How to Compare Tucson Saturn Outlook Insurance

Sick and tired of being strong-armed to make your auto insurance payment? You are no different than most other consumers in Arizona.

It’s shocking but a large majority of consumers kept their policy with the same company for at least the last four years, and nearly the majority have never shopped around. With the average auto insurance premium being $1,600, Tucson drivers could save up to 50% every year by just shopping around, but most undervalue the benefits if they swap their current policy for a cheaper one.

Steps to finding lower priced Saturn Outlook insurance in Tucson

The preferred way to find cheaper prices for car insurance rates in Tucson is to annually compare prices from providers who provide auto insurance in Arizona. You can compare prices by following these steps.

First, spend a few minutes and learn about policy coverages and the changes you can make to keep rates down. Many things that are responsible for high rates like accidents, traffic violations, and a low credit rating can be amended by making minor driving habit or lifestyle changes. Later in this article we will cover the details to get low prices and find missing discounts.

Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Allstate, while independent agents can quote prices for many different companies.

Third, compare the new quotes to your existing policy to determine if switching companies saves money. If you find a lower rate quote and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, notify your current company to cancel the current policy and submit a down payment along with a completed application for your new coverage. Make sure you keep your new certificate verifying coverage in an easily accessible location.

The key thing to remember is to use the same coverage limits and deductibles on every price quote and and to get price quotes from every insurance company. This ensures a fair price comparison and the best price selection.

Consumers have so many insurers to purchase coverage from, and even though it’s nice to be able to choose, it makes it harder to compare rates and cut insurance costs.

The purpose of this article is to introduce you to the most effective ways to compare rates and some money-saving tips. If you already have coverage, you stand a good chance to be able to cut your premiums using the ideas you’re about to read. But Arizona car owners can benefit from knowing how big insurance companies charge you for coverage and use it to find better rates.

Car insurance statistics for a Saturn Outlook

The table shown next outlines estimates of coverage costs for Saturn Outlook models. Having insight into how insurance policy rates are calculated can be useful when making informed decisions when shopping around for a new policy.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase premium rates significantly.

Where to set your deductibles

One common question asked by Tucson drivers is how high should the physical damage coverage deductibles be. The figures shown below show how much more you’ll pay between low and high insurance deductibles. The first pricing table uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in vehicle location which can revise prices greatly.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $25 more each month or $300 every year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you average more than 30 months between claims, you would more than likely save some money by going with a higher deductible.

The chart below shows how choosing a deductible and can change Saturn Outlook insurance costs for each age group. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are applied.

Lower-cost Saturn Outlook insurance in Tucson

Car insurance is not cheap, but you might find some hidden discounts that can drop the cost substantially. Many discounts should be triggered when you get a quote, but once in a while a discount must be manually applied before they will apply.

• Telematics Data – Insureds that choose to allow their company to study their driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot could save a few bucks if they show good driving skills.
• Senior Citizen Discount – Mature drivers can get a small discount on rates.
• Good Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
• Discount for Low Mileage – Fewer annual miles on your Saturn could qualify for slightly better prices than normal.
• Theft Deterrent – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you can avoid the installment charge.
• Safety Restraint Discount – Drivers who require all occupants to use a seat belt can save a little off PIP or medical payments premium.
• Life Insurance – Some companies give a break if you buy some life insurance in addition to your auto policy.

It’s important to understand that most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, nobody gets a free ride. But all discounts will reduce your overall bill.

The chart below visualizes the comparison of Saturn Outlook insurance premiums with and without discounts applied to the rates. The data is based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, marriage, claim-free, and homeowner discounts applied.

If you would like to see a list of auto insurance companies who offer free Saturn Outlook insurance quotes in Tucson, click this link.

Insurance specifics

Learning about specific coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, theft, a tree branch falling on your vehicle and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Saturn Outlook.

Due to the fact that many Arizona drivers only purchase the least amount of liability that is required (Arizona limits are 15/30/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible on your Outlook in order to get cheaper collision rates.

Liability car insurance – This coverage provides protection from damage that occurs to people or other property by causing an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 15/30/10 which means $15,000 bodily injury coverage, $30,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as bail bonds, repair costs for stationary objects and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but you should consider buying more liability than the minimum.

The illustration below shows why buying low liability limits may not be adequate coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like X-ray expenses, prosthetic devices, funeral costs and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Arizona car insurance companies ranked

Choosing the right auto insurance provider is hard considering how many choices drivers have in Arizona. The ranking data below can help you select which auto insurance companies to look at when looking for cheaper rates.

Top 10 Tucson Car Insurance Companies Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Liberty Mutual
6. Progressive
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Top 10 Tucson Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. Mercury Insurance
7. AAA Insurance
8. State Farm
9. Nationwide
10. Safeco

The best rates come from being thorough

While you’re price shopping online, do not reduce needed coverages to save money. Too many times, someone dropped liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best price and still be able to protect your assets.

A few companies may not offer online rate quotes and these smaller companies only sell coverage through independent insurance agents. Lower-priced Saturn Outlook insurance in Tucson can be sourced on the web in addition to many Tucson insurance agents, so you need to compare both so you have a total pricing picture.

How to find cheaper rates for Saturn Outlook insurance in Tucson

If you want to save money, the best way to find lower priced car insurance rates in Tucson is to annually compare prices from insurance carriers who provide auto insurance in Arizona. You can compare rates by following these steps.

• Step 1: It will benefit you to learn about how car insurance works and the factors you can control to prevent high rates. Many rating criteria that increase rates such as careless driving and an imperfect credit rating can be remedied by paying attention to minor details.
• Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or Farmers Insurance, while agents who are independent can quote rates from many different companies. View rates
• Step 3: Compare the quotes to your current policy premium and determine if there is any savings. If you can save some money and buy the policy, ensure coverage does not lapse between policies.
• Step 4: Provide notification to your current agent or company of your decision to cancel your current coverage. Submit a down payment along with a completed application to your new agent or company. Once coverage is bound, place the new proof of insurance paperwork in an accessible location in your vehicle.

One important bit of advice is that you’ll want to compare the same amount of coverage on each quote and and to analyze every insurance company. Doing this guarantees an apples-to-apples comparison and a complete price analysis.

Much more information about auto insurance in Arizona can be read at these links:

• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Who Has Affordable Auto Insurance Rates for Infrequent Drivers in Tucson? (FAQ)
• What Auto Insurance is Cheapest with Multiple Speeding Tickets in Tucson? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Retired Military in Tucson? (FAQ)
• What Car Insurance is Cheapest for 19 Year Olds in Tucson? (FAQ)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Auto Insurance Learning Center (State Farm)