The words “economical” and “auto insurance” really don’t belong together, in particular when you are searching for the cheapest coverage for business use. Because it’s not cheap, let’s learn about a few of the factors that have an impact on auto insurance rates, and find out if we can help you take the bite out of your next policy.
The type of vehicle requiring insurance is probably the largest consideration when comparing economical insurance for business use. Vehicles with high performance engines, poor passenger safety features, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models. The data below shows coverage rates for some of the cheaper automobiles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape Limited 4WD||$1,410|
|Honda CR-V LX 4WD||$1,466|
|Jeep Grand Cherokee Laredo 4WD||$1,536|
|Chevrolet Malibu LS||$1,541|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,585|
|Honda Accord EX-L 4-Dr Sedan||$1,587|
|Chevrolet Impala LTZ||$1,618|
|Honda Civic DX 4-Dr Sedan||$1,649|
|Dodge Grand Caravan CV||$1,651|
|Volkswagen Jetta 2.0T Station Wagon||$1,672|
|GMC Sierra SLE Regular Cab 2WD||$1,682|
|Chevrolet Equinox LS 2WD||$1,733|
|Toyota RAV4 2WD||$1,740|
|Hyundai Elantra Blue 4-Dr Sedan||$1,741|
|Dodge Ram 2500 Crew Cab ST 2WD||$1,757|
|Ford Explorer Limited 2WD||$1,772|
|Ford F-150 SVT Raptor Super Cab 4WD||$1,778|
|Toyota Tacoma Double Cab 4WD||$1,772|
|Ford F-350 Super Cab Cabela Turbo Diesel 2WD||$1,790|
|Dodge Ram 3500 Mega Cab Laramie 2WD||$1,797|
|Ford Edge Sport 2WD||$1,813|
|Toyota Camry XLE||$1,818|
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific Tucson, AZ garaging location which can decrease or increase price quotes significantly.
Based upon the table data, you can assume that cars like the Ford Escape, Toyota Prius, Honda CR-V, and Jeep Grand Cherokee are likely to be the less-costly vehicles to insure for using your car for business. Auto insurance rates will be more expensive just because there is more inherent risk for business use, but overall those particular models will most likely have the lowest insurance rates compared to all other vehicles.
For using your car for business, one of the big considerations that are used to help calculate insurance cost is your zip code in Tucson. Regions with larger populations or more claims likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The following table rates the most expensive cities in Arizona for business use to purchase car insurance in. Tucson shows up at #17 having an annual price of $1,072 for the average policyholder, which is about $89 each month.
|Rank||City||Premium Per Year|
|4||San Tan Valley||$1,161|
|25||Lake Havasu City||$844|
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Price information shown is comparative as vehicle location can impact premiums considerably.
What is the best car insurance company in Tucson?
Ending up with the best car insurance provider can be a challenge considering how many companies there are to choose from in Tucson. The company information listed below can help you select which coverage providers to look at shopping your coverage with. These ratings are only made up of the companies with a significant amount of written premium nationwide, so companies that focus mainly on Arizona business will not be included in this list.
Top 10 Major Car Insurance Companies in Tucson Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Major Car Insurance Companies in Tucson Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Driving violations and accidents
The best way to maintain low car insurance rates for using your car for business is to drive safely and avoid traffic citations and accidents. The information below demonstrates how speeding tickets and at-fault fender-benders impact car insurance costs for each age group. The data is based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of an auto insurance policy in Tucson per year with no violations or accidents is $2,000. Get written up for one speeding ticket and the average cost swells to $2,267, an increase of $268 each year. Now add one accident along with the one speeding ticket and the 12-month cost of car insurance for business use jumps again to an average of $3,025. That’s an increase of $1,025, or $85 per month, just for not driving safely!
If you have questions and prefer to have professional advice when trying to find lower insurance rates for using your car for business, the agents listed below can help you decide which coverages are best. To locate a Tucson car insurance agency close to where you live, click the button after the list or click here to compare price quotes.
- Allstate Insurance: Mike Brown
3400 E Speedway Blvd Ste 202 – Tucson, AZ 85716 – (520) 318-1775
- Allied Insurance Group
2424 E Broadway Blvd # 114 – Tucson, AZ 85719 – (520) 918-2886
- DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888
- McElwain Insurance
1717 N Tucson Blvd – Tucson, AZ 85716 – (520) 327-3369
How to find budget-friendly car insurance for business use
The list below shows some money-saving solutions that can help drivers locate lower-cost coverage.
- Don’t waste money on full coverage for older vehicles
- Drive safe vehicles
- Save money by insuring your home and auto with the same company
- Remain accident-free and save
- Do not get tickets or violations
- Frequent claims may make car insurance unaffordable
- Keep rates low by shopping around frequently
That last tip is remarkably important, as we pointed out in the prior information. Prices charged by companies in Tucson fluctuate constantly, so drivers shouldn’t hesitate to switch carriers if a more affordable price is available.
Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that loyalty results in overpaying thousands of dollars over the life of your policy. Now is a great time to compare rates and find cheaper insurance for business use.