The words "bargain" and "auto insurance" really shouldn't be used in the same sentence, in particular when you are looking for the lowest insurance rates for a school permit. Because it's so expensive, let's introduce you to a few of the factors that impact insurance prices, and see if you can cut the cost of your next policy.
Establishing which insurers offer the most affordable auto insurance rates for a school permit calls for a little more work in order to find the lowest price. Each auto insurance company uses different criteria for setting prices, so let's take a look at the auto insurance companies that tend to have lower prices in Tucson, AZ.
Best Cheap Insurance Rates for Students
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,259|
|Find Cheaper Rates Go|
The Hartford normally has some of the most affordable car insurance rates in Tucson at around $836 a year. This is $592 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the lowest-priced Tucson, AZ insurance companies.
In the rate table above, if you currently buy coverage from Auto-Owners and switched to The Hartford, you may realize a yearly price reduction of around $88. Drivers with Safeco may save as much as $96 a year, and Travelers policyholders might reduce prices by as much as $250 a year.
It's important to note that these prices are averaged across all types of insureds and vehicles and do not take into consideration a specific vehicle garaging location for a school permit. So the auto insurance company that has the cheapest price for you may not even be in the top 28 companies in the list above. That emphasizes why you need to compare rates from multiple companies using your own specific driver information and vehicle.
The car, truck, or SUV you are trying to insure is probably the most important factor that determines whether or not you can buy cheaper insurance for a school permit. Vehicles with economical engines, good crash test ratings, or a track record of few liability claims will cost less to insure than high performance models.
The next table shows insurance premiums for some of the most affordable automobiles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$4,605|
|Hyundai Elantra GLS Touring Station Wagon||$4,615|
|Ford Escape XLT 4WD||$4,651|
|Honda CR-V EX 4WD||$4,658|
|Honda Odyssey LX||$5,125|
|Jeep Wrangler Sahara 4WD 2-Dr||$5,170|
|Toyota RAV4 Limited 4WD||$5,462|
|Chevrolet Malibu Hybrid||$5,472|
|Chevrolet Impala LT||$5,462|
|Jeep Grand Cherokee Laredo 4WD||$5,472|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$5,505|
|Ford F-150 Lariat Crew Cab 4WD||$5,512|
|Find Cheaper Rates Go|
Cost estimates assume single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in vehicle garaging location which can influence coverage rates noticeably.
Looking at the data, we can infer that cars like the Honda Accord, Hyundai Elantra, Ford Escape, Honda CR-V, and Toyota Prius are most likely to be some of the most budget-friendly vehicles to insure for a learners permit. Rates will tend to be more expensive just due to the fact that there is more liability risk for a school permit, but generally speaking those makes and models will most likely have the best insurance prices that you'll find.
The illustration below illustrates how choosing a deductible can increase or decrease insurance costs when getting quotes for cheap insurance for a school permit. The rates are based on a single female driver, full coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could lower their policy premium by $326 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $492 by using a $1,000 deductible. Even younger insureds, such as the Age 20 example, have the ability to save $724 each year just by choosing higher deductibles. If you do decide to increase your deductibles, it is a good idea to have plenty of money set aside to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Get discounts on Tucson car insurance rates
Auto insurance companies that offer coverage for a school permit may provide rate discounts that can lower rates by 35% or more if you meet specific eligibility requirements. A few of the larger companies and the discounts they provide are detailed below.
- American Family may include discounts for good student, TimeAway discount, good driver, bundled insurance, and defensive driver.
- Farm Bureau policyholders can earn discounts including multi-policy, good student, driver training, youthful driver, and renewal discount.
- State Farm discounts include defensive driving training, multiple policy, Steer Clear safe driver discount, anti-theft, and good driver.
- Travelers may have discounts that include payment discounts, save driver, multi-car, hybrid/electric vehicle, new car, and student away at school.
- The Hartford offers discounts including vehicle fuel type, driver training, bundle, anti-theft, and defensive driver.
- GEICO includes discounts for multi-policy, membership and employees, good student, multi-vehicle, and driver training.
- Progressive offers premium reductions for continuous coverage, multi-vehicle, online quote discount, good student, homeowner, online signing, and multi-policy.
The chart below shows the difference between insurance prices with and without discounts being applied to the rates. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, paid-in-full, anti-theft, paperless filing, continuous coverage, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for a school permit is 28% or $564.
Choosing a high-quality car insurance company can be difficult considering how many choices there are in Arizona. The company information shown next may help you select which auto insurance companies to look at shopping prices with.
The rankings below only include large insurance companies, so companies that may only write in Arizona are not taken into consideration for this list. To view rates from many more Arizona auto insurance companies, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
If you aren't clear which coverage you need and would like to have some professional guidance when comparing insurance rates for a learners permit, the professional agents shown below are a good start to aid you in deciding which car insurance policy is best.
To locate an agency near you, click the button at the bottom of the list.
Mike Severson - State Farm Insurance Agent
5475 S Calle Santa Cruz Ste 161 - Tucson, AZ 85706 - (520) 746-1079
ETNA INSURANCE AGENCY, INC.
3430 N 1st Ave #2 - Tucson, AZ 85719 - (520) 887-4700
Noreen Lawlor - State Farm Insurance Agent
8925 E Golf Links Rd - Tucson, AZ 85730 - (520) 722-7488
Joe Abong - State Farm Insurance Agent
2323 N Swan Rd - Tucson, AZ 85712 - (520) 750-8016
How to find the cheapest insurance for a school permit
The list below details a few money-saving ideas that can help Arizona drivers find cheaper auto insurance.
- Buy your auto and home insurance from the same company and save
- Better credit rating means better rates
- Raise physical damage deductibles
- Avoid filing excessive claims
- Prevent rate increases by staying accident-free
- Speeding tickets and other violations increase rates
- Compare rate quotes often
The last suggestion is notably valuable, as was stressed in this write-up. Insurance rates can be modified anytime, so drivers shouldn't hesitate to switch to a new company if a lower-cost policy is available.
Sticking with a specific company is fine, but it isn't a good idea if that devotion results in you overpaying money that could be spent on other things. If you have a few minutes, shop around to find cheaper auto insurance for a school permit in Tucson.