Surprisingly, a recent survey revealed that almost 70% of insureds have remained with the same auto insurance company for well over three years, and 38% of drivers have never compared rates with other companies. Many consumers in Tucson can cut their rates by roughly $700 a year just by shopping around, but most undervalue the big savings they would realize if they just switched companies.
The best way we recommend to find discount auto insurance rates in Tucson is to regularly compare quotes from insurers who can sell car insurance in Arizona.
Step 1: Get an understanding of how companies price auto insurance and the changes you can make to keep rates low. Many policy risk factors that drive up the price such as distracted driving and an imperfect credit rating can be amended by paying attention to minor details. Continue reading for tips to help prevent high rates and find overlooked discounts.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO or State Farm, while independent agents can provide rate quotes from multiple insurance companies.
Step 3: Compare the new rate quotes to the price on your current policy and determine if cheaper Captiva Sport coverage is available. If you find a better price, verify that coverage does not lapse between policies.
Step 4: Tell your current company of your decision to cancel your current policy. Submit a down payment and signed policy application to the new insurer. Once coverage is bound, put the new certificate of insurance in an easily accessible location.
A tip to remember is that you use identical coverages on each price quote and and to get price estimates from as many companies as you can. This guarantees a fair rate comparison and the best price quote selection.
Cheap companies for Chevy Captiva Sport insurance in Arizona
The following companies offer price comparisons in Tucson, AZ. To locate the best cheap car insurance in Arizona, we suggest you visit as many as you can in order to find the most affordable rates.
Cheaper Tucson car insurance quotes with discounts
Auto insurance companies do not advertise every possible discount in an easy-to-find place, so the list below contains some of the more common and the harder-to-find credits available to bring down your rates.
- Discounts for Government Workers – Employees or retirees of the government could provide a small rate reduction with certain companies.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life insurance policy as well.
- Lower Rates for Military – Having a family member in the military could trigger a small discount.
- Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up could save 15% on medical payment and PIP coverage.
- Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts up to 30%.
- Claim Free – Drivers with accident-free driving histories pay much less in comparison to insureds who have frequent claims or accidents.
- New Vehicle Savings – Insuring a new Captiva Sport can be considerably cheaper due to better safety requirements for newer models.
- Student Discount for Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.
- Full Payment Discount – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
As a footnote on discounts, many deductions do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic.
If you would like to view companies who offer online Chevy Captiva Sport insurance quotes in Arizona, click here to view.
Chevy Captiva Sport Insurance Price Factors
Smart consumers have a good feel for the factors that help determine insurance rates. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that can earn you better insurance rates.
The factors shown below are most of the major factors that factor into your prices.
With age comes responsibility – Young drivers in Arizona are proven to be less responsible when driving so they pay higher insurance rates. Adding a teen driver to your insurance policy will cause a huge premium hike. Mature drivers are more responsible, file fewer claims, and are generally more financially stable.
When should you file policy claims? – If you are a frequent claim filer, you can expect higher premiums or even policy non-renewal. Companies in Arizona give the lowest premiums to people who are not frequent claim filers. Your car insurance is meant to be used in the event of larger claims.
Lower rates with GPS tracking and theft deterrents – Choosing to buy a car with advanced anti-theft systems can help lower your premiums. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft and help bring rates down.
You may save more by bundling policies – The majority of companies allow a discount to customers who carry more than one policy. It’s known as a multi-policy discount. Even with this discount applied, drivers will still want to check prices from other companies to ensure the best deal.There is a chance you can save even more than the discount even if you insure with multiple companies
Driving citations mean higher prices – Careful drivers get better rates compared to bad drivers. Having a single chargeable violation can bump up the cost by as much as thirty percent. Drivers who have received severe tickets such as DUI or willful reckless driving may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
Chevy Captiva Sport insurance loss statistics – Car insurance companies analyze past claim statistics to help calculate premium costs. Vehicles that are shown to have higher loss trends will have a higher cost to insure.
The table below outlines the historical loss data for Chevy Captiva Sport vehicles. For each policy coverage, the statistical loss for all vehicles combined as an average is represented as 100. Values below 100 imply a favorable loss record, while values over 100 indicate more frequent claims or an increased chance of larger losses than average.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Chevrolet Captiva Sport 4dr 2WD||89||95||88||123||115||105|
Statistics from IIHS.org for 2013-2015 Model Years
Local insurance agents
Many drivers just prefer to buy from a local agent and doing so can bring peace of mind Professional agents can help you build your policy and help file insurance claims. The biggest benefit of comparing rate quotes online is the fact that you can find cheaper auto insurance rates and still buy from a local agent.
For easy comparison, once you complete this simple form, your information is immediately sent to local insurance agents who will give competitive quotes for your insurance coverage. You won’t need to contact any agents as quotes are delivered straight to your inbox. If you have a need to get a rate quote for a specific company, you would need to navigate to their website to submit a rate quote request.
Deciding on an insurance company shouldn’t rely on just the quoted price. These are valid questions to ask:
- Does the agency have a current Errors and Omissions policy?
- Are they actively involved in the community?
- Where are claims handled?
- When do they do a full risk review?
- Do they prorate repair cost based on vehicle mileage?
- Has the agent ever had any license suspensions?
Persistence is the key to affordable rates
Drivers switch companies for any number of reasons including denial of a claim, unfair underwriting practices, policy non-renewal and poor customer service. Regardless of your reason for switching companies, switching companies is not as hard as you think.
Affordable Chevy Captiva Sport insurance in Tucson can be purchased both online as well as from independent agents in Tucson, so you need to quote Tucson auto insurance with both to get a complete price analysis. A few companies may not have the ability to get a quote online and most of the time these small insurance companies prefer to sell through independent agencies.
In this article, we covered some good ideas how you can reduce Chevy Captiva Sport insurance prices online in Tucson. The key concept to understand is the more times you quote, the better likelihood of getting cheaper Tucson auto insurance quotes. You may even discover the lowest prices come from a lesser-known regional company.
Additional detailed information can be read by following these links:
- How to shop for a safer car (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest for a Jeep Wrangler in Tucson? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)