Searching for auto insurance policies probably isn’t exactly up toward the top of your list of favorite tasks. Call it a necessary evil, or just another one of those inevitable errands, finding just the right car insurance policy for you can be frustrating, but it doesn’t have to be. These tips will help you compare auto insurance rates in Surprise, AZ to find the best deal.
1. Try bundling services.
If you’ve already purchased home insurance or another type of insurance from an independent agent, sometimes your best bet is to check auto insurance rates from the same company. On the other hand, if you’re starting from scratch, try contacting your local independent insurance agent about purchasing auto insurance as well as home or RV insurance at the same time; chances are good your premiums will be lower when you put it all together.
2. Compare quotes.
As an independent insurance agency in the Maricopa County area, we work with a variety of different insurance companies, so you can easily compare quotes online or contact one of our agents to get quotes that will help you find the best deal.
3. Look at more than the numbers.
It can be tempting to go with the cheapest policy out there, but don’t be fooled by low numbers. Take into account exactly what your policy does and doesn’t cover; often the lowest monthly rates go hand-in-hand with high deductibles. It’s smart to invest in more than the minimum Arizona state coverage. Collision policies and uninsured driver coverage can save you thousands if an accident happens.
For answers to your questions about car insurance, or just to talk to a local independent agent about your options, feel free to contact us and we’ll do whatever we can to get you solid answers.
Reducing the cost of your auto insurance coverage can seem challenging, but there are discounts that can help you save on your current policy. The auto insurance discounts that are available can vary based on the insurer, but there are some options that many insurers offer. An auto insurance agency can help you find discounts that may apply to your specific coverage and the insurance provider.
Good Grade Discounts
The cost of coverage for a teenager is traditionally higher than average because of the limited experience behind the wheel. Fortunately, high school students and college students can obtain a good student discount for maintaining good grades in school.
Since good grades in school suggest that an individual is responsible, discounts can sometimes be applied to an account.
Discounts for Multiple Insurance
Insuring more than one vehicle with the same insurance provider may result in a reduced rate for both cars. The discount can also apply if another asset is insured with the same provider, such as a house or a boat.
Defensive Driving Course
Taking a defensive driving course, or a driver safety course, may result in a reduced rate. The discount that is available for the vehicle can vary, but many insurance providers will offer a reduced rate after the course is completed and proof of completion is provided.
Putting in anti-theft precautions or additional safety features can sometimes result in savings on the current premium. Some insurers may not offer discounts for certain safety precautions, so it is important to determine the options that can result in a discount before taking any measures.
Cutting back on the price of auto insurance is not difficult when you have applied discounts to the account. To learn more about discounts that are available, contact us to talk to an agent today.