If saving the most money is your goal, then the best way to get cheaper auto insurance rates in Tucson is to start doing a yearly price comparison from insurance carriers who provide car insurance in Arizona. Rates can be compared by completing these steps.
Step 1: Learn about the different coverages in a policy and the things you can control to keep rates down. Many rating criteria that result in higher rates such as inattentive driving and bad credit can be eliminated by being financially responsible and driving safely.
Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or Allstate, while independent agencies can provide price quotes from multiple companies.
Step 3: Compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you can save some money and decide to switch, ensure there is no coverage lapse between policies.
Step 4: Give proper notification to your current agent or company of your intention to cancel your current coverage and submit a completed application and payment to the newly selected company. As soon as coverage is bound, put the new certificate of insurance in your glove compartment.
The key thing to remember is that you’ll want to compare identical deductibles and limits on each quote and and to compare every insurance company. Doing this provides the most accurate price comparison and many rates to choose from.
Unfortunately, the vast majority of consumers in Arizona kept their policy with the same company for more than four years, and nearly half have never shopped around. American drivers can save almost 46.5% each year by just shopping around, but they won’t spend time to do a rate comparison.
All major insurance companies such as State Farm and Allstate provide prices online. Getting Suzuki Forenza insurance prices online is pretty easy because it’s just a matter of typing in the coverage amounts you desire into the quote form. When complete, the system automatically orders information on your driving record and credit history and returns a price based on the data you entered.
Being able to quote online for Suzuki Forenza insurance in Tucson helps simplify price comparisons, and it’s very important to have as many quotes as possible if you are searching for the cheapest possible prices on insurance.
To save time and get comparison pricing now, compare rates now from the companies shown below. If you have coverage now, it’s recommended you replicate the limits and deductibles exactly as they are listed on your policy. Doing this assures you will receive a price comparison for similar insurance coverage.
The companies shown below have been selected to offer price quotes in Tucson, AZ. In order to find the best cheap car insurance in Tucson, it’s highly recommended you compare several of them to find the most competitive car insurance rates.
Auto insurance is not optional in Arizona
Despite the high insurance cost for a Suzuki Forenza in Tucson, auto insurance is required in Arizona but also provides important benefits.
- Almost all states have compulsory liability insurance requirements which means you are required to buy a minimum amount of liability 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 have a loan on your Suzuki Forenza, almost all lenders will have a requirement that you have insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the lender may insure your Suzuki at a significantly higher premium and force you to reimburse them much more than you were paying before.
- Insurance safeguards not only your car but also 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, will also pay for a defense attorney in the event you are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car greatly outweigh the cost, particularly when you have a large claim. The average driver in Arizona is wasting up to $865 each year so you should quote and compare rates every year to make sure the price is not too high.
Affordable Tucson auto insurance rates with discounts
Companies that sell car insurance don’t necessarily list all discounts in a way that’s easy to find, so the following list contains a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.
- Buy New and Save – Insuring a vehicle that is new can save you some money because new vehicles keep occupants safer.
- Government Employees – Having worked for a branch of the government can earn a discount up to 10% with a few auto insurance companies.
- Paperwork-free – Some auto insurance companies provide a small discount for buying a policy and signing up digitally online.
- Good Students Pay Less – This discount can save 20 to 25%. Most companies allow this discount well after school through age 25.
- Memberships – Belonging to certain professional organizations may earn a discount when shopping for auto insurance.
- Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and therefore earn up to a 10% discount.
- Defensive Driver Discount – Successfully completing a defensive driver class is a good idea and can lower rates and easily recoup the cost of the course.
- One Accident Forgiven – This one is not really a discount per se, but companies like Allstate, Progressive, and GEICO will allow you to have one accident before your rates go up with the catch being you have to be claim-free before the accident.
While discounts sound great, it’s important to understand that some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, nobody gets a free ride.
Large auto insurance companies and their possible discounts are outlined below.
- GEICO may have discounts that include daytime running lights, emergency military deployment, anti-lock brakes, multi-vehicle, anti-theft, and military active duty.
- MetLife offers premium reductions for claim-free, multi-policy, accident-free, good student, good driver, defensive driver
- Progressive offers discounts for multi-vehicle, continuous coverage, online quote discount, good student, and online signing.
- Travelers has discounts for hybrid/electric vehicle, new car, IntelliDrive, payment discounts, home ownership, and multi-policy.
- SAFECO policyholders can earn discounts including teen safe driver, safe driver, drive less, homeowner, and anti-lock brakes.
- AAA includes discounts for good driver, AAA membership discount, anti-theft, multi-car, pay-in-full, education and occupation, and good student.
When getting free Tucson auto insurance quotes, it’s a good idea to each company to give you their best rates. Depending on the company, some discounts may not apply to policies in Tucson. If you would like to choose from a list of insurance companies who offer discounts in Arizona, click here to view.
Which policy gives me the best coverage?
Keep in mind that when it comes to choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and your car insurance should be unique as well.
For instance, these questions can aid in determining whether you could use an agent’s help.
- Why do I only qualify for high-risk insurance?
- Is business property covered if stolen from my car?
- Can I afford low physical damage deductibles?
- Does coverage extend to a rental car in a foreign country?
- I have good health insurance, so how much medical payments coverage do I need?
- Are rock chip repairs covered?
- At what point should I drop full coverage?
- Can I cancel at any time?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.
Insurance agencies can help
Many drivers prefer to visit with an insurance agent and that is not a bad decision One of the best bonuses of price shopping on the web is you may find cheap rate quotes and still choose a local agent. Supporting local insurance agents is especially important in Tucson.
Upon completion of this short form, your insurance coverage information is transmitted to participating agents in Tucson who will gladly provide quotes for your coverage. You won’t need to do any legwork due to the fact that quote results will go straight to your inbox. You can find lower rates AND a local agent. If you wish to get a comparison quote from one company in particular, just go to their quote page and fill out the quote form the provide.
Choosing the best company requires more thought than just the quoted price. These are valid questions to ask:
- Do they have designations such as AIC, CPCU, or CIC?
- How long has their agency been in business in Tucson?
- Is assistance available after office hours?
- Do they have a Better Business Bureau rating in Tucson?
- Will they make sure you get an adequate claim settlement?
- Will they give you a referral list?
- Can you contact them at any time?
Auto insurance policy coverages for a Suzuki Forenza
Learning about specific coverages of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages available from auto insurance companies.
Comprehensive auto coverage
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from flooding, damage from getting keyed, falling objects and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
This coverage covers damage to your Forenza resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things like hitting a mailbox, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible on your Forenza to get cheaper collision coverage.
Medical payments and PIP coverage
Med pay and PIP coverage provide coverage for immediate expenses for things like surgery, ambulance fees, doctor visits, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Suzuki Forenza.
Due to the fact that many Arizona drivers only purchase the least amount of liability that is required (which is 15/30/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
This coverage protects you from damage that occurs to other’s property or people in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 15/30/10 that translate to $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $10,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims like bail bonds, repair bills for other people’s vehicles, pain and suffering and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Arizona state law requires minimum liability limits of 15/30/10 but it’s recommended drivers buy higher limits.
The next chart demonstrates why buying low liability limits may not be high enough to cover claims.
Which car insurance company is best in Tucson?
Buying coverage from the top car insurance provider can be rather challenging considering how many companies there are to choose from in Tucson. The ranking information shown below could help you pick which providers to look at shopping your coverage 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 Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Compare. Compare. Compare.
When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where someone dropped full coverage only to regret at claim time that it was a big error on their part. Your strategy should be to find the BEST coverage at the best possible price while not skimping on critical coverages.
We just showed you many ideas to find lower-cost Suzuki Forenza insurance in Tucson. The key concept to understand is the more times you quote, the better chance you’ll have of finding cheaper Tucson auto insurance quotes. Consumers may even find the lowest car insurance rates come from a small mutual company. These smaller insurers can often provide lower premium rates in certain areas than their larger competitors like State Farm and Allstate.
Additional insurance information is available at these links:
- Auto Crash Statistics (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Rates for Drivers Under 21 in Tucson? (FAQ)
- How Much is Auto Insurance for 16 Year Olds in Tucson? (FAQ)
- Safety Belts FAQ (iihs.org)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Avoiding Deer Collisions (Insurance Information Institute)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)