Smart shoppers know that auto insurance companies don’t want their customers to go rate shopping. Consumers who perform rate comparisons will presumably switch companies because there are good odds of finding a policy with better rates. A recent survey discovered that drivers who regularly compared rates saved over $3,500 over four years as compared to drivers who never shopped for cheaper rates.
If finding the lowest price on car insurance in Tucson is why you’re here, knowing how to shop and compare insurance can help make the process easier.
To save the most money, the best way to quote cheaper auto insurance rates is to compare prices regularly from companies who sell auto insurance in Tucson. This can be done by following these guidelines.
- First, try to understand individual coverages and the measures you can take to keep rates down. Many risk factors that are responsible for high rates such as at-fault accidents and poor credit can be remedied by making minor changes to your lifestyle.
- Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agents can provide rate quotes for a wide range of companies.
- Third, compare the quotes to your existing rates to see if you can save by switching companies. If you find a lower rate and switch companies, ensure coverage does not lapse between policies.
One thing to remember is that you use the same level of coverage on every quote and and to analyze as many auto insurance providers as possible. Doing this ensures a level playing field and a thorough selection of prices.
If you have a policy now or need new coverage, use these techniques to find better prices and possibly find even better coverage. This article will introduce you to how to effectively get price quotes and how to save the most money. Shoppers just need to use the quickest method to compare prices from many different companies.
The car insurance companies shown below can provide comparison quotes in Tucson, AZ. To find the cheapest car insurance in Tucson, it’s a good idea that you compare several of them to get a more complete price comparison.
Protect your Nissan vehicle and other assets
Despite the fact that insurance is not cheap in Tucson, insurance is mandatory in Arizona but it also protects more than you think.
- Just about all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability insurance coverage 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.
- If you bought your Nissan with a loan, most lenders will require that you buy full coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Nissan at a significantly higher premium and force you to pay for it.
- Insurance preserves your Nissan 350Z and your assets. It will also cover hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your 350Z definitely exceed the cost, especially if you ever need it. The average driver in Arizona is wasting up to $750 every year so you should quote your policy with other companies each time the policy renews to save money.
When in doubt talk to an agent
When it comes to buying coverage online or from an agent, there really isn’t a single plan that fits everyone. Every situation is different so your insurance should reflect that
Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.
- Can my babysitter drive my car?
- What can I do if my company won’t pay a claim?
- Am I better off with higher deductibles on my Nissan 350Z?
- Does my liability insurance cover pulling a trailer or camper?
- Can I use my car for my catering business?
- Does car insurance cover theft of personal property?
If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.
Coverages available on your auto insurance policy
Having a good grasp of a auto insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are the normal coverages found on the average auto insurance policy.
Comprehensive protection – This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as falling objects, vandalism and theft. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision coverage – Collision insurance pays for damage to your 350Z resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as damaging your car on a curb, hitting a mailbox, driving through your garage door, rolling your car and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible on your 350Z to get cheaper collision coverage.
Auto liability insurance – Liability coverage will cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 15/30/10 which means $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $10,000. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability insurance covers things like attorney fees, repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but you should think about purchasing better liability coverage.
The next chart demonstrates why minimum state limits may not be adequate.
Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Nissan 350Z.
Since many Arizona drivers carry very low liability coverage limits (Arizona limits are 15/30/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for surgery, doctor visits, pain medications and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Ratings for Tucson car insurance companies
Picking a highly-rated auto insurance provider is hard considering how many choices drivers have in Arizona. The company ratings in the lists below could help you decide which insurers to look at comparing rates with.
Top 10 Tucson Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Tucson Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Persistence will pay off
Throughout this article, we presented quite a bit of information on how to lower your Nissan 350Z insurance car insurance rates in Tucson. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies often have lower premium rates on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.
As you quote Tucson car insurance, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced full coverage and found out when filing a claim that it was a big error on their part. Your aim should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.
Helpful learning opportunities
- Booster Seat Ratings (iihs.org)
- Who Has Cheap Auto Insurance Rates for a Chevrolet Traverse in Tucson? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Honda Accord in Tucson? (FAQ)
- How Much are Tucson Auto Insurance Rates for a Ford F-150? (FAQ)
- Who Has Affordable Auto Insurance Quotes for High Risk Drivers in Tucson? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Medical Payments Coverage (Liberty Mutual)