If you want to save money, the best way to get cheaper car insurance rates is to compare quotes annually from insurers who provide car insurance in Tucson.
- First, try to understand the different coverages in a policy and the things you can control to drop your rates. Many policy risk factors that are responsible for high rates such as tickets, at-fault accidents, and poor credit rating can be improved by making minor changes in your lifestyle. This article gives more ideas to get cheaper coverage and find discounts that may have been missed.
- Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Allstate, while independent agents can provide price quotes for a wide range of insurance providers. View rates
- Third, compare the price quotes to your existing rates to see if switching to a new carrier will save money. If you can save some money, ensure there is no coverage lapse between policies.
An important note is to use the same physical damage deductibles and liability limits on every price quote and and to get quotes from as many companies as possible. This ensures a level playing field and the best price selection.
It’s hard to fathom, but the vast majority of consumers renewed their policy with the same company for at least four years, and nearly 40% of drivers have never compared insurance rates at all. Many drivers in Arizona could save up to $733 each year by just shopping around, but they feel it’s too difficult to shop their coverage around.
To find the best insurance rates, there are several ways to compare rate quotes from many insurance companies in Arizona. The quickest method to find the lowest Kia Rio rates is simply to get online rate quotes.
Keep in mind that comparing a wide range of rates helps improve the odds of finding more affordable rates.
The providers in the list below are ready to provide price quotes in Arizona. If you want cheap car insurance in AZ, we suggest you visit two to three different companies to get the most competitive price.
Slash rates with these discounts
Car insurance is not inexpensive, but there’s a good chance there are discounts to cut the cost considerably. Certain reductions will be credited when you complete an application, but some discounts are required to be asked about prior to receiving the credit.
- Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease with some car insurance companies.
- Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a lower rate if you buy a life insurance policy as well.
- Senior Citizen Discount – Older drivers may be able to get a discount up to 10%.
- Paper-free Discount – Some insurance companies provide a small discount for completing your application on the web.
- Military Discounts – Being deployed with a military unit could be rewarded with lower car insurance rates.
- Discounts for Good Drivers – Insureds without accidents can pay as much as 50% less than less cautious drivers.
- Payment Discounts – By paying your policy upfront rather than paying monthly you can avoid the installment charge.
- Multiple Vehicles – Having multiple cars or trucks on a single policy can get a discount on all vehicles.
- Own a Home and Save – Just owning your own home can help you save on car insurance because maintaining a house is proof that your finances are in order.
Please keep in mind that most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
The information below illustrates the difference between Kia Rio car insurance rates with and without discounts. The costs are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, multi-policy, safe-driver, and marriage discounts applied.
Popular car insurance companies and the discounts they provide are outlined below.
- Mercury Insurance may offer discounts for professional/association, anti-theft, good student, annual mileage, multi-car, and good driver.
- Farmers Insurance includes discounts for alternative fuel, good student, business and professional, switch companies, distant student, and mature driver.
- Farm Bureau may include discounts for 55 and retired, good student, renewal discount, driver training, and youthful driver.
- State Farm offers discounts for passive restraint, good student, accident-free, defensive driving training, student away at school, safe vehicle, and good driver.
- Allstate offers discounts including senior citizen, EZ pay plan discount, auto/life discount, utility vehicle, 55 and retired, and defensive driver.
- GEICO may have discounts that include good student, military active duty, multi-vehicle, federal employee, anti-theft, and seat belt use.
If you need lower rates, check with all the companies which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see insurance companies that offer multiple discounts in Arizona, follow this link.
Insurance coverage analysis
The table displayed below outlines estimates of rate quotes for Kia Rio models. Having knowledge of how prices are established can benefit drivers when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $204 | $428 | $348 | $20 | $104 | $1,104 | $92 |
| Rio LX | $204 | $428 | $348 | $20 | $104 | $1,104 | $92 |
| Rio SX | $234 | $506 | $348 | $20 | $104 | $1,212 | $101 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect insurance rates considerably.
Physical damage deductibles: Should you raise them?
One of the most common auto insurance questions is how high or low should comp and collision deductibles be. The following tables may help to illustrate the premium difference of buying low and high comp and collision deductibles. The first set of rates uses a $100 deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $224 | $466 | $338 | $20 | $102 | $1,175 | $98 |
| Rio LX | $224 | $466 | $338 | $20 | $102 | $1,175 | $98 |
| Rio SX | $258 | $548 | $338 | $20 | $102 | $1,291 | $108 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Rio | $124 | $246 | $338 | $20 | $102 | $830 | $69 |
| Rio LX | $124 | $246 | $338 | $20 | $102 | $830 | $69 |
| Rio SX | $144 | $290 | $338 | $20 | $102 | $894 | $75 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Prices do not factor in specific garaging location which can change insurance rates considerably.
We can estimate from the data above that using a $100 deductible could cost the average driver approximately $30 more each month or $360 every year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 30 months between claims, you would probably come out ahead if you opt for a higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $100 deductibles: | $101 |
| Average monthly premium for $1,000 deductibles (subtract): | – $71 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
The information below highlights how deductible choice and can affect Kia Rio insurance rates for different age groups. The data is based on a single female driver, full physical damage coverage, and no other discounts are factored in.
Age, gender, and Kia Rio insurance
The example below compares Kia Rio insurance prices for male and female drivers. Data assumes no accidents or driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied.
How do Car Insurance Companies Determine Kia Rio Insurance Prices?
Part of the auto insurance buying process is learning the rating factors that help calculate the price you pay for auto insurance. If you know what determines premiums, this allows you to make educated decisions that could help you find lower auto insurance prices.
Listed below are a partial list of the pieces auto insurance companies consider when setting your rate level.
Your employer can affect rates – Careers like fire fighters, business owners, and dentists are shown to have the highest average rates attributed to high stress and lengthy work days. Other occupations like professors, students and retirees pay lower than average rates.
Don’t get traffic citations – Even a single driving citation can bump up the cost to the point where it’s not affordable. Drivers with clean records get better rates than their less careful counterparts. Drivers who get severe violations like DUI or reckless driving may face state-mandated requirements to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
The diagram below illustrates how speeding tickets and accident claims can drive up Kia Rio car insurance costs for different categories of driver ages. The prices are based on a married male driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
A policy lapse is a bad thing – Going without insurance is a fast way to pay more for auto insurance. And not only will your rates increase, being ticketed for driving with no insurance could earn you a steep fine or even jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with the Arizona department of motor vehicles.
Physical damage deductibles – Insurance for physical damage, otherwise known as comp (or other than collision) and collision, protects your Kia from damage. Some coverage claims are collision with another vehicle, flood damage, or theft. Your deductibles define the amount you are willing to pay out-of-pocket if a claim is determined to be covered. The more of the claim the insured has to pay upfront, the better rate you will receive.
More traffic equals higher costs – Being located in less populated areas may provide you with better prices when insuring your vehicles. Fewer drivers on the road translates into fewer accidents as well as less vandalism and auto theft. Drivers who live in large Arizona cities regularly have more auto accidents and more time behind the wheel. More time on the road means a statistically higher chance of an accident.
Kia Rio insurance loss probability – Companies study historical loss data to help calculate a profitable premium price. Vehicles that are shown to have higher prevalence or dollar amount of losses will have higher premium rates. The next table illustrates the insurance loss data used by companies for Kia Rio vehicles.
For each type of coverage, the loss probability for all vehicles, regardless of manufacturer or model, equals 100. Percentage numbers below 100 represent a good loss history, while numbers above 100 indicate a higher chance of having a claim or an increased chance of a larger loss.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Kia Rio | 90 | 109 | 81 | 141 | 158 | 127 |
Statistics from IIHS.org for 2013-2015 Model Years
Insurance quotes from neighborhood Tucson auto insurance agents
A lot of people would prefer to talk to an insurance agent and often times that is recommended An additional benefit of comparing rate quotes online is that you can obtain cheaper prices and still buy from a local agent. Supporting local insurance agents is important especially in Tucson.
To find an agent, once you fill out this form (opens in new window), your information is emailed to local insurance agents in Tucson who will gladly provide quotes and help you find cheaper coverage. There is no need to leave your computer because prices are sent directly to you. You can most likely find cheaper rates without having to waste a lot of time. If you want to get a price quote from a specific insurance company, feel free to go to their quote page and fill out the quote form the provide.
When narrowing the list to find a reliable insurance agency, you must know there are a couple different types of agents that you can select. Insurance policy providers can be categorized as either exclusive or independent (non-exclusive).
Independent Insurance Agents
Agents that elect to be independent are not employed by any specific company and that enables them to quote your coverage with multiple insurance companies and find the cheapest rate. To transfer your coverage to a different company, the business is moved internally which requires no work on your part.
If you need lower rates, you will definitely want to include price quotes from a couple of independent agencies to have the most options to choose from. They also have the ability to place coverage with small mutual carriers which may provide better rates.
Listed below are Tucson independent agencies who may be able to give you pricing information.
- Crest Insurance Group LLC
5285 E Williams Cir #4500 – Tucson, AZ 85711 – (520) 881-5760 – View Map - Oasis Insurance
405 E Wetmore Rd g115 – Tucson, AZ 85705 – (520) 888-5000 – View Map - AZ Insurance Center
8880 E Speedway Blvd #101 – Tucson, AZ 85710 – (520) 722-0665 – View Map
Exclusive Insurance Agencies
These type of agents have only one company to place business with and examples are AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to shop your coverage around so keep that in mind. They are highly trained on sales techniques and that can be a competitive advantage. Consumers frequently buy from exclusive agents primarily because of the prominent brand name rather than having the cheapest rates.
Listed below is a short list of exclusive agencies in Tucson willing to provide price quote information.
- Allstate Insurance: Shannon Burke
2860 W Ina Rd Ste 104 – Tucson, AZ 85741 – (520) 742-6683 – View Map - Jeff Noel – State Farm Insurance Agent
9136 E Valencia Rd #110 – Tucson, AZ 85747 – (520) 574-7777 – View Map - Tim Heffentrager – State Farm Insurance Agent
116 S Kolb Rd – Tucson, AZ 85710 – (520) 296-7181 – View Map
Picking the best insurance agent shouldn’t rely on just the premium amount. Any agent in Tucson should be willing to answer these questions.
- Are there any discounts for paying up front?
- How is replacement cost determined on your vehicle?
- Can glass repairs be made at your home?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Can they give you a list of client referrals?
Auto insurance companies ranked
Ending up with the top auto insurance provider can be difficult considering how many companies sell insurance in Arizona. The company information shown below could help you analyze which companies you want to consider comparing rates with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
More effort can pay off
People leave their current company for a number of reasons such as questionable increases in premium, high rates after DUI convictions, unfair underwriting practices or policy non-renewal. It doesn’t matter what your reason, switching companies is easier than you think.
Lower-priced Kia Rio insurance in Tucson can be bought both online and with local Tucson insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and these small, regional companies only sell through local independent agents.
As you go through the steps to switch your coverage, never reduce needed coverages to save money. There are a lot of situations where drivers have reduced physical damage coverage and discovered at claim time that it was a big mistake. The ultimate goal is to buy enough coverage at the best cost but still have enough coverage for asset protection.
Additional learning opportunities
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Who Has the Cheapest Tucson Car Insurance for Drivers Over Age 50? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance for Seniors? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Low Credit Scores in Tucson? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Parking Tips to Reduce Door Dings (State Farm)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)