Smart shoppers know that insurance companies don’t want you to look for a cheaper policy. Drivers who compare other prices will, in all likelihood, switch companies because they stand a good chance of getting low-cost coverage. A recent auto insurance study revealed that drivers who regularly shopped around saved over $860 a year compared to other drivers who didn’t regularly shop around.
If finding the cheapest rates on insurance is your objective, then having an understanding of the best ways to shop for car insurance can help simplify the task of finding more affordable coverage.
The best way we recommend to get cheaper Chevy SS insurance is to compare prices once a year from companies that insure vehicles in Tucson. This can be done by completing these steps.
First, take a few minutes and learn about how your policy works and the things you can control to prevent rate increases. Many things that result in higher prices like speeding tickets, accidents and an unacceptable credit score can be remedied by improving your driving habits or financial responsibility. Later in this article we will cover more details to help keep rates affordable and get additional discounts that may have been overlooked.
Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like GEICO or State Farm, while independent agents can provide prices for a wide range of companies. Get quotes now
Third, compare the price quotes to the price on your current policy and determine if there is any savings. If you can save some money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, tell your current company of your intent to cancel your current coverage. Submit the completed application along with a down payment to the newly selected company. Be sure to place the new proof of insurance certificate in your vehicle’s glove compartment or console.
The most important part of this process is that you use similar limits and deductibles on each quote request and and to get price estimates from as many different insurance providers as possible. This guarantees an apples-to-apples comparison and the best price selection.
If you have insurance now, you stand a good chance to be able to buy cheaper car insurance using this strategy. Buying the cheapest car insurance in Tucson can initially seem challenging. Although Arizona car owners must understand the methods companies use to determine what you pay and use it to find better rates.
When comparing car insurance rates, know that comparing all the rates in your area helps improve the odds of finding the best price.
The following companies have been selected to offer price quotes in Arizona. In order to find the best auto insurance in AZ, we suggest you click on several of them to get a more complete price comparison.
Determine discounts on Tucson car insurance
Some insurance providers don’t list every policy discount very well, so the next list breaks down both well-publicized as well as the least known car insurance savings.
- Paperwork-free – Certain larger companies will discount your bill up to fifty bucks simply for signing on your computer.
- Save with More Vehicles Insured – Purchasing coverage when you have more than one vehicle on the same car insurance policy can reduce the rates for all insured vehicles.
- Seat Belt Usage – Drivers who require all vehicle occupants to buckle up can save a little off the personal injury premium cost.
- Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
- Drivers Education – Teen drivers should enroll and complete driver’s education in school or through a local driver safety program.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. So when it seems like all the discounts add up to a free policy, nobody gets a free ride.
Some companies that possibly offer most of the discounts above are:
It’s a good idea to ask all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policies in Tucson. To see a list of insurance companies that offer many of these discounts in Arizona, click here to view.
Neighborhood insurance agents
Certain consumers just prefer to get professional advice from a licensed agent and that can be a smart move The best thing about price shopping on the web is that drivers can save money and get cheaper prices and still have a local agent. Buying from local agencies is important especially in Tucson.
To find an agent, once you fill out this quick form, the coverage information is transmitted to insurance agents in Tucson who will give you bids for your insurance coverage. You don’t have to even leave your home since price quotes are sent to your email. It’s the lowest rates and work with a local agent. If you want to get a rate quote from a particular provider, don’t hesitate to navigate to their website to submit a rate quote request.
If you are wanting to find a local Tucson insurance agent, it’s helpful to know the different types of agencies and how they can write your policy. Insurance agents in Tucson may be either independent (non-exclusive) or exclusive.
Independent Insurance Agencies
Agents of this type often have many company appointments and that enables them to quote your coverage with lots of companies and find you cheaper rates. If they find a lower price, your agent can switch companies which makes it simple for you. If you are comparing insurance prices, it’s recommended you include rate quotes from at least one independent agent so that you can do a thorough price comparison.
Featured below are independent agents in Tucson that can possibly get you comparison quotes.
Exclusive agents are contracted to one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents receive extensive training on sales techniques which aids in selling service over price.
The following are exclusive agents in Tucson willing to provide comparison quotes.
Finding a good insurance agency needs to be determined by more than just the bottom line cost. A good agent in Tucson will have answers to these questions.
- Do they have any clout with companies to ensure a fair claim settlement?
- Will the agent help in case of a claim?
- How long has the business existed?
- Will you work with the agent or an assistant?
- Has the agent ever had any license suspensions?
- Is assistance available after office hours?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Can they give you a list of client referrals?
When do I need an agent’s advice?
When selecting adequate coverage, there really is not a one size fits all plan. Your needs are unique to you.
Here are some questions about coverages that can aid in determining whether your personal situation could use an agent’s help.
- Which companies will insure high-risk drivers?
- What can I do if my company won’t pay a claim?
- Are my company tools covered if they get stolen?
- Can I rent a car in Mexico?
- Is my babysitter covered when using my vehicle?
- Am I covered when driving on a suspended license?
- Does my personal policy cover me when driving out-of-state?
- Do I need more liability coverage?
- Why am I required to buy high-risk coverage?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.
What Impacts Chevy SS Insurance Costs?
Many factors are part of the equation when pricing auto insurance. Most are fairly basic like your driving record, although others are more transparent like your vehicle usage or how financially stable you are. An important part of buying insurance is that you know the factors that are used to determine the price you pay for auto insurance. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that can earn you better auto insurance rates.
The factors shown below are some of the factors used by your company to calculate your prices.
- Save money by having multiple policies – Most larger insurance companies provide lower prices for people who consolidate policies with them in the form of a multi-policy discount. The discount can add up to ten or even fifteen percent. Even if you qualify for this discount already, drivers will still want to comparison shop to ensure the best deal. Consumers may save even more by buying auto insurance from a different company.
- Choose high safety ratings and save – Safe vehicles tend to be cheaper to insure. Safer cars reduce injuries and reduced instances of injuries means less claims paid which can mean better rates for you. If your Chevy has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
- Liability insurance is critical – A critical coverage on your policy, liability insurance will provide protection if you are ruled to be at fault for physical damage or personal injury to other. It provides you with a defense in court which can cost a lot. Liability insurance is pretty cheap as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
- Your vocation may affect premiums – Did you know your job can affect your rates? Occupations like doctors, architects, and dentists tend to pay higher premium rates due to intense work situations and long work days. On the other hand, jobs such as actors, historians and retirees generally pay rates lower than average.
- Rural areas have lower rates – Living in smaller towns and rural areas of the country may provide you with better prices when insuring your vehicles. Fewer people means fewer accidents. Residents of big cities have congested traffic and higher rates of accident claims. More time on the road translates into higher accident risk.
- The type of car makes a difference – The performance of the car you need to insure makes a substantial difference in how high your rates are. The cheapest insurance rates tend to be for the lowest performance passenger cars, but the final cost of insurance is determined by many other factors.
- Teenage drivers pay higher premiums – Teenage drivers in Arizona are known to be less responsible in a vehicle so auto insurance rates are higher. Having to add a first-time driver to your policy can really hurt. Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims, and usually have better credit.
- Better drivers pay the best prices – Even a single chargeable violation may increase your cost by as much as thirty percent. Drivers who don’t get tickets pay less for auto insurance compared to bad drivers. Drivers unfortunate enough to have serious citations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to prove financial responsibility with their state motor vehicle department in order to legally drive a vehicle.
Insurance loss statistics a Chevy SS – Insurers use historical loss data when they set coverage costs for each model. Vehicles that statistically have higher number or severity of losses will have higher rates.
The table below illustrates the actual insurance loss data for Chevy SS vehicles. For each policy coverage type, the claim amount for all vehicles, without regard to make or model, is equal to 100. Percentage values below 100 are indicative of better than average losses, while numbers that are greater than 100 indicate higher probability of having a loss or statistically larger claims.
Auto Insurance Loss Data for Chevrolet SS Models Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Chevrolet SS 142 75 137BETTERAVERAGEWORSE
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Protect your vehicle and other assets
Even though it’s not necessarily cheap to insure a Chevy in Tucson, paying for car insurance may not be optional for several reasons.
- Almost all states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability if you drive a vehicle. 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 your vehicle has a lienholder, most lenders will require you to buy full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Chevy for a much higher rate and require you to pay for the much more expensive policy.
- Insurance protects your vehicle and 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 for a defense attorney if you are sued as the result of your driving. If you have damage to your Chevy as the result of the weather or an accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your car more than cancel out the cost, particularly if you ever have a claim. Today the average American driver is overpaying over $865 each year so we recommend shopping around each time the policy renews to ensure rates are competitive.
Persistence will pay off
We just presented some good ideas how to lower your Chevy SS insurance rates in Tucson. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the lowest priced car insurance comes from some of the lesser-known companies.
People who switch companies do it for any number of reasons including not issuing a premium refund, being labeled a high risk driver, delays in responding to claim requests and even lack of trust in their agent. Whatever your reason, finding a new car insurance company can be easier than you think.
When getting Tucson car insurance quotes online, do not reduce coverage to reduce premium. In many instances, an insured cut collision coverage only to regret that it was a big mistake. The aim is to find the BEST coverage at an affordable rate, not the least amount of coverage.
To learn more, take a look at the articles below:
- State Car Insurance Guides (GEICO)
- What Car Insurance is Cheapest for Good Drivers in Tucson? (FAQ)
- Who Has Cheap Tucson Car Insurance Rates for a School Permit? (FAQ)
- How Much is Auto Insurance for Drivers with a DUI in Tucson? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Airbag FAQ (iihs.org)
- Can I Drive Legally without Insurance? (Insurance Information Institute)