Content Top

Shaking hands in front of carArizona ranks high in the list of states that have the most expensive auto insurance rates, and with over 3.3 million insured cars, it’s important to learn how you can trim your premium down to a more manageable price. There are ways for everyone to save money, even high risk drivers. Seeking the assistance of an independent agent is the first step.

Independent agents work with a vast web of trusted insurance companies in order to find you the best policy for the lowest price. They are able to shop for quotes on your behalf in the time it would take you to get one quote from one company. By calling your local agent, you’re already taking steps toward saving money.

Next, let’s look at deductibles. Your deductible is the amount you’ll be expected to pay when filing a claim. Your insurer then pays the rest of the costs associated with a covered incident (up to policy limits). It’s recommended that you set your deductible at the highest price you could afford to pay at any given time because if you raise your deductible, your monthly premium often decreases. You can also set different deductibles for your different coverages, such as a $500 deductible on comprehensive claims and a $250 deductible on collision claims.

Each year, take a moment to review your policy rather than automatically renewing. First of all, you may be able to find a better deal with another insurer, which your agent can help you with. But also, as your car ages, you may not need the same coverage as before. Cars depreciate in value over the years and though that law requires that you purchase liability coverage, you may not need collision or comprehensive coverage if the cost of insurance exceeds the cost of repairing or replacing the car out-of-pocket. Keep in mind that insurance premiums typically rise after making a claim, and it can sometimes be cheaper to make repairs on older cars without the help of an insurer.

Lastly, many insurance companies offer an assortment of discounts that you may qualify for. Ask your agent about good driver, multi-policy, senior, good student, military personnel, educator and federal employee discounts to see if you can save even more money every month.

Good coverage doesn’t have to be expensive. Call Insurance Beacon at (623) 584-0071 for more information on Surprise AZ car insurance.
Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2015
  • 2014
  • 2013

View Mobile Version

Social  Social  Social  Social  Social


Christian Business Referrals
Contact Us
About Us
Our Staff
Our Community
Why Insurance Beacon?
Our Carriers/Partners
Awards & Recognition
Trusted Choice
Car Insurance
Life Insurance
Small Business
Other Insurances
Customer Service
Report a Claim
Pay Your Bill
Request a Quote
Contact Us

15270 W Brookside Ln, Suite125 Surprise, AZ 85374
Phone: 623.584.0071

2000 W Wickenburg Way, Suite 400 Wickenburg, AZ 85390
Phone: 928.684.2121

Social  Social  Social  Social  Social Social

Powered by Insurance Website Builder