If you want to save money, the best way to get affordable car insurance rates is to make a habit of regularly comparing prices from insurance carriers that insure vehicles in Tucson.
Step 1: Take a little time to learn about the coverage provided by your policy and the measures you can control to prevent expensive coverage. Many policy risk factors that cause rate increases like accidents, traffic violations, and an unfavorable credit rating can be eliminated by making small lifestyle or driving habit changes.
Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes for a wide range of companies.
Step 3: Compare the new rate quotes to your existing policy to see if you can save by switching companies. If you can save some money and switch companies, ensure coverage does not lapse between policies.
An essential thing to point out is to use the same amount of coverage on each price quote and and to get prices from every company you can. Doing this guarantees a level playing field and the best price quote selection.
It’s an obvious statement that insurance companies don’t want policyholders to shop around. Drivers who shop for lower rates will most likely switch to a new company because of the good chance of finding a policy with more affordable rates. A recent insurance study revealed that people who routinely compared quotes saved as much as $3,500 over four years compared to policyholders who never shopped around for cheaper prices.
If finding the best price on insurance is your goal, understanding how to shop and compare car insurance can help make the process easier and more efficient.
If you have car insurance now, you will most likely be able to shop for the lowest rates using these tips. Our objective is to let you in on how to effectively get price quotes and also save some money in the process But Arizona drivers do need to know how big insurance companies set your policy premium and use it to your advantage.
Discounts can help to save on Fiat 500 insurance in Tucson
Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. Some discounts will apply at the time of purchase, but a few need to be asked about before you get the savings.
- Claim Free – Tucson drivers who stay claim-free get the best car insurance rates as opposed to insureds who have frequent claims or accidents.
- Cautious Drivers – Insureds without accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
- Full Payment Discount – By making one initial payment rather than paying monthly you can actually save on your bill.
- Discounts for Government Workers – Employees or retirees of the government could provide a small rate reduction with some car insurance companies.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts as much as 30%.
- Life Insurance Discount – Select insurance carriers reward you with a lower price if you buy a life insurance policy as well.
- 55 and Retired – Drivers over the age of 55 can get lower premium rates.
- One Accident Forgiven – This isn’t a discount exactly, but some insurance companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
- Savings for New Vehicles – Adding a new car to your policy can save up to 30% due to better safety requirements for newer vehicles.
One thing to note about discounts is that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, car insurance companies aren’t that generous.
A list of car insurance companies and some of their more popular discounts are outlined below.
- State Farm offers discounts for good student, accident-free, multiple policy, good driver, and anti-theft.
- Progressive discounts include online quote discount, multi-policy, online signing, multi-vehicle, good student, and homeowner.
- Progressive offers premium reductions for online signing, multi-vehicle, online quote discount, homeowner, multi-policy, good student, and continuous coverage.
- MetLife may have discounts that include accident-free, claim-free, defensive driver, good driver, multi-policy, and good student.
- Farm Bureau may include discounts for good student, multi-policy, renewal discount, driver training, safe driver, youthful driver, and 55 and retired.
- GEICO has savings for defensive driver, emergency military deployment, five-year accident-free, military active duty, federal employee, driver training, and multi-policy.
- SAFECO offers discounts including anti-theft, multi-car, anti-lock brakes, safe driver, and homeowner.
When comparing rates, check with each company or agent the best way to save money. Some credits may not apply to policyholders in your area. To locate companies that can offer you the previously mentioned discounts in Arizona, follow this link.
The quickest way to get policy rate comparisons for Fiat 500 insurance in Tucson is to understand most of the larger companies have advanced systems to provide you with a free rate quote. To get started, all you need to do is provide information including how much school you completed, marital status, if it has an anti-theft system, and what your job is. Your details is instantly provided to multiple top-rated companies and you get price estimates almost instantly.
To compare affordable Fiat 500 insurance rates now, click here and see if a lower rate is available in Tucson.
The companies shown below provide quotes in Tucson, AZ. If you want to find the best car insurance in Tucson, we recommend you compare several of them to get the cheapest price.
Do I need an agent?
Many people still like to talk to a local agent and often times that is recommended A nice benefit of comparing rate quotes online is the fact that drivers can get the best rates and still buy from a local agent.
Once you complete this quick form, your insurance coverage information is immediately sent to companies in Tucson who will give you quotes for your insurance coverage. There is no reason to leave your house because quoted prices will be sent to you instantly. You’ll get the best rates AND a local agent. In the event you want to get a price quote from a specific company, don’t hesitate to go to their quote page and submit a quote form there.
Selecting a company should include more criteria than just the quoted price. These are some questions your agent should answer.
- How often do they review coverages?
- Can glass repairs be made at your home?
- Does the agent help file claims?
- Is insurance their full-time profession?
- Does the company allow you to choose your own collision repair facility?
- Are they paid to recommend certain coverages?
- Does the agent have a valid license to sell insurance in Arizona?
- Does the company use OEM repair parts?
If you are searching for a local insurance agency, it can be helpful to understand the different types of agents and how they function. Insurance policy providers may be either exclusive agents or independent agents.
Exclusive Insurance Agents
Exclusive insurance agents can usually just insure with one company and examples are Farmers Insurance and State Farm. Exclusive agencies are unable to provide other company’s prices so you need to shop around if the rates are high. These agents receive a lot of sales training on their company’s products which helps them sell on service rather than price. Some people will only buy from exclusive agents mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
Below are Tucson exclusive agents who may provide you with comparison quotes.
- Noreen Lawlor – State Farm Insurance Agent
8925 E Golf Links Rd – Tucson, AZ 85730 – (520) 722-7488 – View Map
- American Family Insurance – Kristi Frank Agency Inc.
4319 E Broadway Blvd – Tucson, AZ 85711 – (520) 323-0017 – View Map
- Paul Heiser – State Farm Insurance Agent
2654 N Campbell Ave – Tucson, AZ 85719 – (520) 327-7884 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent can quote rates with many companies and that is an advantage because they can write policies through many companies and find the cheapest insurance rates. To transfer your coverage to a different company, they can switch companies in-house which is easy for the insured.
If you are comparing rate quotes, you definitely need to get quotes from several independent insurance agents to get the most accurate price comparison. They often place coverage with different regional companies which can be an advantage.
The following is a list of independent agents in Tucson who can help you get price quotes.
- Oasis Insurance
405 E Wetmore Rd g115 – Tucson, AZ 85705 – (520) 888-5000 – View Map
- The Insurance House
2725 E Broadway Blvd – Tucson, AZ 85716 – (520) 795-7737 – View Map
- John J Jewell Insurance Agency Inc
5442 E 5th St – Tucson, AZ 85711 – (520) 747-3737 – View Map
Car insurance policy coverages for a Fiat 500
Knowing the specifics of car insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Liability auto insurance
Liability coverage will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 15/30/10 which stand for a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability can pay for claims such as repair bills for other people’s vehicles, repair costs for stationary objects and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford. Arizona requires drivers to carry at least 15/30/10 but you should consider buying more liability than the minimum.
The next chart shows why buying the state minimum limits may not be high enough to adequately cover claims.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as a broken windshield, damage from getting keyed, damage from flooding and fire damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured Motorist or Underinsured Motorist insurance
This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law (which is 15/30/10), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Insurance for medical payments
Med pay and PIP coverage kick in for short-term medical expenses like nursing services, rehabilitation expenses, surgery, dental work and ambulance fees. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible
Coverage for collisions
Collision insurance will pay to fix damage to your 500 resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like rolling your car, backing into a parked car, crashing into a building, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible on your 500 to save money on collision insurance.
When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The aim is to purchase plenty of coverage at the lowest possible cost while still protecting your assets.
Lower-priced Fiat 500 insurance in Tucson can be purchased both online and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who don’t offer online rate quotes and most of the time these small insurance companies only sell coverage through independent insurance agencies.
In this article, we covered many tips how you can reduce Fiat 500 insurance premium rates online in Tucson. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding affordable Tucson car insurance quotes. You may even find the most savings is with a small mutual company.
More information can be read at these links:
- Information for Teen Drivers (GEICO)
- How Much are Car Insurance Rates for Drivers Over Age 60 in Tucson? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance for Immigrants? (FAQ)
- What Insurance is Cheapest for Drivers Over Age 70 in Tucson? (FAQ)
- Who Has Affordable Tucson Car Insurance Rates for a Hyundai Elantra? (FAQ)
- Who Has Cheap Auto Insurance for Business Use in Tucson? (FAQ)
- Understanding your Policy (NAIC.org)
- Bodily Injury Coverage (Liberty Mutual)
- Distracted Driving Extends Beyond Texting (State Farm)