The best way to get discount Tesla Model S insurance in Tucson is to begin comparing prices regularly from different companies who provide car insurance in Arizona.
Step 1: Get an understanding of how insurance companies determine prices and the steps you can take to keep rates low. Many rating factors that are responsible for high rates like at-fault accidents, speeding tickets, and a poor credit rating can be rectified by improving your driving habits or financial responsibility.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive and State Farm, while agents who are independent can provide prices from multiple companies.
Step 3: Compare the new quotes to the premium of your current policy and see if there is a cheaper rate. If you can save some money and make a switch, verify that coverage does not lapse between policies.
An important note is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote and and to get rates from as many companies as you can. Doing this provides a level playing field and the best rate selection.
Everyone knows that auto insurance companies don’t want you to compare rates. Insureds who perform rate comparisons are inclined to move their business because of the good chance of finding more affordable rates. Remarkably, a study showed that drivers who made a habit of comparing rates saved an average of $850 each year compared to policyholders who never compared prices.
If saving money on Tesla Model S insurance in Tucson is your intention, then having a good understanding how to get free comparison quotes and analyze coverage rates can make it simple to find affordable coverage.
If you’re already insured or are shopping for new coverage, you can follow these tips to get lower rates and possibly find even better coverage. Locating the most cost-effective auto insurance policy in Tucson is really quite easy. Drivers only need an understanding of the best way to get comparison quotes from many different companies.
How much does Tesla Model S insurance in Tucson, Arizona cost?
Reducing your Tesla Model S insurance rates can be relatively painless. Drivers just need to spend a little time to compare rates to find the company with inexpensive Tucson auto insurance quotes.
Getting free quotes online is quite simple, and it replaces the need to drive around to insurance agents’ offices. The internet reduces the need to sit down with an agent unless your situation requires the professional advice of a local agency. You can, however, price shop your coverage online but still have the advice of a local agent.
The companies shown below have been selected to offer price quotes in Arizona. In order to find cheap auto insurance in Tucson, it’s highly recommended you click on several of them to get the best price comparison.
Why do I need car insurance?
Despite the high cost of buying insurance for a Tesla Model S in Tucson, maintaining insurance is required in Arizona but it also protects you in many ways.
First, most states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability insurance in order to license the 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.
Second, if you bought your vehicle with a loan, most banks will stipulate that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender will be forced to insure your Tesla for a lot more money and require you to fork over the higher price.
Third, car insurance preserves your Tesla and your assets. Insurance will pay for most medical and hospital costs that are the result of an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having car insurance are without a doubt worth the cost, especially when you need to use it. But the average American driver is overpaying more than $850 per year so you should quote rates every year to ensure rates are competitive.
Affordable Tesla Model S insurance quotes in Tucson
Auto insurance companies don’t always list all discounts in an easy-to-find place, so we researched a few of the more well known and also the lesser-known discounts you could be receiving when you buy Tucson auto insurance online.
- Pay Early and Save – By paying your entire bill at once instead of paying each month you can avoid the installment charge.
- Distant Student – Older children who attend college more than 100 miles from Tucson without a vehicle on campus could get you a discount.
- Tucson Homeowners Pay Less – Owning a house in Tucson can earn you a little savings since home ownership is proof of financial responsibility.
- Multi-line Discount – Some insurance carriers give a discounted price on car insurance if you buy some life insurance too.
- Driver Training Discounts – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
- Claim-Free Discount – Tucson drivers who stay claim-free can earn big discounts as compared to insureds who have frequent claims or accidents.
- Low Miles Discount – Keeping the miles down on your Tesla can qualify you for cheaper insurance rates.
As a footnote on discounts, many deductions do not apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. Even though the math looks like you can get free auto insurance, nobody gets a free ride. But all discounts will positively reduce the cost of your policy.
To find insurance companies that can offer you the previously mentioned discounts in Arizona, click here.
Get rate quotes but still have a neighborhood Tucson auto insurance agent
Some consumers prefer to get advice from a local agent and often times that is recommended Professional insurance agents can help determine the best coverages and will help you if you have claims. One of the best bonuses of comparing rates online is that you can find the best rates and still buy from a local agent.
After filling out this short form, your insurance coverage information is submitted to local insurance agents who will give competitive quotes and help you find cheaper coverage. You never need to contact any insurance agencies as quotes are delivered to you instantly. If for some reason you want to get a price quote from a specific insurance company, you would need to search and find their rate quote page and fill out their quote form.
Picking the best company should include more criteria than just the bottom line cost. The following questions are important to ask.
- Do they make recommendations based only on price?
- Does the company allow you to choose your own collision repair facility?
- Is working in the agency their full-time job?
- Are aftermarket or OEM parts used to repair vehicles?
- Will your rates increase after a single accident?
Tucson car insurance agents come in two flavors
If you want a good Tucson insurance agent, it’s important to understand the types of agencies and how they work. Agents in Tucson can be described as either exclusive or independent agents depending on their company appointments. Both types can sell affordable auto insurance policies, but it’s important to point out the differences since it can affect buying decisions.
Exclusive Auto Insurance Agencies
These agents are contracted to one company such as Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot give you multiple price quotes so they really need to provide good service. Exclusive agents are usually quite knowledgeable on their company’s products and that can be a competitive advantage.
The following is a short list of exclusive agents in Tucson who can help you get price quotes.
Independent Auto Insurance Agents
Independent agencies can quote rates with many companies so they can write business through lots of different companies and help determine which has the cheapest rates. If they find a lower price, they can switch companies in-house and you don’t have to do anything.
If you need cheaper auto insurance rates, we recommend you get several quotes from a couple of independent agencies to get the most accurate price comparison.
Shown below are independent agencies in Tucson who can help you get rate quotes.
Auto insurance coverage considerations
Understanding the coverages of auto insurance can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from auto insurance companies.
Protection from uninsured/underinsured drivers
This provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many Arizona drivers carry very low liability coverage limits (which is 15/30/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.
Medical expense insurance
Med pay and PIP coverage provide coverage for expenses for things like ambulance fees, hospital visits, EMT expenses, chiropractic care and surgery. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible
Comprehensive (Other than Collision)
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like hitting a deer, hitting a bird, falling objects and fire damage. The most 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 not worth carrying full coverage.
Collision coverage protection
This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims like backing into a parked car, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible on your Model S to get cheaper collision coverage.
Coverage for liability
Liability coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 15/30/10 that translate to a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage protects against things such as emergency aid, funeral expenses and loss of income. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible. Arizona state law requires minimum liability limits of 15/30/10 but drivers should carry more coverage.
The illustration below demonstrates why minimum state limits may not provide adequate coverage.
How much can you save?
More affordable car insurance in Tucson is available both online and also from your neighborhood Tucson agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who don’t offer the ability to get a quote online and these smaller companies only sell coverage through independent agents.
In this article, we presented a lot of techniques to compare Tesla Model S insurance premium rates in Tucson. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a small mutual company. Some small companies often have lower prices on specific markets compared to the large companies like Allstate, GEICO and Progressive.
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- What Auto Insurance is Cheapest for a Toyota Tacoma in Tucson? (FAQ)
- Who Has Affordable Auto Insurance Quotes for High Risk Drivers in Tucson? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Eight Auto Insurance Myths (Insurance Information Institute)