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Arizona auto insurance is not cheap

Arizona ranked as the thirteenth most expensive state for auto insurance during the years 1999 to 2003. With insurance average insurance premiums rising to $920.38 in the year 2003 that is nearly a 5% increase from the previous year. If these trends keep up the average for 2005 premiums paid will be about $1014.00.

With more than 3.3 million cars insured privately in Arizona there is plenty of opportunity to shop around and try to decrease what you are spending for car insurance. Even with high risk drivers saving money on auto insurance is quite easy.

Where do I start saving money on car insurance?

The first place to look to save money is with the deductible. Many don’t know that deductibles can vary with each form of insurance coverage that is offered. You may have $250 deductible on comprehensive claims and a $500 deductible on the collision claims. Raising these deductibles can save money every month. Before increasing the deductibles compare what the savings are per month with what you would pay in the case of damage or an accident.

Many people do not change their insurance policy as their car ages. The fact that your car depreciates so quickly can allow you to save money on auto insurance. If your $30,000 car is now worth $5,000 then full collision coverage may not be that beneficial considering that you would pay more to insure the vehicle after a claim than you would to just pay any claim out of pocket. Remember after a claim insurance rates are increased and this makes many small claims cheaper to pay for rather than file a claim with an insurance company. Since these small claims may be paid for out of pocket decreasing your coverage can save a lot of money every month.

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Rental cars are a convenient way to vacation, do business, or get around while your own vehicle is being serviced. However, research and advance planning can pay off in big savings if you take the time to consider the following when evaluating that next special offer:

1. This Car Fits Me Fine.
The temptation to try out that full-sized vehicle can also cost a full-sized budget. Tailor your needs to fit the number of people and belongings for your excursion. Sometimes the adage about “less is more” can suit (and fit) you quite well in both space and pocket.

2. Does This Car Look Good On Me?
The question should be, does it really matter? Although car rental companies can sometimes make seeming lucrative offers for larger vehicles, more car usually means more money. Unless this is deemed necessary, think economically in favor of putting that extra cash towards your trip instead.

3. …But Sometimes, More Means Less
As with many services, the more you buy, the better the discount. Although by no means an absolute, in many cases, the per-day fee breakdown will amount to less than the daily rate when renting a car for a full week. However, reference the company’s policy on early return in order to assure that there are no hidden penalties for last minute changes of plans.

4. You’re Worth The Competition
Unless there is only one car rental company in town, most are vying for your business. As such, compare the various deals, discounts and offers to be found through their respective marketing sources such as web pages, newspapers, direct mail, or just call around and have them each quote you directly. While many secondary companies or websites such as those for travel and hospitality may offer specials or coupons, the best rates in town are sometimes found directly with the rental companies themselves.

5. One-Stop Shopping
Sometimes, an entire trip can be planned in just a few quick steps. Book your hotel, flight, and car rental through an all-in-one package deal for added convenience and further relief to your bank account. While these types of offers abound in the travel and leisure industry, not all are necessarily always going to give you a true “bang for your buck”. Draft an overall expense estimate comparing the package to “building” your vacation or business trip in separate pieces. Whichever way is more economical is the appropriate one for you. NOTE: Don’t forget to figure in “hidden expenses” not covered, such as alcoholic beverages, certain meals, and those must-have souvenirs!

6. Be Covered
Car rental companies offer their own insurance agreements. However, many people will waive this in favor of allowing their own auto insurance to cover the rental vehicle. Contact your agent to verify your policy standards, and also to inquire about any discounts they also may offer. Although assuming personal responsibility for rental insurance coverage can save you some money at the outset, bear in mind that the extra $10-30 for the rental provision in most cases completely absolves you from all responsibility on the occasion of accidents or damage. Sometimes it is money well spent to avoid your insurance provider and you from having to pursue a claim on your own behalf.

7. Is My Credit Card All It Can Be?
Are you using your credit card to its full advantage? A good number of credit cards contain various bonus point and discount offers for car rentals and insurance. Look to their website or call a representative directly to find out the benefits if you are unsure.

8. I’m A Member
Various organizations provide incentives for car rentals as benefits to being a member. Beyond roadside assistance, unions, professional or social groups, among many others, sometimes offer direct discounts.

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Did you know it’s illegal in all fifty states to operate a motor vehicle without liability insurance? Unfortunately, the price of this coverage can sometimes put it out of many people’s budgets. There are a few things you should know about how the prices for auto coverage are figures and how you can help lower your premiums.

#1 You Have a Moving Violation

Even one speeding ticket can affect your premiums for years to come – as many as five years! By the time the ticket comes off your driving record, you could have already spent thousands more than someone without that conviction. The best thing is obviously to avoid getting the ticket. However, if you do receive a ticket, then you should consider hiring an attorney to get it dropped down to a nonmoving violation.

In the event the ticket was related to a DUI, then you’re going to be required to carry SR-22 coverage, which is for high risk drivers. This is exceptionally expensive. It really does pay to not drink and drive!

#2 You Have a High Performance Car

Everyone knows that the faster cars cost more to insure. If you do have some blemishes on your driving record, then you may want to drive a vehicle that doesn’t fall into the high performance category. Additionally, if you have a vehicle that has aftermarket parts, you will pay more, too. You might see a savings if you garage your vehicle or if you have an anti-theft system installed.

#3 You Have Teenage Drivers

Teens are the most expensive group to insure, especially males. Typically, they are more likely to have an accident that was caused by their actions. There are discounts available for safe driving courses, good grades, and other responsible behaviors. If your teen has a tendency to speed, hotrod, or for other unsafe driving actions, then it’s time they understood just how expensive their insurance is. Perhaps it’s time they foot the bill themselves!

In Closing

There are several other reasons why you may be paying too much for your car insurance. Speak with your agent to see if there may be additional discounts that you weren’t aware of. These might include placing your homeowners and auto coverage with the same company, safety features, such as anti-lock brakes and daytime running lights, raising your deductible amounts, or even limiting who drives your vehicle. While you certainly don’t want to drive with this coverage, there are steps to take to make sure you pay the lowest price possible.

Finally! One place for all the information you need in order to find cheap young drivers car insurance! Everyone knows that these are the most expensive to get coverage for, but there are secrets you need to know in order to save money. Learn where to find cheap young drivers car insurance today!

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