The preferred way to get affordable auto insurance rates in Tucson is to start doing a yearly price comparison from insurance carriers who provide car insurance in Arizona. You can shop around by following these guidelines.
First, try to understand coverages and the modifications you can make to keep rates low. Many factors that cause rate increases such as distracted driving and a low credit rating can be rectified by making minor changes to your lifestyle.
Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Allstate, while independent agents can quote rates from many different companies.
Third, compare the new quotes to your current policy to see if cheaper Solstice coverage is available in Tucson. If you can save money and make a switch, make sure there is no coverage gap between policies.
Fourth, notify your agent or company of your intent to cancel your existing policy. Submit a down payment along with a completed application for the new policy. When you receive it, store the certificate of insurance in your vehicle’s glove compartment or console.
One thing to remember is to use identical coverage information on every quote and and to get rates from as many different companies as possible. This enables a fair price comparison and a good representation of prices.
Sad but true, about 70% of customers kept their policy with the same company for four years or more, and just under half have never quoted rates to find cheaper coverage. Tucson drivers could cut their rates by $700 a year by just shopping around, but they assume it’s a waste of time to compare rates and save money.
Finding a lower price on insurance is a fairly straight forward process. The only requirement is to spend a few minutes on the computer comparing rate quotes from different insurance companies.
The car insurance companies shown below have been selected to offer quotes in Tucson, AZ. If your goal is to find the best auto insurance in Tucson, AZ, we recommend you visit several of them in order to find the most competitive rates.
Why car insurance is not optional
Despite the fact that car insurance is not cheap in Tucson, insurance may be required and benefits you in several ways.
- Just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance if you want to drive 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.
- If you bought your Solstice with a loan, most banks will force you to have full coverage to guarantee loan repayment. If you let the policy lapse, the lender may insure your Pontiac at a much higher rate and make you pay for the expensive policy.
- Car insurance protects not only your Pontiac Solstice but also your assets. It will also pay for medical bills for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of having car insurance more than cancel out the cost, especially if you ever need it. According to a recent study, the average American driver is overpaying over $820 a year so smart consumers compare quotes once a year at a minimum to save money.
How to Lower Your Insurance Costs
One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that come into play when calculating your premiums. When you know what positively or negatively determines premiums, this enables informed choices that may result in lower rates. Many factors are used when quoting car insurance. A few of the factors are predictable such as your driving record, although some other factors are not quite as obvious like your vehicle usage or your financial responsibility.
- Prevent theft and save – Owning a car with advanced anti-theft systems can help bring down rates. Systems that thwart thieves like OnStar, LoJack tracking, and tamper alarms all hinder vehicle theft.
- Consolidate policies with the same company – Some insurers give lower prices to customers who buy several policies from them in the form of a multi-policy discount. Discounts can amount to ten percent or more. Even with this discount, consumers should still compare Pontiac Solstice rates in Tucson to guarantee you are still saving the most.
- Higher rates for stressful occupations – Careers like military personnel, architects, and stock brokers tend to pay the highest rates in part from high stress and incredibly demanding work hours. On the other hand, jobs such as professors, historians and performers have lower than average premiums.
- Tickets and citations cost more than a fine – Just one citation can bump up the cost substantially. Attentive drivers pay lower auto insurance prices as compared to careless drivers. Drivers who have received serious tickets like reckless driving, hit and run or driving under the influence might be required by their state to file a SR-22 with their state’s licensing department in order to drive a vehicle legally.
- If you don’t need it don’t buy it – Insurance companies have many add-on coverages that you can get tricked into buying on your car insurance policy. Add-on coverages like personal injury protection, accidental death, and Farm Bureau memberships are some examples. They may sound like good ideas when deciding what coverages you need, but now you might not need them so remove them from your policy.
- Cheaper to insure females? – Over the last 30 years, statistics show women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. Both sexes get in at-fault accidents at about the same rate, but guys tend to have more serious accidents. Men also statistically receive more major tickets like DUI and reckless driving.
Save money on Pontiac Solstice insurance in Tucson with these discounts
Auto insurance is not an enjoyable expense, but you might already qualify for some discounts that many consumers don’t even know exist. Most are applied at the time of purchase, but once in a while a discount must be requested specifically before you get the savings.
- Federal Employees – Simply working for the federal government may reduce rates when you quote Tucson auto insurance with some auto insurance companies.
- Low Miles Discount – Driving fewer miles could qualify for discounted rates on garaged vehicles.
- Active Service Discounts – Being on active duty in the military could trigger a small discount.
- Payment Method – By paying your entire bill at once rather than paying monthly you could save up to 5%.
- Sign Early and Save – Some companies reward drivers for switching policies before your current coverage expires. It could save around 10% when you buy Tucson auto insurance online.
- Bundled Policy Discount – If you have multiple policies with one insurance company they may give you a discount of over 10 percent off each policy depending on the company.
- Save with More Vehicles Insured – Having all your vehicles with one company can reduce the rates for all insured vehicles.
Please keep in mind that some credits don’t apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears you can get free auto insurance, auto insurance companies aren’t that generous.
Some companies that may offer quotes with some of the above discounts possibly include:
When quoting, ask each insurance company the best way to save money. All car insurance discounts may not apply to policies in every state. To choose insurers that offer discounts in Tucson, click here.
You are unique and your auto insurance should be too
When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.
These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.
- When would I need rental car insurance?
- What is GAP insurance?
- Am I covered if my car is in a flood?
- Is other people’s property covered if stolen from my vehicle?
- At what point should I drop full coverage?
- Who does medical payments coverage extend to?
- What if I owe more than I can insure my car for?
- What if I don’t agree with a claim settlement offer?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.
Exclusive versus independent insurance agents
Some people just prefer to sit down with an agent and that is a smart decision Professional insurance agents can answer important questions and help in the event of a claim. One of the great benefits of getting online price quotes is the fact that you can find cheap car insurance quotes and still have an agent to talk to. Putting coverage with small agencies is definitely important in Tucson.
For easy comparison, once you complete this short form, the coverage information is instantly submitted to local insurance agents who will give you quotes and help you find cheaper coverage. You won’t need to leave your house due to the fact that quote results will go immediately to you. In the event you want to quote rates from one company in particular, feel free to visit that company’s website and fill out their quote form.
When searching for a local Tucson insurance agent, it’s helpful to know the different types of agents and how they differ in how they quote coverages. Car insurance agents are classified as either independent or exclusive. Either type can do a good job, but we need to point out the subtle differences because it may have an impact on your selection of an agent.
Independent Insurance Agents
Agents in the independent channel are normally appointed by many insurers so they can quote policies with any number of different companies depending on which coverage is best. If you are not satisfied with one company, your agent can just switch to a different company and you don’t have to find a new agent. When comparing rates, you will definitely want to check rates from at a minimum one independent agency in order to compare the most rates. Most have the option of insuring with companies that do not advertise much which can save you money.
Shown below is a partial list of independent insurance agents in Tucson who may be able to give you price quote information.
- Oasis Insurance
405 E Wetmore Rd g115 – Tucson, AZ 85705 – (520) 888-5000 – View Map - Crest Insurance Group LLC
5285 E Williams Cir #4500 – Tucson, AZ 85711 – (520) 881-5760 – View Map - The Insurance House
2725 E Broadway Blvd – Tucson, AZ 85716 – (520) 795-7737 – View Map
Exclusive Car Insurance Agents
Agents that choose to be exclusive can only write with one company and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. They are usually well trained on the products they sell and that enables them to sell even at higher rates. A lot of people use the same agent mostly because of high brand loyalty rather than low price.
Below is a short list of exclusive insurance agents in Tucson who can help you get price quote information.
- Tom DeBerry – State Farm Insurance Agent
4178 E 22nd St – Tucson, AZ 85711 – (520) 745-2800 – View Map - Allstate Insurance: Edmund Marquez
4420 E Speedway Blvd Ste 102 – Tucson, AZ 85712 – (520) 323-9333 – View Map - Rebecca Sanford – State Farm Insurance Agent
5605 E River Rd #211 – Tucson, AZ 85750 – (520) 615-0800 – View Map
Choosing the best auto insurance agent requires you to look at more than just the bottom line cost. These are some questions you should get answers to.
- Is assistance available after office hours?
- How would your car be valued if totaled?
- Does the agency have a current Errors and Omissions policy?
- What company do they have the most business with?
- Do they get paid more for recommending certain coverages?
Ratings for Arizona car insurance companies
Choosing a highly-rated company can be a challenge considering how many choices there are in Tucson. The company rank data in the lists below could help you analyze which car insurance providers to look at comparing price quotes from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Don’t give up on cheaper rates
Low-cost Pontiac Solstice insurance in Tucson can be found online as well as from insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not provide online rate quotes and these regional insurance providers only sell coverage through independent agencies.
We covered many tips how you can lower your Pontiac Solstice insurance rates in Tucson. The most important thing to understand is the more rate quotes you have, the higher your chance of finding cheaper Tucson auto insurance quotes. You may even discover the lowest rates are with a smaller regional carrier.
As you quote Tucson auto insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to regret that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at the best price while still protecting your assets.
Much more information about car insurance in Arizona is available at these links:
- Help Your Teen Be a Better Driver (State Farm)
- Who Has the Cheapest Tucson Auto Insurance for Immigrants? (FAQ)
- What Insurance is Cheapest for Drivers Over Age 70 in Tucson? (FAQ)
- What Auto Insurance is Cheapest for Hybrid Vehicles in Tucson? (FAQ)
- Who Has Cheap Auto Insurance for a Ford Edge in Tucson? (FAQ)
- How Much is Car Insurance for 18 Year Olds in Tucson? (FAQ)
- All About Airbag Safety (State Farm)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Shopping for a Safe Car (Insurance Information Institute)