If you want to find the absolute lowest rates, then the best way to get affordable auto insurance rates is to do an annual price comparison from providers who sell auto insurance in Tucson.
- Read about how your policy works and the factors you can control to drop your rates. Many things that cause high rates like traffic citations, accidents, and bad credit can be rectified by making small lifestyle or driving habit changes.
- Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO and 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 current policy and determine if cheaper Durango coverage is available in Tucson. If you find better rates, make sure coverage does not lapse between policies.
- Provide adequate notice to your current company of your intent to cancel your current policy. Submit a signed application and payment to your new company or agent. Make sure you keep your new certificate of insurance in your vehicle’s glove compartment or console.
One important bit of advice is to try to compare the same level of coverage on every price quote and and to compare all possible companies. This helps ensure an accurate price comparison and the best price quote selection.
A recent NerdWallet.com study revealed that almost 70% of insureds have purchased from the same company for at least four years, and almost half have never compared rates from other carriers. Tucson drivers could pocket approximately 50% a year, but most just don’t grasp the amount of money they would save if they bought a different policy.
Comparing quotes for more affordable coverage in Tucson is easy to do. If you are insured now or just want cheaper rates, you will benefit by learning to reduce premiums while maintaining coverages. Shoppers just need to understand the quickest method to shop from many different companies online.
The companies shown below are ready to provide price quotes in Tucson, AZ. If you want cheap auto insurance in Tucson, AZ, we suggest you click on several of them to get a more complete price comparison.
Three good reasons to insure your vehicle
Despite the high cost, insurance serves several important purposes.
- The majority of states have minimum mandated liability insurance limits which means the state requires specific limits of liability protection 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 you have a loan on your Dodge Durango, almost every bank will make it a condition of the loan that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank or lender will purchase a policy for your Dodge at a much higher premium rate and require you to pay the higher premium.
- Insurance safeguards both your vehicle and your personal assets. It also can pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If you have damage to your Dodge as the result of the weather or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having car insurance definitely exceed the price paid, especially if you ever need it. Unknowingly, the average driver is overpaying more than $700 annually so you should quote your policy with other companies every year to save money.
Cheaper rates with these five money saving discounts
Auto insurance is easily one of your largest bills, but you can get discounts that can help lower your rates. Certain discounts will be applied at the time of purchase, but some discounts are required to be manually applied in order for you to get them. If they aren’t giving you every credit available, it’s possible you qualify for a lower rate.
- Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will turn a blind eye to one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.
- Federal Government Employee – Active or former government employment may reduce rates when you quote Tucson auto insurance depending on your company.
- Data Collection Discounts – Tucson drivers who agree to allow driving data collection to analyze driving habits by installing a telematics device such as Progressive’s Snapshot might see lower rates as long as they are good drivers.
- Accident Free – Drivers who don’t have accidents are rewarded with significantly better rates on Tucson auto insurance quote in comparison to frequent claim filers.
- Professional Memberships – Being in qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.
As a disclaimer on discounts, most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
To see a list of companies that offer many of these discounts in Arizona, click here.
When to get advice from a local insurance agent
Many people prefer to sit down and talk to an agent and often times that is recommended Agents can answer important questions and help in the event of a claim. A good thing about comparing rates online is the fact that drivers can get the lowest rates but also keep your business local. And supporting small agencies is still important in Tucson.
To make it easy to find an agent, after completing this quick form, your insurance coverage information is instantly submitted to participating agents in Tucson who want to provide quotes for your insurance coverage. It makes it easy because there is no need to find an agent due to the fact that quote results will go to you instantly. If for some reason you want to get a rate quote from a specific insurance company, you just need to jump over to their website and complete a quote there.
Auto insurance agents in Tucson come in two varieties
If you need to find a local Tucson insurance agency, it’s helpful to know the types of agencies and how they function. Car insurance agents in Tucson can either be independent agents or exclusive agents depending on their employer. Either one can do a good job, but it’s important to know the difference in the companies they write for since it could factor into which type of agent you select.
Independent Agencies or Brokers
Agents that choose to be independent are normally appointed by many insurers and that gives them the ability to insure through many different car insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move your policy to a different company which is easy for the insured.
If you need lower rates, we highly recommend that you check rates from multiple independent agents for the best price selection.
Featured below are Tucson independent agencies who may be able to give you price quote information.
Exclusive Car Insurance Agencies
Agents that choose to be exclusive have only one company to place business with and examples are State Farm, Allstate and AAA. Exclusive agents cannot place coverage with different providers so they have to upsell other benefits. Exclusive agencies are very knowledgeable in insurance sales and that can be a competitive advantage.
Listed below are Tucson exclusive insurance agencies who can help you get rate quotes.
American Family Insurance – Marla Avina Agency Inc.
1101 S Sherwood Village Dr – Tucson, AZ 85710 – (520) 546-8877 – View Map
Finding the right car insurance agent requires more thought than just the quoted price. Some important questions to ask are:
- Can they give you a list of client referrals?
- What is the agency’s Better Business Bureau rating?
- Has the agent ever had any license suspensions?
- Do they write coverage based solely on cost?
- Do they feel the quoted coverages are adequate?
- Where would glass claims be handled in Tucson?
Do I just need basic coverages?
When it comes to buying the right insurance coverage, there really is not a one-size-fits-all type of policy. Each situation is unique so your insurance should reflect that
For example, these questions can help discover if your situation would benefit from professional advice.
- Do I benefit by insuring my home with the same company?
- Am I covered by my spouse’s policy after a separation?
- Does coverage follow the driver or the vehicle?
- Can my babysitter drive my car?
- Does my insurance cover my expensive audio equipment?
- Why am I required to buy high-risk coverage?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
Best car insurance in Arizona
Insuring your vehicle with the right insurance company can be a challenge considering how many choices you have in Tucson. The company rank data in the lists below may help you choose which coverage providers to look at to insure your vehicles.
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+
Coverages available on your insurance policy
Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.
Collision insurance will pay to fix damage to your Durango resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things like hitting a mailbox, colliding with another moving vehicle, rolling your car, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible on your Durango to save money on collision insurance.
Coverage for liability
Liability coverage can cover damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 15/30/10 that translate to a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and $10,000 of coverage for damaged property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability coverage pays for things such as legal defense fees, attorney fees, funeral expenses and loss of income. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible. Arizona requires minimum liability limits of 15/30/10 but drivers should carry more coverage.
The illustration below shows why minimum state limits may not be enough.
Protection from uninsured/underinsured drivers
This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many Arizona drivers only purchase the least amount of liability that is required (15/30/10), their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for bills for rehabilitation expenses, prosthetic devices, doctor visits, hospital visits and X-ray expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible
Comprehensive (Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as theft, a broken windshield, damage from a tornado or hurricane and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Cheap insurance rates are possible
In this article, we covered a lot of ways to compare Dodge Durango insurance car insurance rates in Tucson. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.
When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability limits or collision coverage only to discover later that it was a big error on their part. Your aim should be to purchase plenty of coverage at the best price.
More information is located at these links:
- Older Driver Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Quotes for Safe Drivers in Tucson? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Retired Military in Tucson? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Low Credit Scores in Tucson? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Choosing an Insurance Company (Insurance Information Institute)