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If you live in Phoenix and want to save on car insurance there are a few things you can do. Here are some tips.
Car insurance rates for Phoenix drivers, and other drivers in Arizona may be a little higher than other parts of the country but are still competitive. The key to saving is to take some time and get some comparison quotes. This is because rates can vary from one company to the next. An easy way to do this is online.
First, gather some information about your desired coverages and deductibles. You want to provide the same information for each quote in order to get an apples-to-apples comparison. One way to do this is to get your existing Arizona auto insurance policy out. Or, write down on a piece of paper the limits of coverage, deductibles, car make and model information and drivers license numbers.
Also, keep in mind the minimum requirements for coverage by Arizona law:
Bodily Injury. Minimum of $15,000 per person and $30,000 per accident.
Property Damage. Minimum of $10,000 per accident.
These are the minimums and you may want to increase those for added peace of mind. Unfortunately, there are also quite a few underinsured and uninsured drivers in Phoenix so you might want to add those coverages.
Then go online and either visit individual insurance company Web sites and request quotes, or go to an insurance quote comparison Web site. These sites gather quotes from several different insurance agents or companies so you only have to enter your information once.
You can also save money by raising your deductibles. This can lower your premium quite a bit. And take advantage of discounts. For example, if you insure your home and auto with the same company you typically get a discount on your premium -- up to five percent sometimes. If you a have a teen driver or college student driver, you may qualify for a good student discount. Senior drivers in Arizona may qualify for a senior driver discount with some companies. Make sure to check all the discounts available when you get your quotes.
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