reported savings after switching car insurance companies at insurance.com last month saved $517 a year. Savings vary by state.
You May Be Paying Too Much
It's a balancing act. You want to buy enough coverage to protect your home and other assets, but you don't want to buy more coverage than you need. That's why it's smart to compare rates online and then talk with an Insurance.com agent about the details. We'll explain how much coverage to buy, whether Medical Payments coverage is a good idea for your situation, and why you might want to drop Towing and Rental coverage. Why pay for coverage you don't need?
We'll help you check your current policy for savings opportunities and make sure you get the best auto insurance rate we can offer.
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