Unthinkable but true, the majority of drivers have been with the same company for at least four years, and about 40% of consumers have never compared quotes from other companies. With the average insurance premium being $1,847, American drivers can save hundreds of dollars each year, but most undervalue how much they could save if they replace their high priced policy.
If saving the most money is your goal, then the best way to save money on Lexus GS F insurance is to start comparing rates regularly from different companies who provide car insurance in Tucson. Drivers can shop around by completing these steps.
- Step 1: Learn about the coverage provided by your policy and the measures you can control to keep rates in check. Many rating factors that result in higher rates such as speeding tickets, accidents and a not-so-good credit rating can be rectified by making minor changes in your lifestyle.
- Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while independent agents can give you price quotes from multiple insurance companies.
- Step 3: Compare the new rate quotes to your current policy premium and see if there is a cheaper rate in Tucson. If you find better rates and make a switch, make sure there is no lapse in coverage.
- Step 4: Provide written notification to your current company of your intention to cancel your current auto insurance policy and submit the application along with any required down payment to the newly selected company. Once the application is submitted, put the proof of insurance paperwork above your visor, in the console, or in the glove compartment.
A good tip to remember is that you use the same liability limits and deductibles on every quote request and and to compare as many companies as possible. Doing this provides a level playing field and and a good selection of different prices.
To get affordable Lexus GS F insurance quotes, there a variety of ways to compare rate quotes from many insurance companies in Arizona. The quickest method to find the cheapest insurance rates consists of obtaining rate quotes online.
It’s so simple to compare insurance rate quotes online makes it a waste of time to drive around to insurance agencies in your area. Comparing online rate quotes can eliminate the need for a local agent unless you require the trained guidance that only an agent can give. Drivers can price shop online but have a local agent actually write the policy. When comparison shopping, comparing more prices helps locate lower pricing.
The companies in the list below offer price quotes in Tucson, AZ. To find cheaper auto insurance in AZ, we suggest you get prices from several of them in order to find the most affordable rates.
Why do I need car insurance?
Despite the fact that car insurance is not cheap in Tucson, paying for car insurance is required for several reasons.
- Just about all states have mandatory insurance requirements which means the state requires specific minimum amounts 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 your Lexus has a lienholder, it’s most likely the lender will stipulate that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may insure your Lexus at a significantly higher premium and force you to reimburse them a much higher amount than you were paying before.
- Car insurance protects both your vehicle and your assets. It will also cover medical transport and hospital expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you have damage to your Lexus as the result of the weather or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of having insurance are definitely more than the cost, especially for larger claims. Despite what companies tell you, the average driver is currently overpaying as much as $700 annually so compare rates every year to ensure rates are competitive.
Take these five policy discounts and save on Lexus GS F insurance in Tucson
Auto insurance is neither fun to buy or cheap, but there’s a good chance there are discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be inquired about prior to receiving the credit.
- Multi-Vehicle Discounts – Buying coverage for primary and secondary vehicles on a single policy can reduce the rates for all insured vehicles.
- Distant College Student Discount – Any of your kids who attend college more than 100 miles from Tucson and leave their car at home can receive lower rates.
- Discounts for Responsible Drivers – Safe drivers can save up to 40% or more on their Tucson auto insurance quote than drivers with accidents.
- Professional Memberships – Affiliation with qualifying clubs or civic groups may earn a discount when shopping for auto insurance.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy life insurance.
Discounts lower rates, but some credits don’t apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
For a list of providers with the best discounts in Arizona, follow this link.
Independent versus exclusive auto insurance agents
Many drivers would rather get professional advice from a licensed agent and we recommend doing that A nice benefit of comparing rates online is that drivers can save money and get cheap rate quotes and still have an agent to talk to. Buying from and supporting local insurance agents is important especially in Tucson.
By using this short form, your insurance data is immediately sent to agents in your area who will gladly provide quotes for your insurance coverage. You won’t need to find an agent on your own since price quotes are sent to you. You can find the lowest rates and a licensed agent to talk to. If you wish to get a comparison quote from a specific insurance provider, you would need to go to their quote page and complete a quote there.
If you prefer to buy insurance from a reputable agency, you should know the types of agencies from which to choose. Agents in Tucson can either be independent agents or exclusive agents.
Independent Insurance Agencies or Brokers
Agents of this type are not employed by one company so as a result can place your coverage through many companies and find you the best rates. If you want to switch companies, your policy is moved internally without you having to go to a different agency. When shopping rates, you will want to include a couple of independent agencies to get the most accurate price comparison.
Listed below are Tucson independent agents who may provide price quotes.
Agents of this type can only quote rates from one company and examples are AAA, Allstate, and State Farm. They generally cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive insurance agents receive extensive training on what they offer which helps them compete with independent agents.
Shown below are Tucson exclusive insurance agents who can help you get price quotes.
American Family Insurance – Kristi Frank Agency Inc.
4319 E Broadway Blvd – Tucson, AZ 85711 – (520) 323-0017 – View Map
Selecting an auto insurance agent is decision based upon more than just the bottom line cost. Any agent in Tucson should have no problem answering these questions:
- Does the company have a solid financial rating?
- Does the agency support the community they serve?
- How often do they review coverages?
- Do they have a Better Business Bureau rating in Tucson?
- Are they giving you every discount you deserve?
- Do they carry Errors and Omissions coverage?
- Can they provide you with a list of referrals?
- Do you work with a CSR or direct with the agent?
After receiving acceptable answers as well as an affordable premium quote, it’s a good possibility that you have found an insurance agent that is reputable and can provide insurance coverage. Keep in mind it’s your policy and you can terminate your policy when you choose so don’t assume that you are obligated to a specific company with no way to switch.
Insurance coverages and their meanings
Knowing the specifics of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.
Coverage for collisions
This coverage covers damage to your GS F caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also bump up the deductible on your GS F to save money on collision insurance.
Insurance for medical payments
Med pay and PIP coverage kick in for expenses such as EMT expenses, prosthetic devices and surgery. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as damage from getting keyed, hitting a bird, vandalism, theft and rock chips in glass. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
This coverage provides protection from damage or injury you incur to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 15/30/10 which means $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property. Another option is a combined limit which limits claims to one amount without having the split limit caps.
Liability insurance covers claims like repair bills for other people’s vehicles, medical services, structural damage, bail bonds and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford. Arizona requires minimum liability limits of 15/30/10 but you should think about purchasing more coverage.
The chart below shows why buying minimum limits may not be adequate coverage.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Lexus GS F.
Since many Arizona drivers only purchase the least amount of liability that is required (15/30/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.
Affordable coverage is out there
When shopping online for car insurance, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced physical damage coverage only to find out that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at a price you can afford, but do not skimp to save money.
Some companies do not offer online rate quotes and these small, regional companies provide coverage only through local independent agents. Lower-priced car insurance in Tucson can be bought both online in addition to local insurance agencies, so you should compare both in order to have the best price selection to choose from.
Additional car insurance information can be read at these links:
- What is Covered by GAP Insurance? (Allstate)
- Who Has the Cheapest Tucson Auto Insurance for Immigrants? (FAQ)
- Who Has Affordable Tucson Auto Insurance Quotes for a Ford Escape? (FAQ)
- Who Has Affordable Car Insurance Quotes for Inexperienced Drivers in Tucson? (FAQ)
- Who Has Cheap Tucson Car Insurance Rates for Uninsured Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Retired Military in Tucson? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)