How many times have you told yourself to find more affordable auto insurance rates in Apache Junction, AZ? Finding the cheapest insurance for your car in Arizona could be difficult, but you can learn the following methods to find lower rates.
There are more efficient ways to shop for auto insurance and we'll show you the proper way to price shop coverage on a and find the cheapest rates from both online companies and Apache Junction agents.
If you have a current auto insurance policy or just want cheaper coverage, take advantage of these tips to find the best rates and still have adequate protection. Shopping for the cheapest auto insurance in Apache Junction is quite easy. Comparison shoppers just have to understand the quickest method to quote multiple rates online.
Most major insurance companies such as State Farm, Allstate and GEICO provide insurance quotes directly from their websites. Getting online quotes is pretty painless because it's just a matter of typing in your required coverages into the quote form. Upon sending the form, the system will order reports for credit and driving violations and returns a price based on these factors.
Getting online rates makes it easy to compare insurance prices and it's absolutely necessary to have as many quotes as possible if you are searching for the best possible rates on insurance.
To compare pricing, consider comparing rates from the companies shown below. If you have coverage now, it's recommended you copy the insurance coverages as close as possible to your current policy. Doing this assures you will have a fair comparison for exact coverage.
The providers in the list below are our best choices to provide free rate quotes in Apache Junction, AZ. If you wish to find cheap car insurance in Arizona, it's a good idea that you visit as many as you can to get the most competitive price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LS Extended Cab 4WD||$824||$412||$69|
|Dodge Grand Caravan Crew||$1,062||$531||$89|
|Dodge Ram Crew Cab TRX 2WD||$1,144||$572||$95|
|Ford Edge Limited 2WD||$778||$389||$65|
|Ford Escape XLT 2WD||$868||$434||$72|
|Ford F-150 FX4 4WD||$838||$419||$70|
|Ford Focus SES 4-Dr Sedan||$736||$368||$61|
|Honda Accord LX 4-Dr Sedan||$590||$295||$49|
|Honda CR-V EX-L 2WD||$926||$463||$77|
|Honda Civic SI 4-Dr Sedan||$788||$394||$66|
|Nissan Altima 2.5 S 4-Dr Sedan||$814||$407||$68|
|Toyota Camry Hybrid||$816||$408||$68|
|Toyota Corolla XRS||$1,012||$506||$84|
|Volkswagen Jetta 2.0T Station Wagon||$1,158||$579||$97|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Table data does not factor in vehicle location which can raise or lower premium rates substantially.
Should you raise deductibles?
The illustration below illustrates how choosing a deductible and can influence Honda Pilot insurance costs for different age groups. The prices are based on a married male driver, full physical damage coverage, and no discounts are factored in.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
Rate comparison for different deductibles
The hardest decision when buying coverage is how low should you set your deductibles. The comparisons below can help illustrate the premium difference when you buy lower versus higher physical damage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price chart uses a $1,000 deductible.
Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$258||$466||$300||$18||$90||$1,157||$96|
|Altima 2.5 S 4-Dr Sedan||$258||$548||$300||$18||$90||$1,239||$103|
|Altima Hybrid 4-Dr Sedan||$292||$548||$300||$18||$90||$1,273||$106|
|Altima 2.5 S 2-Dr Coupe||$292||$548||$338||$20||$102||$1,325||$110|
|Altima 3.5 SR 4-Dr Sedan||$292||$548||$300||$18||$90||$1,273||$106|
|Altima 3.5 SR 2-Dr Coupe||$292||$632||$338||$20||$102||$1,409||$117|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$144||$246||$300||$18||$90||$798||$67|
|Altima 2.5 S 4-Dr Sedan||$144||$290||$300||$18||$90||$842||$70|
|Altima Hybrid 4-Dr Sedan||$162||$290||$300||$18||$90||$860||$72|
|Altima 2.5 S 2-Dr Coupe||$162||$290||$338||$20||$102||$912||$76|
|Altima 3.5 SR 4-Dr Sedan||$162||$290||$300||$18||$90||$860||$72|
|Altima 3.5 SR 2-Dr Coupe||$162||$334||$338||$20||$102||$956||$80|
|Get a Quote for Your Vehicle Go|
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in specific location information which can revise rates substantially.
Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $33 more each month or $396 each year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 27 months between claims, you would probably come out ahead if you elect the higher deductible.
Full coverage rates compared to liability only
The chart below shows the difference between Toyota Camry premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no claims or violations, $100 deductibles, single female driver, and no discounts are applied to the premium.
Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.
Are you wasting money on full coverage?
There is no definitive formula to drop physical damage coverage on your policy, but there is a general convention. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let's assume your Toyota Camry settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $2,000 after paying your deductible. If it's costing you more than $200 annually for physical damage coverage, then it's probably a good time to buy liability coverage only.
There are some situations where buying only liability insurance is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Car insurance policy discounts you can't miss
Some insurers don't always publicize all possible discounts in a way that's easy to find, so the list below contains both the well known and the more hidden discounts that you may qualify for. If you aren't receiving every discount you qualify for, you are throwing money away.
- Renewal Discounts - A few larger companies give discounts for switching to them early. You can save around 10% with this discount.
- Student Discount for Driver Training - Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.
- Apache Junction Homeowners Pay Less - Just being a homeowner can save you money because maintaining a house means you have a higher level of financial diligence.
- Pay Early and Save - By paying your entire bill at once instead of making monthly payments you can avoid the installment charge.
- Anti-theft Discount - Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft so companies will give you a small discount.
You can save money using discounts, but many deductions do not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, it doesn't quite work that way.
Some of the insurance companies that may offer policyholders some of the discounts shown above possibly include:
Before you buy a policy, ask every company to apply every possible discount. A few discounts may not be available in Apache Junction. If you would like to choose from a list of insurers that offer the discounts shown above in Apache Junction, click here.
Three good reasons to insure your vehicle
Even though it's not necessarily cheap to insure a vehicle in Apache Junction, maintaining insurance is required for several reasons.
- Most states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability protection in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your vehicle, it's guaranteed your bank will make it a condition of the loan that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank will be required to insure your vehicle at a much higher premium rate and force you to reimburse them for the expensive policy.
- Insurance protects both your assets and your vehicle. Insurance will also pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle gets damaged, comprehensive and collision coverage will cover the repair costs.
The benefits of buying enough insurance are definitely more than the cost, particularly if you ever have a claim. The average driver in Arizona is overpaying more than $869 every year so it's important to compare rates every year to ensure rates are competitive.
Insurance agents can help
When it comes to choosing coverage for your vehicles, there really isn't a "best" method to buy coverage. You are unique.
Here are some questions about coverages that may help highlight whether your personal situation could use an agent's help.
- Should I carry comprehensive and collision coverage?
- Where can I get insurance after a DUI in Arizona?
- What is high-risk coverage and where do I buy it?
- Is my custom stereo system covered?
- Who is covered when they drive my vehicle?
- Do I need PIP coverage since I have good health insurance?
- What states are considered no-fault?
- Who is covered by my policy?
- What is an SR-22 filing?
If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.
Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.
Uninsured or underinsured coverage - This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your vehicle.
Because many people carry very low liability coverage limits (which is 15/30/10), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these coverages are identical to your policy's liability coverage.
Comprehensive protection - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, vandalism and hitting a deer. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Coverage for liability - This coverage will cover injuries or damage you cause to people or other property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 15/30/10 that means you have $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability insurance covers things like legal defense fees, bail bonds, repair bills for other people's vehicles, loss of income and emergency aid. How much coverage you buy is up to you, but buy as large an amount as possible. Arizona state law requires minimum liability limits of 15/30/10 but it's recommended drivers buy better liability coverage.
Medical expense coverage - Med pay and PIP coverage kick in for short-term medical expenses for things like chiropractic care, prosthetic devices, hospital visits, EMT expenses and dental work. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Collision - Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers things like crashing into a ditch, sustaining damage from a pot hole, backing into a parked car, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to choose a higher deductible to bring the cost down.