The best way we recommend to get discount car insurance rates in Tucson is to compare prices at least once a year from different companies who sell auto insurance in Arizona.
First, try to learn a little about the coverage provided by your policy and the measures you can control to prevent expensive coverage. Many factors that are responsible for high rates such as high-risk driving behaviors and a less-than-favorable credit history can be controlled by making minor changes in your lifestyle.
Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or Farmers Insurance, while independent agencies can quote prices from multiple insurance companies.
Third, compare the new rate quotes to your existing policy to see if a cheaper price is available in Tucson. If you find a lower rate, make sure coverage is continuous and does not lapse.
Fourth, provide written notification to your current company of your intention to cancel your current car insurance policy. Submit the completed application along with a down payment to your new company or agent. As soon as you have the new policy, store the certificate of insurance with your registration paperwork.
An important part of this process is to make sure you enter the same deductibles and limits on every quote request and and to get rate quotes from as many companies as possible. This provides an apples-to-apples comparison and the best price selection.
Regrettably, a large majority of drivers in Arizona kept their policy with the same company for more than four years, and nearly half have never quoted rates to find cheaper coverage. With the average insurance premium being $1,847, U.S. drivers could save up to $850 a year, but they feel it’s too difficult to do a rate comparison.
The majority of larger companies such as State Farm, Allstate and GEICO provide coverage prices on the web. Obtaining pricing for Buick Rendezvous insurance in Tucson is possible for anyone as you just enter your personal and coverage information into the quote form. Behind the scenes, their system requests your driving record and credit report and returns pricing information based on these and other factors.
Quoting online for Buick Rendezvous insurance in Tucson simplifies rate comparisons, and it’s absolutely necessary to get many rate quotes if you want to find the best possible rates on auto insurance.
To quickly get comparison pricing now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend that you enter coverages and limits identical to your current policy. This way, you will get comparison quotes based on identical coverages.
The following companies can provide quotes in Arizona. In order to find cheaper auto insurance in Tucson, we recommend you visit as many as you can to get the most competitive price.
Discounts for cheap auto insurance quotes
The cost of insuring your cars can be expensive, but there may be some discounts to cut the cost considerably. Many of these discounts will be applied automatically at the time of quoting, but some need to be inquired about before you get the savings. If you are not receiving all the discounts you deserve, you could be paying more than you need to.
- Telematics Data Discounts – Tucson drivers who agree to allow companies to analyze their driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if their driving habits are good.
- Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school or through a local driver safety program.
- Responsible Drivers – Insureds who avoid accidents may receive a discount up to 45% than drivers with accidents.
- Senior Discount – Older drivers can possibly qualify for reduced rates.
- Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can avoid the installment charge.
- Claim Free – Claim-free drivers can save substantially in comparison to drivers who are more careless.
One thing to note about discounts is that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, you aren’t that lucky. Any qualifying discounts will bring down your overall premium however.
A list of auto insurance companies and a summarized list of policyholder discounts are outlined below.
- American Family has savings for good driver, multi-vehicle, accident-free, bundled insurance, and defensive driver.
- Nationwide has discounts for easy pay, business or organization, family plan, accident-free, and defensive driving.
- MetLife offers premium reductions for good student, multi-policy, defensive driver, accident-free, good driver, claim-free
- 21st Century offers discounts including defensive driver, student driver, teen driver, anti-lock brakes, automatic seat belts, and good student.
- Farmers Insurance includes discounts for switch companies, good student, teen driver, distant student, electronic funds transfer, mature driver, and multi-car.
- Allstate discounts include 55 and retired, good student, early signing, auto/life discount, farm vehicle, and teenSMART discount.
When comparing rates, check with all companies you are considering which discounts can lower your rates. Some discounts listed above might not be available to policyholders in Tucson. To see a list of insurers who offer auto insurance discounts in Arizona, click this link.
Insurance just makes sense
Even though Tucson Rendezvous insurance rates can get expensive, buying insurance is not optional due to several reasons.
First, most states have minimum liability requirements which means you are required to buy specific limits of liability in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a lien on your vehicle, it’s guaranteed your bank will make it a condition of the loan that you have comprehensive coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank will be required to insure your Buick for a much higher rate and force you to reimburse them the higher premium.
Third, insurance protects not only your Buick but also your assets. Insurance will pay for most medical and hospital costs for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If you have damage to your Buick as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of buying enough insurance are definitely more than the cost, especially when you need to use it. The average driver in Arizona overpays more than $810 a year so you should quote your policy with other companies every year to be sure current rates are still competitive.
There’s no such thing as the perfect insurance policy
Always remember that when buying the best insurance coverage for your vehicles, there really is no one-size-fits-all type of policy. Your situation is unique.
For instance, these questions might point out whether you might need an agent’s assistance.
- Is extra glass coverage worth it?
- Who is covered when they drive my Buick Rendezvous?
- Am I covered if I hit my neighbor’s mailbox?
- Am I covered when using my vehicle for business?
- What if I owe more than I can insure my car for?
- Am I covered when delivering products for my home-based business?
- Should I buy more coverage than the required Arizona minimum liability coverage?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.
Shop online but buy locally
Some consumers still prefer to sit down with an agent and that is not a bad decision Good insurance agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of comparing rate quotes online is that you can find cheap rate quotes and also buy local. Buying from and supporting small agencies is especially important in Tucson.
After filling out this form (opens in new window), your insurance data is emailed to local insurance agents who will return price quotes and help you find cheaper coverage. You won’t need to do any legwork because prices are sent to your email. If you want to quote rates from a specific insurance company, just search and find their rate quote page to submit a rate quote request.
Two types of Tucson car insurance agents
If you want to buy insurance from a local agent, it’s helpful to know the different agency structures that differ in how they can insure your vehicles. Insurance agents can be described as either exclusive or independent agents depending on their company appointments. Either type can sell and service insurance coverage, but it’s a good idea to understand the differences since it can affect which type of agent you select.
Independent Insurance Agents
Independent agencies do not work for one specific company and that enables them to quote your coverage with an assortment of companies and potentially find a lower price. If prices rise, your agent can switch companies and you don’t have to switch agencies. When shopping rates, we recommend you get several quotes from several independent insurance agents to get the best comparison. They often place coverage with companies that do not advertise much that can offer cheaper rates than bigger companies.
Featured below is a short list of independent agencies in Tucson who may provide free insurance quotes.
- McElwain Insurance
1717 N Tucson Blvd – Tucson, AZ 85716 – (520) 327-3369 – View Map - The Insurance House
2725 E Broadway Blvd – Tucson, AZ 85716 – (520) 795-7737 – View Map - Leavitt Group – Koty-Leavitt Insurance Agency
6992 E Broadway Blvd – Tucson, AZ 85710 – (520) 571-1900 – View Map
Exclusive Insurance Agents
Exclusive agents work for only one company such as Farmers Insurance and State Farm. These agents are not able to provide prices from multiple companies so keep that in mind. Exclusive insurance agents receive extensive training on what they offer which aids in selling service over price. A lot of people buy from the same agent for years partially due to high brand loyalty and strong financial ratings.
Listed below are Tucson exclusive insurance agents willing to provide comparison quotes.
- Tom DeBerry – State Farm Insurance Agent
4178 E 22nd St – Tucson, AZ 85711 – (520) 745-2800 – View Map - Farmers Insurance: John Brown
9155 E Tanque Verde Rd #117 – Tucson, AZ 85749 – (520) 323-2500 – View Map - Charlie Riesgo – State Farm® Insurance Agent
131 S Camino Seco – Tucson, AZ 85710 – (520) 885-7717 – View Map
Picking an insurance agent shouldn’t rely on just the price. The answers to these questions are important, too.
- Does the agent have professional designations like CIC, CPCU or AIC?
- How many years have they been established?
- Is there a 24/7 contact number?
- Do the coverages you’re quoting properly cover your vehicle?
- Does the quote include credit and driving reports?
- Do they reduce claim amounts on high mileage vehicles?