Inconceivable but true, most drivers have been with the same company for at least the last four years, and nearly half have never quoted insurance rates at all. Many consumers in Arizona could save as much as 50% every year, but they just assume it’s a time-consuming process to find lower-cost rates by getting comparison quotes.
The best way we recommend to save money on car insurance rates is to start comparing prices regularly from insurance carriers who provide car insurance in Tucson. You can compare rates by completing these steps.
- Spend a few minutes and learn about the different coverages in a policy and the measures you can control to keep rates down. Many factors that increase rates such as accidents, careless driving, and a bad credit score can be amended by being financially responsible and driving safely. Continue reading for tips to get cheaper coverage and get additional discounts that may be available.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like GEICO or State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers.
- Compare the new rate quotes to your existing policy and see if there is a cheaper rate in Tucson. If you find a better price, make sure there is no lapse in coverage.
- Provide proper notification to your current company of your decision to cancel the current policy. Submit a signed application and payment to your new agent or company. Once coverage is bound, put the new certificate verifying coverage with your vehicle’s registration.
The critical component of shopping around is to use the same amount of coverage on each quote request and and to get rate quotes from every insurance company. This ensures an accurate price comparison and a complete rate analysis.
If you already have coverage or are shopping for new coverage, you can follow these tips to shop for the lowest rates without sacrificing coverage. Quoting and buying affordable policy in Tucson can be fairly easy. Drivers just have to understand the proper way to buy car insurance using one simple form.
Cheapest companies for Pontiac Grand Prix insurance in Arizona
The following companies are our best choices to provide free rate quotes in Arizona. If you want the best cheap auto insurance in Tucson, AZ, we suggest you click on several of them to get a more complete price comparison.
How to Lower Your Insurance Premiums
It’s important that you understand the different types of things that are used to determine the price you pay for insurance. When consumers understand what impacts premium levels, this helps enable you to make changes that may reward you with lower insurance prices.
The following are most of the major factors used by insurance companies to determine premiums.
Teenage drivers pay higher costs – Drivers with little experience are statistically proven to be more careless with other occupants in the car therefore insurance rates are much higher. Older insureds are proven to be safer behind the wheel, tend to file fewer claims, and are generally more financially stable.
How many miles do you drive? – The more you drive your Pontiac every year the more you’ll pay to insure your vehicle. Almost all companies charge rates based upon how much you drive. Cars used primarily for pleasure use get more affordable rates than those that get driven frequently. A policy that improperly rates your Grand Prix may be wasting your money. Ask your agent if your insurance policy is rated on the correct usage for each vehicle, because it can save money.
Which gender costs less? – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that females are better drivers. Males and females are responsible for at-fault accidents at about the same rate, but the men have costlier accidents. In addition to higher claims, males also get cited for more serious violations such as reckless driving. Young men ages 16 to 20 are most likely to cause an accident and are penalized with high insurance rates.
Frequent insurance claims increase premiums – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Companies in Arizona provide cheaper rates to insureds who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Lower rates with GPS tracking and theft deterrents – Purchasing a vehicle with anti-theft technology or alarm system can help lower your premiums. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent vehicle theft.
You might pay higher costs if you are single – Getting married can actually save you money when shopping for insurance. It demonstrates that you tend to be more financially stable and it’s statistically proven that drivers who are married are more cautious.
Never allow your policy to lapse – Driving without insurance is a big no-no and companies may charge more for letting your insurance lapse for non-payment. And not only will your rates increase, the inability to provide proof of insurance may earn you fines and jail time. Then you may be required to file a SR-22 with the Arizona department of motor vehicles.
Certain vocations raise rates – Occupations like judges, executives, and emergency personnel generally pay the highest average rates because of stressful work requirements and long work hours. On the other hand, jobs like scientists, historians and retirees have the lowest average rates.
Lower your insurance rates with discounts
Auto insurance companies don’t always advertise the complete list of policy discounts in an easy-to-find place, so we break down a few of the more common as well as the least known savings tricks you should be using when you buy Tucson auto insurance online.
- One Accident Forgiven – Not necessarily a discount, but companies like Allstate and State Farm will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.
- Distant Student Discount – Children who are enrolled in higher education away from home and do not have access to a covered vehicle can receive lower rates.
- Discounts for New Vehicles – Adding a new car to your policy can get you a discount compared to insuring an older model.
- E-sign Discounts – Some companies will give you a small discount for buying your policy on the web.
- Discount for Low Mileage – Driving less may enable drivers to earn substantially lower prices.
- Government Employees – Employees or retirees of the government could qualify for a slight premium decrease but check with your company.
- Early Switch Discount – Some companies reward drivers for buying a new policy before your current coverage expires. It could save around 10% when you buy Tucson auto insurance online.
- Pay Early and Save – By paying your policy upfront rather than spreading payments over time you could save up to 5%.
- Discounts for Responsible Drivers – Insureds without accidents may save up to 50% more than less cautious drivers.
- Driver Training Discounts – Taking part in a course that instructs on driving safety could save 5% or more and also improve your driving technique.
Drivers should understand that most discount credits are not given to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts should help lower your premiums.
Companies who might offer some of the above discounts include:
If you are trying to find affordable Tucson auto insurance quotes, ask each company or agent what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders in your area. To view insurance companies that have a full spectrum of discounts in Tucson, click here to view.
Car insurance is available from local agents
A lot of people would rather talk to a local agent and that is a personal choice. Most agents can help you choose the best coverages and help you file claims. The best thing about comparing rates online is the fact that you can find lower rates and also buy local. Buying from local agencies is definitely important in Tucson.
After filling out this form (opens in new window), your coverage information gets sent to companies in Tucson that can provide free Tucson auto insurance quotes for your business. It makes it easy because there is no need to contact any agents since price quotes are sent directly to you. If you want to get a rate quote from one company in particular, just visit that company’s website and fill out their quote form.
When finding a reputable insurance agent or broker, you need to know there are two different agency structures and how they work. Agents in Tucson can be categorized as either independent or exclusive depending on the company they work for. Both can insure your vehicles properly, but it is a good idea to know why they differ because it may have an impact on your selection of an agent.
Independent Agents (or Brokers)
Independent agents are not locked into one company and that gives them the ability to insure with lots of companies enabling the ability to shop coverage around. If they find a cheaper price, your agent can switch companies without you having to go to a different agency. If you need cheaper car insurance rates, you definitely need to compare quotes from independent agents so that you can do a thorough price comparison. Most have the option of insuring with mutual insurance companies who may have lower rates.
The following is a partial list of independent insurance agencies in Tucson that may be able to give you cheap rate quotes.
- Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900 – View Map
- ETNA INSURANCE AGENCY, INC.
3430 N 1st Ave #2 – Tucson, AZ 85719 – (520) 887-4700 – View Map
- Leavitt Group – Koty-Leavitt Insurance Agency
6992 E Broadway Blvd – Tucson, AZ 85710 – (520) 571-1900 – View Map
Exclusive Insurance Agencies
These agents can only provide one company’s prices such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot provide prices from multiple companies so they are skilled at selling on more than just price. These agents are usually quite knowledgeable on their products and sales techniques which can be an advantage. A lot of people use the same agent partially due to high brand loyalty rather than having low rates.
Listed below is a short list of exclusive agencies in Tucson who can help you get comparison quotes.
- Noreen Lawlor – State Farm Insurance Agent
8925 E Golf Links Rd – Tucson, AZ 85730 – (520) 722-7488 – View Map
- Nancy Craney – State Farm Insurance Agent
3720 W Ina Rd #132 – Tucson, AZ 85741 – (520) 742-9947 – View Map
- Allstate Insurance: Debe A. Campos-Fleenor
3206 E Grant Rd – Tucson, AZ 85716 – (520) 745-0169 – View Map
Finding the right insurance agency should depend on more than just a low price. Any agent in Tucson should have no problem answering these questions:
- Can they give you a list of client referrals?
- Do the coverages you’re quoting properly cover your vehicle?
- Can you use your own choice of collision repair facility?
- What insurance companies do they recommend if they are an independent agent?
- Are there any discounts that you might be missing?
- Is there a Errors and Omissions policy in force?
- Which members of your family are coverage by the policy?
What is the best car insurance company in Arizona?
Picking a highly-rated car insurance company can be difficult considering how many companies there are in Arizona. The company rank data in the lists below can help you analyze which coverage providers to look at when shopping around.
Top 10 Tucson Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Top 10 Tucson Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Car insurance can be complex
Always remember that when buying insurance from an agent or online, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that.
For instance, these questions might help in determining whether your personal situation will benefit from professional help.
- Do I have coverage when using my vehicle for my home business?
- Do I need roadside assistance coverage?
- Do I need special endorsements for business use of my vehicle?
- Do I need replacement cost coverage?
- Does coverage extend to Mexico or Canada?
- What is glass protection for?
- What is GAP insurance?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.
Cheaper car insurance is a realistic goal
As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced full coverage only to discover later that the savings was not a smart move. Your goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.
Discount Pontiac Grand Prix insurance in Tucson can be sourced online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. A few companies don’t offer online quoting and these small insurance companies sell through independent agencies.
More detailed car insurance information is located at these sites:
- Help Your Teen Be a Better Driver (State Farm)
- Who Has Affordable Auto Insurance for Good Students in Tucson? (FAQ)
- Who Has Affordable Tucson Car Insurance Rates for a Hyundai Elantra? (FAQ)
- Who Has Cheap Tucson Auto Insurance Rates for Electric Cars? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for High School Students in Tucson? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers Under 21 in Tucson? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Single Moms in Tucson? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)