Expensive auto insurance in Florence can take a big chunk out of your checking account and force you to make sacrifices. Comparison shopping is recommended to slash your bill and have more diposable income.
A recent auto insurance study revealed that over 70% of Arizona drivers have purchased from the same company for over three years, and nearly 40% of drivers have never compared rates from other carriers. U.S. insurance shoppers can save almost $859 each year just by shopping around, but they don't know how much money they would save if they switched. You have so many insurers to purchase coverage from, and even though it's nice to have multiple companies, more options can take longer to adequately compare rates.
The cheapest Florence car insurance
Most of the larger companies like Progressive, Allstate and GEICO make it easy to get coverage price quotes on their websites. The process doesn't take much effort as all you need to do is type in your required coverages into a form. After the form is submitted, their system collects your credit score and driving record and gives you a price quote. This simplifies rate comparisons, and it's also necessary to have as many quotes as possible if you want to get the most affordable premium possible.
If you want to compare pricing, check out the car insurance providers below. If you have your current policy handy, we recommend you type in the coverage information as shown on your current policy. Doing this assures you are getting rate comparison quotes for similar coverage.
The companies in the list below provide free rate quotes in Arizona. If you want to find cheaper car insurance in Arizona, we recommend you visit as many as you can to get the most affordable price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LT 2WD||$896||$448||$75|
|Chevrolet Malibu LTZ||$1,300||$650||$108|
|Chevrolet Silverado LTZ Crew Cab 2WD||$886||$443||$74|
|Dodge Ram Crew Cab Laramie 2WD||$1,098||$549||$92|
|Ford Escape Limited 4WD||$994||$497||$83|
|Ford Explorer Eddie Bauer 2WD||$1,006||$503||$84|
|Ford F-150 Lariat King Ranch 2WD||$1,158||$579||$97|
|Ford Focus SEL 4-Dr Sedan||$1,078||$539||$90|
|Honda Accord LX-P 4-Dr Sedan||$800||$400||$67|
|Honda CR-V LX 2WD||$762||$381||$64|
|Honda Civic EX 2-Dr Coupe||$1,450||$725||$121|
|Hyundai Elantra GLS Touring Station Wagon||$744||$372||$62|
|Nissan Altima Hybrid 4-Dr Sedan||$764||$382||$64|
|Toyota Camry Hybrid||$1,080||$540||$90|
|Toyota Corolla LE||$932||$466||$78|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in garaging location in Florence which can modify auto insurance rates greatly.
Should you raise deductibles?
One common question asked by Florence drivers is what deductibles to buy. The figures shown below may help you to understand the costs and benefits of buying low and high coverage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.
Ford Escape 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|
|Escape XLS 2WD||$224||$382||$254||$16||$76||$977||$81|
|Escape XLS 4WD||$224||$382||$254||$16||$76||$977||$81|
|Escape XLT 2WD||$224||$382||$254||$16||$76||$977||$81|
|Escape Limited 2WD||$258||$382||$254||$16||$76||$1,011||$84|
|Escape XLT 4WD||$258||$382||$254||$16||$76||$1,011||$84|
|Escape Limited 4WD||$258||$466||$254||$16||$76||$1,095||$91|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$124||$202||$254||$16||$76||$672||$56|
|Escape XLS 4WD||$124||$202||$254||$16||$76||$672||$56|
|Escape XLT 2WD||$124||$202||$254||$16||$76||$672||$56|
|Escape Limited 2WD||$144||$202||$254||$16||$76||$692||$58|
|Escape XLT 4WD||$144||$202||$254||$16||$76||$692||$58|
|Escape Limited 4WD||$144||$246||$254||$16||$76||$736||$61|
|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-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in your specific Florence location which can revise insurance rates substantially.
We can derive from the above data that using a $100 deductible costs an average of $26 more each month or $312 every year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 35 months between claims, you would probably be better off if you elect the higher deductible.
Determine discounts on Florence car insurance
Auto insurance companies don't necessarily list their entire list of discounts in a way that's easy to find, so the list below details some of the more common and the more hidden discounts that may be available.
- Discounts for New Vehicles - Buying a new car instead of a used car can be considerably cheaper compared to insuring an older model.
- College Student Discount - Youth drivers who are enrolled in a college that is more than 100 miles from Florence and do not have access to a covered vehicle may be able to be covered for less.
- Own a Home and Save - Owning a house in Florence can help you save on car insurance because maintaining a house is proof of financial responsibility.
- Payment Method - If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
- Discount for Life Insurance - Larger insurance companies have a discount if you purchase a life policy as well.
A little disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, it just doesn't work that way.
To find providers that offer the discounts shown above in Arizona, click here.
Decisions you make can impact your premiums
Many things are taken into consideration when quoting car insurance. A few of the factors are predictable like your driving record, but some are more obscure like where you live or how safe your car is.
The itemized list below are most of the major factors insurance companies consider when setting your rate level.
Deter car thieves - Driving a car that has a built-in theft deterrent system can help lower your premiums. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop vehicle theft.
Females tend to be lower risk - Statistics demonstrate females are less aggressive when driving. The data does not necessarily mean that women are better drivers. Both sexes cause accidents in similar percentages, but the men have accidents that have higher claims. Men also get more serious tickets like DUI and reckless driving.
Don't cut corners with liability protection - Your policy's liability coverage provides coverage when you are ruled to be at fault for damages caused by your negligence. Liability insurance provides legal defense to defend your case. Liability insurance is quite affordable compared to comp and collision, so do not skimp.
The more you drive the more you pay - The higher the miles on your car each year the more you'll pay to insure your vehicle. A lot of companies charge rates partially by how you use the vehicle. Autos that sit idle most of the time receive better premium rates than those used for commuting. Make sure your insurance coverage shows how each vehicle is driven.
Only buy what you need - There are quite a few optional add-on coverages you can purchase on your insurance policy. Things like coverage for rental cars, towing, and extra life insurance coverage may be costing you every month. They may seem like a good idea when you first buy your policy, but if they're wasting money think about removing them and cutting costs.
Better drivers pay better prices - Good drivers pay lower auto insurance prices compared to bad drivers. Having a single driving citation may cause rates to rise by twenty percent. Drivers with dangerous violations like DUI, reckless driving or excessive speeding are required to submit a SR-22 form with their state's licensing department in order to prevent their license from being revoked.
Insurance quotes from local Florence insurance agents
Certain consumers just want to buy from a licensed agent and doing so can bring peace of mind Most agents are highly skilled in risk management and help you file claims. One of the great benefits of comparing insurance prices online is the fact that drivers can get lower rates but still work with a licensed agent. Supporting neighborhood insurance agencies is important especially in Florence.
To find an agent, once you fill out this form (opens in new window), the coverage information is submitted to local insurance agents who will give you quotes for your insurance coverage. You don't have to contact an agency because quoted prices will be sent immediately to your email address. If for some reason you want to compare rates from one company in particular, feel free to search and find their rate quote page and give them your coverage information.
Choosing the best insurance company is decision based upon more than just the premium amount. Here are some questions you might want to ask.
- Are there any extra charges for paying monthly?
- What is the financial rating for the quoted company?
- Will you work with the agent or an assistant?
- Where would glass claims be handled in Florence?
- Which companies can they place coverage with?
- Does their agency support local causes in Florence?
- How is replacement cost determined on your vehicle?
Don't assume everyone needs the same car insurance coverage
When buying coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.
These are some specific questions can aid in determining if your situation may require specific advice.
- Can I pay claims out-of-pocket if I buy high deductibles?
- Which companies will insure me after a DUI?
- Are split liability limits better than a combined single limit?
- Are there companies who specialize in insuring high-risk drivers?
- Why are teen drivers so expensive to add on to my policy?
- Is my custom stereo system covered?
- What happens if I owe more than my vehicle is worth?
- At what point should I drop full coverage?
If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.
Buyer beware of insurance advertising tricks
Consumers in Arizona constantly see and hear ads that claim the lowest rates by Progressive, Allstate and GEICO. They all seem to try to convey promises about saving some big amount if you switch to them.
How does every company give you a better price on insurance?
Different companies have strict underwriting profiles for the type of driver that earns them a profit. For instance, a desirable risk might have to be between the ages of 30 and 50, has a clear driving record, and has a high credit rating. A customer getting a price quote who fits that profile will get the preferred rates in Florence and is almost guaranteed to save quite a bit of money when switching.
Insureds who fall outside these criteria must pay higher premium rates which usually ends up with the prospect going elsewhere. If you listen to the ad wording, they say "drivers who switch" but not "everyone who gets a quote" can save as much as they claim. This is how companies can truthfully make the claims of big savings.
This illustrates why you absolutely need to compare many company's premium rates. You cannot predict which insurance company will provide you with the cheapest insurance in Florence.
Quote more to save more
Cheaper insurance in Florence is definitely available both online in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get a quote online and these small insurance companies provide coverage only through local independent agents.
We just presented many tips how you can shop for insurance online. The key thing to remember is the more rate quotes you have, the higher your chance of finding low cost Florence auto insurance quotes. You may even discover the lowest premium rates are with a lesser-known regional company.
When getting Florence auto insurance quotes online, it's not a good idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at the best price while not skimping on critical coverages.
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