Do you want a faster way to compare low-cost auto insurance rates in Marana, AZ? Trying to come up with a payment for pricey auto insurance can consume your monthly budget and put the squeeze on your family's finances.

A recent survey discovered that almost 70% of drivers have purchased from the same company for more than four years, and just short of a majority have never even shopped around for cheap coverage. Many drivers in Arizona could save themselves approximately $733 a year by just comparing quotes, but they just don't understand the benefits if they switched to a cheaper policy.

Due to the large number of different company options, it can be hard to find the most affordable company.

Save money by taking advantage of discounts

The price of auto insurance can be rather high, but there may be some discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time of quoting, but less common discounts must be asked for prior to receiving the credit. If you're not getting every credit you deserve, you're just leaving money on the table.Auto insurance discounts

Discounts lower rates, but most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, companies wouldn't make money that way.

A list of companies and a selection of discounts are:

When quoting, ask each company what discounts are available to you. Depending on the company, some discounts may not be offered in Marana. To find providers with the best discounts in Marana, click here.

The method we recommend to compare policy rates is to understand almost all companies have advanced systems to compare their rates. To begin a comparison, all you need to do is take a few minutes to give details like driver ages, if it has an alarm system, how much you drive, and how much education you have. Your details is submitted instantly to many highly-rated insurers and they return rate quotes immediately.

To compare rates now, click here then complete the form.

The auto insurance companies shown below can provide comparison quotes in Arizona. To get cheaper car insurance in Arizona, we suggest you visit as many as you can to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in Marana
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,044 $522 $87
Chevrolet Silverado LS Regular Cab 2WD $772 $386 $64
Dodge Ram Crew Cab Sport 4WD $1,246 $623 $104
Ford Edge Limited AWD $1,004 $502 $84
Ford Escape XLS 2WD $590 $295 $49
Ford Explorer Eddie Bauer 2WD $990 $495 $83
Ford F-150 Lariat King Ranch 2WD $882 $441 $74
Ford Focus SE 4-Dr Sedan $1,000 $500 $83
Honda Accord EX-L 2-Dr Coupe $1,360 $680 $113
Honda CR-V LX 2WD $900 $450 $75
Honda Civic DX 4-Dr Sedan $758 $379 $63
Hyundai Elantra SE Touring Station Wagon $840 $420 $70
Kia Optima SX $1,368 $684 $114
Mazda 3 I Touring 4-Dr Sedan $1,102 $551 $92
Nissan Altima 2.5 4-Dr Sedan $1,188 $594 $99
Toyota Camry Hybrid $886 $443 $74
Toyota Corolla LE $988 $494 $82
Toyota Tacoma 2WD $778 $389 $65
Get Your Own Custom Quote Go

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in garaging location in Marana which can decrease or increase coverage prices noticeably.

How accidents and violations affect rates in Marana

The example below demonstrates how traffic citations and accidents can influence Ford F-150 car insurance rates for different age groups. The prices are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Rate comparison of full coverage and liability-only

The example below visualizes the comparison of Ford Fusion insurance rates with full physical damage coverage and with liability coverage only. The price estimates are based on no claims or violations, $250 deductibles, single male driver, and no discounts are taken into consideration.

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

When to switch to liability coverage only

There is no definitive rule to eliminate full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's say your Ford Fusion settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying your policy deductible. If it's costing in excess of $700 annually for full coverage, then you may need to consider dropping full coverage.

There are some conditions where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Claim statistics by make and model

Are you driving a vehicle that ranks high in claims? The data below list the highest and lowest cars and trucks for the probability of having claims for each type of coverage.

Liability Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Chevrolet Corvette Chevrolet Sonic
Subaru Outback Chevrolet Impala
Mercedes-Benz SL Class Kia Rio
Volvo XC60 Chevrolet Cruze
Audi A6 Hyndai Accent
Fiat 500 Dodge Charger

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Collision Claims
Lowest Claims Highest Claims
Chevrolet Colorado Maserati Ghibli
Ford F-250 SuperCab BMW 6 Series
Mini Cooper Maserati Granturismo
GMC Canyon Bently Continental GTC
Nissan Xterra Ferrari 458
Jeep Wrangler Audi RS7

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto Insurance Comprehensive Claims by Manufacturer Model
Lowest Claims Highest Claims
Smart ForTwo BMW M6
GMC Sierra 2500 Audi S7
Infiniti QX50 Porsche Panamera GTS
Nissan Xterra Bentley Continental GTC
Ford F-350 Mercedes-Benz S Class
Chevy Silverado 2500 Maserati Granturismo

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Audi A4 Allroad Chrysler 200
Land Rover Range Rover Sport Chevrolet Sonic
Chevrolet Silverado 2500 Mitsubishi Mirage
Chevrolet Corvette Kia Forte
Ford F-250 SuperCrew Hyundai Accent
Ford Expedition Mitsubishi Lancer

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheaper insurance is out there

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are a lot of situations where an insured cut full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at the best possible price.

Some insurance companies do not offer the ability to get quotes online and most of the time these small insurance companies only sell coverage through independent agencies. Lower-priced insurance in Marana is possible both online and with local Marana insurance agents, and you should be comparing both to have the best chance of lowering rates.

Throughout this article, we presented some good ideas how to lower your insurance premium rates in Marana. The key concept to understand is the more times you quote, the better chance you'll have of finding the cheapest Marana car insurance quotes. Consumers could even find that the best premium rates are with a small local company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

Additional detailed information can be read in the articles below: