Searching for budget quotes online might seem rather challenging for vehicle owners who are new to comparison shopping over the internet. With more and more companies competing online, how can anyone efficiently compare each option to find the best price?

Astonishing but true according to a recent study, most auto insurance buyers renewed their policy with the same company for four years or more, and just under half have never compared auto insurance rates at all. With the average auto insurance premium being $1,600, Arizona drivers could pocket roughly 50% a year just by getting comparison quotes, but most undervalue the rate savings if they bought a different policy.

How to compare Avondale auto insurance quotes

When quoting auto insurance, remember that more quotes helps increase your odds of locating the best offered rates.

The companies shown below can provide comparison quotes in Avondale, AZ. In order to find cheaper car insurance in Arizona, we suggest you visit as many as you can to find the most affordable car insurance rates.

Insurance Rate Estimates for Popular Vehicles in Avondale
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $900 $450 $75
Chevrolet Silverado LS Extended Cab 2WD $882 $441 $74
Dodge Grand Caravan Hero $774 $387 $65
Dodge Ram Crew Cab ST 4WD $1,032 $516 $86
Ford Escape Limited 4WD $994 $497 $83
Ford F-150 SVT Raptor Super Cab 4WD $916 $458 $76
Ford Focus SEL 4-Dr Sedan $1,084 $542 $90
GMC Sierra SL Crew Cab 2WD $1,080 $540 $90
Honda Accord LX 4-Dr Sedan $1,008 $504 $84
Honda CR-V EX 4WD $892 $446 $74
Honda Civic EX 4-Dr Sedan $1,044 $522 $87
Hyundai Elantra GLS 4-Dr Sedan $750 $375 $63
Hyundai Sonata SE 4-Dr Sedan $892 $446 $74
Jeep Grand Cherokee SRT-8 4WD $986 $493 $82
Mazda 3 S Sport 4-Dr Hatchback $1,086 $543 $91
Nissan Altima 3.5 SR 4-Dr Sedan $1,158 $579 $97
Toyota Camry LE $790 $395 $66
Toyota Corolla LE $1,258 $629 $105
Get Your Own Custom Quote Go

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates greatly.

Should you raise deductibles?

The chart below demonstrates how deductible levels and can affect Ford Fusion annual premium costs for different age categories. The data is based on a married female driver, comp and collision included, and no additional discounts are factored in.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Insurance just makes sense

Even though it can be expensive, paying for insurance is most likely required but also gives you several important benefits.

First, almost all states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance coverage if you drive a vehicle. 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.

Second, if your vehicle has a lienholder, it's guaranteed your bank will force you to have comprehensive coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your vehicle at a much higher rate and make you pay much more than you were paying before.

Third, insurance preserves both your assets and your vehicle. It will also provide coverage for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of insuring your car outweigh the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $865 each year so you should quote rates each time the policy renews to save money.

Cut your auto insurance rates with discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that could drop your premiums quite a bit. Some trigger automatically at quote time, but some discounts are required to be inquired about before you will receive the discount.Discount auto insurance

You can save money using discounts, but some of the credits will not apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way.

A list of companies and some of their more popular discounts are shown below.

Before purchasing a policy, check with every company which discounts can lower your rates. Savings may not be offered in Avondale.

You are unique and your insurance should be too

Always remember that when buying proper insurance coverage, there is no "perfect" insurance plan. Everyone's situation is unique and your insurance should unique, too.Insurance savings These are some specific questions could help you determine if your situation would benefit from an agent's advice.

If you can't answer these questions but a few of them apply then you might want to talk to an agent. If you don't have a local agent, complete this form or click here for a list of insurance companies in your area.

You can find affordable coverage

When searching for cheaper Avondale auto insurance quotes, never skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced physical damage coverage only to regret at claim time that it was a big error on their part. Your goal should be to buy enough coverage at the best possible price, but do not skimp to save money.

Discount auto insurance in Avondale is definitely available online in addition to many Avondale insurance agents, and you need to price shop both to have the best selection. A few companies may not provide the ability to get a quote online and these small insurance companies prefer to sell through local independent agencies.

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