What Car Insurance is Cheapest for 4×4 Vehicles in Tucson?

Determining which companies have the lowest-priced auto insurance rates for 4×4 vehicles may require a tad more effort in order to find the most economical policy. Each insurance company uses a slightly different approach to establish rates, so let’s rank the auto insurance companies with the overall best prices in Tucson.

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The Hartford generally has some of the lowest car insurance rates in Tucson at around $820 per year. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the best Tucson, AZ insurance companies.

As the rates illustrate above, if you are insured with Auto-Owners and switched to The Hartford, you could see a yearly price reduction of roughly $95. Drivers with Travelers might save as much as $288 a year, and USAA insureds might see rate reductions of $293 a year.

To get a quick, customized rate comparison, click here to get a free quote or click several companies below for low rates.

Remember that these policy rates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration an exact location for 4×4 vehicles. So the company that fits your needs best may not even be in the list above. That emphasizes why you need to compare prices as often as possible using your own specific driver information and vehicle.

The make and model of vehicle you are trying to insure is probably the largest consideration when shopping for cheap coverage for 4×4 vehicles. Vehicles with lots of horsepower, a lack of modern safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer, lower-performance models. The list below outlines car insurance prices for a selection of the more affordable vehicles to insure.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Table data does not factor in your specific Tucson, AZ location which can impact insurance rates significantly.

Looking at the rates, makes and models like the Honda CR-V, Honda Accord, and Ford Focus should be the most affordable vehicles to insure for off-road vehicles.

Impact of careless driving on auto insurance rates

One of the best ways to snag affordable auto insurance rates in Tucson for off-road vehicles is to drive safely and avoid tickets and accidents. The diagram below shows how traffic citations and fender-benders can increase insurance costs for different categories of driver ages. The prices are based on a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of an auto insurance policy in Tucson per year with a clean driving record and no accidents is $1,813. Receive one speeding ticket and the average cost swells to $2,053, an increase of $240 each year. Next add one accident along with the one speeding ticket and the 12-month cost of auto insurance for 4×4 vehicles jumps again to an average of $2,735. That’s an increase of $922, or $77 per month, just for a couple of infractions!

Types of discounts on Tucson auto insurance

Insurance providers that offer coverage for 4×4 vehicles may additionally offer policy discounts that may potentially lower prices by as much as 35% if you are eligible for them. A list of companies and some of the discounts are detailed below.

• State Farm may include discounts for safe vehicle, good student, multiple autos, anti-theft, passive restraint, multiple policy, and driver’s education.
• GEICO has savings for membership and employees, seat belt use, anti-theft, anti-lock brakes, air bags, emergency military deployment, and defensive driver.
• Liberty Mutual has discounts for newly retired, newly married, new vehicle discount, hybrid vehicle, and new move discount.
• The Hartford offers premium reductions for bundle, good student, air bag, defensive driver, driver training, anti-theft, and vehicle fuel type.
• MetLife discounts include accident-free, defensive driver, good student, good driver, multi-policy, and claim-free.
• Progressive may offer discounts for multi-policy, online signing, continuous coverage, homeowner, online quote discount, multi-vehicle, and good student.

The illustration below compares annual premium costs with and without policy discounts. The premiums assume a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, multiple vehicle, safe-driver, defensive driving course, vehicle safety, and homeowner discounts applied. When discounts are factored in, the average savings per year on auto insurance for 4×4 vehicles is 28% or $372.

The diagram below illustrates how choosing a deductible can affect insurance costs when trying to find cheap insurance for 4×4 vehicles. The information is based on a single female driver, full physical damage coverage, and no other discounts are factored in.

The data above shows that a 50-year-old driver could lower rates by $286 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $430 by selecting a $1,000 deductible. Young drivers, like the age 20 example, can save up to $724 or more just by choosing larger deductibles.

If you do decide to increase your deductibles, it will now be necessary to have additional funds in a savings account to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

The agencies below can most likely aid you in deciding which insurance coverage you need, since many people would rather get some help when comparing insurance rates for off-road vehicles. It’s not always simple to find the cheapest rate yourself, so insurance agents licensed in the state of Arizona can give peace of mind knowing your coverage gives you enough coverage if you have a claim.

To locate a Tucson insurance agent nearest to you, click the link at the bottom.

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