Truthfully, the best way to get low-cost auto insurance rates is to annually compare prices from providers that sell auto insurance in Tucson. Rate comparisons can be done by completing these steps.
First, read about what is in your policy and the factors you can control to lower rates. Many policy risk factors that cause rate increases like accidents, traffic violations, and poor credit history can be eliminated by being financially responsible and driving safely. Continue reading for more details to help find cheaper rates and find discounts that may have been missed.
Second, get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while independent agents can provide rate quotes from multiple sources.
Third, compare the new quotes to your existing rates to see if a cheaper rate is available in Tucson. If you find a lower rate quote and decide to switch, ensure coverage does not lapse between policies.
One important bit of advice is to compare the same level of coverage on each price quote and and to get rates from as many car insurance companies as possible. Doing this enables a fair rate comparison and many rates to choose from.
It’s an obvious assumption that auto insurance companies want to keep you from shopping around. Drivers who shop around are highly likely to buy a different policy because of the good chance of finding better rates. A recent survey discovered that people who make a habit of shopping around saved $860 a year compared to those who never shopped around for better prices.
If finding the cheapest price for auto insurance is your ultimate goal, then having an understanding of how to quote and compare coverages can help simplify the task of finding more affordable coverage.
When comparison shopping, having more price comparisons helps improve the odds of finding more affordable rates. Some companies don’t provide price estimates online, so you also need to get quotes from them, too.
The following companies have been selected to offer price comparisons in Arizona. If your goal is to find cheap car insurance in AZ, we suggest you visit as many as you can to get a more complete price comparison.
Why you need vehicle insurance in Arizona
Despite the high insurance cost for a Kia Sorento in Tucson, paying for auto insurance may be required and benefits you in several ways.
- Just about all states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability insurance coverage in order to drive the car legally. 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 Kia, most lenders will require that you have physical damage coverage to protect their interest in the vehicle. If you default on your policy, the lender will be forced to insure your Kia at a significantly higher premium and make you pay for it.
- Insurance safeguards your car and your assets. It will also pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability insurance will also pay attorney fees if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of insuring your car more than cancel out the cost, especially for larger claims. But the average driver in Arizona is overpaying over $700 annually so it’s very important to do a rate comparison each time the policy renews to ensure rates are competitive.
Insurance policy discounts for Kia Sorento insurance in Tucson
Insuring your fleet can be pricey, but you may be missing some discounts that you may not even be aware of. Certain discounts will be applied at quote time, but a few must be specially asked for prior to receiving the credit.
- Discounts for Multiple Vehicles – Insuring more than one vehicle with the same company qualifies for this discount.
- Driver Safety – Taking part in a course teaching driver safety skills could save 5% or more and easily pay for the cost of the class.
- Fewer Miles Equal More Savings – Maintaining low annual mileage can qualify you for slightly better prices than normal.
- Distant Student – College-age children who live away from home at college without a vehicle on campus could get you a discount.
- Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
It’s important to note that most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it appears you could get a free insurance policy, insurance companies aren’t that generous. Any amount of discount will help lower the amount you pay for coverage.
Auto insurance companies that may offer most of the discounts above include:
Before purchasing a policy, check with every prospective company to give you their best rates. Some credits may not be available in every state.
Buying car insurance from Tucson insurance agencies
Many people still prefer to get advice from a local agent and we recommend doing that The best thing about comparing rate quotes online is you may find lower rates and still buy from a local agent.
Upon completion of this form (opens in new window), the coverage information is transmitted to local insurance agents that can give you free Tucson auto insurance quotes for your coverage. It’s much easier because you don’t need to find an agent since rate quotes are delivered directly to you. You’ll get the best rates without a big time investment. In the event you want to get a price quote from a particular provider, feel free to visit that company’s website and fill out their quote form.
Finding the right provider shouldn’t rely on just a low price. Some important questions to ask are:
- Where would glass claims be handled in Tucson?
- Does the agency support the community they serve?
- Will they give you a referral list?
- What is the financial rating for the quoted company?
- If your car is totaled, how to they determine the replacement cost?
- Does the agent recommend any additional coverage?
Tucson auto insurance companies ranked
Picking a high-quality insurance provider can be challenging considering how many companies provide coverage in Arizona. The ranking information shown next could help you analyze which insurers to look at comparing prices from.
Top 10 Tucson Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Insurance specifics
Having a good grasp of insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.
Insurance for medical payments
Med pay and PIP coverage kick in for bills for things like X-ray expenses, rehabilitation expenses, dental work and nursing services. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
Auto collision coverage
This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims like crashing into a building, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible on your Sorento in order to get cheaper collision rates.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that 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. For this reason, having high UM/UIM coverages is very important.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as rock chips in glass, vandalism, a tree branch falling on your vehicle and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Auto liability insurance
This protects you from damage that occurs to people or other property 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 stand for a limit of $15,000 per injured person, a total of $30,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.
Liability can pay for claims such as repair costs for stationary objects, repair bills for other people’s vehicles, attorney fees, structural damage and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Arizona state law requires minimum liability limits of 15/30/10 but it’s recommended drivers buy more coverage.
The illustration below demonstrates why buying low liability limits may not be enough coverage.
Smart shoppers get results
In this article, we covered some good ideas how you can lower your Kia Sorento insurance rates in Tucson. The most important thing to understand is the more providers you compare, the better likelihood of getting cheaper Tucson auto insurance quotes. You may even find the lowest rates are with the least-expected company.
Insureds change insurance companies for many reasons like high prices, policy cancellation, being labeled a high risk driver and high rates after DUI convictions. It doesn’t matter what your reason, finding a new company can be less work than you think.
Discount Kia Sorento insurance in Tucson can be sourced online and from local insurance agents, so you should compare both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and these small insurance companies only sell through independent agents.
Even more information is located in these articles:
- Teen Driving Statistics (GEICO)
- How Much are Car Insurance Quotes for a Nissan Rogue in Tucson? (FAQ)
- Who Has the Cheapest Auto Insurance for Veterans in Tucson? (FAQ)
- What Insurance is Cheapest for Drivers Over Age 70 in Tucson? (FAQ)
- How Much is Auto Insurance for Welfare Recipients in Tucson? (FAQ)
- How Much is Tucson Auto Insurance for a Honda Civic? (FAQ)
- Who Has Cheap Auto Insurance for 17 Year Olds in Tucson? (FAQ)
- Who Has the Cheapest Car Insurance for a Honda CR-V in Tucson? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)