It’s a known fact that car insurance companies don’t want you to look for a cheaper policy. Drivers who shop around once a year are very likely to switch companies because they stand a good chance of finding a lower rate. A study showed that people who regularly compared price quotes saved an average of $72 a month compared to those who never shopped around for lower prices.
If finding budget-friendly Toyota 86 insurance in Tucson is your ultimate objective, then learning about how to compare auto insurance can make it easier for you to save money.
To save the most money, the best way to find better pricing on Toyota 86 insurance in Tucson is to compare prices once a year from insurance carriers that insure vehicles in Arizona. You can shop around by following these steps.
Step 1: Spend a few minutes and learn about how companies set rates and the things you can control to keep rates down. Many rating criteria that cause high rates like careless driving and a bad credit score can be remedied by paying attention to minor details. Later in this article we will cover ideas to help keep prices low and find discounts that you may qualify for.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and State Farm, while agents who are independent can quote rates from multiple sources.
Step 3: Compare the price quotes to the premium of your current policy to see if you can save by switching companies. If you can save money and make a switch, make sure coverage is continuous and does not lapse.
One bit of advice is that you use similar limits and deductibles on every quote request and and to get rates from as many auto insurance providers as possible. Doing this helps ensure a fair rate comparison and a complete rate analysis.
Cheap companies for Toyota 86 insurance in Arizona
The following companies offer price comparisons in Tucson, AZ. To locate cheap auto insurance in Tucson, we recommend you compare several of them to get the best price comparison.
Do you qualify for discounts?
Some insurers do not list every discount in an easy-to-find place, so we break down both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy Tucson auto insurance online.
- Save with More Vehicles Insured – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
- Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for discounted insurance rates on garaged vehicles.
- Defensive Driver – Participating in a defensive driver class could save 5% or more if your company offers it.
- Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last until age 25.
- Early Signing – Some companies provide a discount for switching to them before your current coverage expires. It can save you around 10%.
- Pay Upfront and Save – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.
- Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
It’s important to understand that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, you won’t be that lucky.
The best insurance companies and a summarized list of policyholder discounts are included below.
- Progressive includes discounts for multi-policy, online signing, multi-vehicle, good student, and continuous coverage.
- AAA may offer discounts for multi-car, pay-in-full, good driver, multi-policy, good student, and anti-theft.
- Farmers Insurance offers discounts for electronic funds transfer, youthful driver, distant student, business and professional, alternative fuel, homeowner, and good student.
- GEICO policyholders can earn discounts including five-year accident-free, military active duty, seat belt use, emergency military deployment, and good student.
- Esurance has savings for multi-policy, defensive driver, multi-car, anti-theft, safety device, DriveSense, and good driver.
- SAFECO offers discounts including bundle discounts, multi-car, homeowner, anti-lock brakes, teen safety rewards, safe driver, and accident prevention training.
- State Farm discounts include multiple autos, accident-free, defensive driving training, passive restraint, multiple policy, good driver, and Drive Safe & Save.
When quoting, ask each company or agent which discounts can lower your rates. All car insurance discounts may not be offered in Tucson. If you would like to see a list of insurance companies that offer multiple discounts in Arizona, follow this link.
Shop online but buy locally
Certain consumers would rather sit down and talk to an agent and doing that can be a smart decision Experienced insurance agents are trained risk managers and will help you if you have claims. The biggest benefit of comparing rate quotes online is the fact that you can find better rates and still choose a local agent. And supporting small agencies is still important in Tucson.
To find an agent, once you fill out this form (opens in new window), your insurance data is immediately sent to insurance agents in Tucson that can provide free Tucson auto insurance quotes and help you find cheaper coverage. You don’t have to search for an agent since rate quotes are delivered to you directly. If you need to get a price quote for a specific company, you would need to go to their quote page and fill out the quote form the provide.
If you’re trying to find an insurance agent, you must know there are a couple different types of agents and how they can quote your rates. Agents in Tucson can be categorized as either independent (non-exclusive) or exclusive. Both sell and service auto insurance coverage, but it is important to understand the difference in how they write coverage since it can affect the selection process.
Independent insurance agents often have many company appointments so they can insure your vehicles through lots of different companies and get the cheapest rates. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency. If you need cheaper auto insurance rates, we highly recommend that you get several quotes from a couple of independent agencies so that you can do a thorough price comparison. Most also have access to companies that do not advertise much which may provide better rates.
Shown below is a small list of independent insurance agents in Tucson who may provide comparison quotes.
- Crest Insurance Group LLC
5285 E Williams Cir #4500 – Tucson, AZ 85711 – (520) 881-5760 – View Map
- Pacific International Insurance, LLC
2193 N Camino Principal – Tucson, AZ 85715 – (520) 886-3066 – View Map
- Arizona Insurance Clinic
4925 E 5th St Suite # 101 – Tucson, AZ 85711 – (520) 323-6887 – View Map
Agents that choose to be exclusive can usually just insure with one company and examples are State Farm, Allstate and AAA. Exclusive agencies are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. These agents receive a lot of sales training on what they offer which helps them sell insurance even at higher premiums. Consumers frequently purchase coverage from exclusives mostly because of the prominence of the brand rather than low price.
The following is a short list of exclusive agents in Tucson that are able to give comparison quotes.
- Allstate Insurance: Mike Brown
3400 E Speedway Blvd Ste 202 – Tucson, AZ 85716 – (520) 318-1775 – View Map
- Rebecca Sanford – State Farm Insurance Agent
5605 E River Rd #211 – Tucson, AZ 85750 – (520) 615-0800 – View Map
- Joe Abong – State Farm Insurance Agent
2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016 – View Map
Picking an insurance agency is decision based upon more than just the bottom line cost. Below are some questions you should ask.
- What discounts might you be missing?
- Do the companies they represent have a solid financial rating?
- What insurance companies do they work with in Tucson?
- Do they have a Better Business Bureau rating in Tucson?
- Can you use your own choice of collision repair facility?
- Can you contact them at any time?
- Is the quote a firm price?
After receiving positive responses to your questions as well as an affordable premium quote, it’s a good possibility that you have found a car insurance agent that meets the requirements to properly service your auto insurance policy.
Consumers switch companies for many reasons like being labeled a high risk driver, policy non-renewal, delays in paying claims and even unfair underwriting practices. Regardless of your reason for switching companies, switching insurance companies can be less work than you think.
In this article, we covered quite a bit of information on how to lower your Toyota 86 insurance car insurance rates in Tucson. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the biggest savings come from some of the smallest insurance companies.
As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. In many cases, someone sacrificed collision coverage and found out when filing a claim that it was a big error on their part. The goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
- Understanding your Policy (NAIC.org)
- Who Has the Cheapest Tucson Car Insurance for Felons? (FAQ)
- Who Has Affordable Car Insurance Quotes for Inexperienced Drivers in Tucson? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Retired Military in Tucson? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Older Driver Statistics (Insurance Information Institute)