Are you burned out from not being able to afford to keep your car insured? You are no different than the majority of other vehicle owners in Arizona.

Unthinkable but true, the vast majority of drivers have purchased from the same company for a minimum of four years, and approximately 38% of consumers have never compared rates from other carriers. With the average auto insurance premium being $1,580, Bullhead City drivers could cut their rates by approximately 50% a year by just shopping around, but they don't believe the actual amount they would save if they switch to a new company.

Since vehicle owners have many choices, it can be impossible to choose the most affordable auto insurance company.

It's a good habit to check auto insurance prices once or twice a year since prices are rarely the same from one policy term to another. If you had the lowest rate on auto insurance on your last policy you will most likely find a better premium rate today. There is a lot of bad information regarding auto insurance out there, but by reading this article, you're going to learn some great ideas on how to buy auto insurance cheaper in Bullhead City.

To get inexpensive Bullhead City car insurance quotes, there a variety of ways to obtain and compare prices from many insurance companies in Arizona. The recommended way to find competitive insurance rates is to jump online and get quotes.

It's so fast and easy to compare price quotes online that it makes it a waste of time to make phone calls or go to different agent offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the peace of mind of a local agent. If you prefer, some companies allow you to obtain prices from the web but buy from a local Bullhead City insurance agent. When comparing insurance rates, know that making a lot of price comparisons will increase your chances of finding a better price.

The auto insurance companies shown below can provide free quotes in Bullhead City, AZ. To get the cheapest auto insurance in Arizona, we suggest you visit several of them to find the lowest auto insurance rates.

Insurance Rates for Popular Vehicles in Bullhead City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,062 $531 $89
Chevrolet Silverado LT Extended Cab 4WD $896 $448 $75
Dodge Ram Crew Cab TRX 4WD $956 $478 $80
Ford Escape XLT 2WD $798 $399 $67
Ford Explorer Eddie Bauer AWD $1,196 $598 $100
Ford F-150 STX Super Cab 4WD $920 $460 $77
Ford Focus SES 4-Dr Sedan $1,244 $622 $104
GMC Sierra Denali Crew Cab 2WD $940 $470 $78
Honda Accord LX-S 2-Dr Coupe $1,062 $531 $89
Honda CR-V EX-L 4WD $900 $450 $75
Honda Civic SI 2-Dr Coupe $1,208 $604 $101
Hyundai Elantra Blue 4-Dr Sedan $1,188 $594 $99
Nissan Altima Hybrid 4-Dr Sedan $1,406 $703 $117
Toyota Camry SE $1,246 $623 $104
Toyota Corolla XLE $842 $421 $70
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $964 $482 $80
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate information does not factor in specific location which can impact coverage prices substantially.

Physical damage deductibles: Should you raise them?

The chart below illustrates how choosing a deductible and can affect Chevrolet Tahoe insurance costs for different age groups. The information is based on a single female driver, full coverage, and no policy discounts are applied.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

Rate comparison for different deductibles

One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The following tables outline the rate difference when you buy lower versus higher policy deductibles. The first rate quote example uses a $250 deductible and the second set of rates uses a $1,000 deductible.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Accord insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $202 $320 $254 $16 $76 $893 $74
Accord LX 4-Dr Sedan $202 $320 $254 $16 $76 $893 $74
Accord EX 4-Dr Sedan $202 $320 $254 $16 $76 $893 $74
Accord LX-P 4-Dr Sedan $202 $320 $254 $16 $76 $893 $74
Accord LX-P 4-Dr Sedan $202 $320 $254 $16 $76 $893 $74
Accord EX-L 4-Dr Sedan $232 $390 $254 $16 $76 $993 $83
Accord EX 2-Dr Coupe $232 $460 $338 $20 $102 $1,177 $98
Accord LX-S 2-Dr Coupe $232 $460 $338 $20 $102 $1,177 $98
Accord EX-L 2-Dr Coupe $262 $460 $338 $20 $102 $1,207 $101
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Honda Accord insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $124 $202 $254 $16 $76 $672 $56
Accord LX 4-Dr Sedan $124 $202 $254 $16 $76 $672 $56
Accord EX 4-Dr Sedan $124 $202 $254 $16 $76 $672 $56
Accord LX-P 4-Dr Sedan $124 $202 $254 $16 $76 $672 $56
Accord LX-P 4-Dr Sedan $124 $202 $254 $16 $76 $672 $56
Accord EX-L 4-Dr Sedan $144 $246 $254 $16 $76 $736 $61
Accord EX 2-Dr Coupe $144 $290 $338 $20 $102 $894 $75
Accord LX-S 2-Dr Coupe $144 $290 $338 $20 $102 $894 $75
Accord EX-L 2-Dr Coupe $162 $290 $338 $20 $102 $912 $76
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in Bullhead City location which can impact prices considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you roughly $20 more each month or $240 annually than selecting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 38 months between claim filings, you would probably be better off if you elect the higher deductible. Below is a better example of how this calculation is made.

Average monthly premium for $250 deductibles: $83
Average monthly premium for $1,000 deductibles (subtract): - $63
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

One important issue to know is that increasing deductibles to lower your rates means you will have to pay more of your own money at claim time. It will be required that you have some non-essential savings in order to pay the deductible to have repairs made.

Auto insurance does more than just protect your car

Despite the high insurance cost in Bullhead City, auto insurance serves several important purposes.

The benefits of buying auto insurance outweigh the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver is currently overpaying as much as $825 a year so you should quote your policy with other companies at least once a year to ensure rates are competitive.

Get cheaper insurance with these tips

A large part of saving on insurance is knowing the different types of things that go into determining the rates you pay for insurance. If you know what determines premiums, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs. Lots of things are part of the equation when you get your auto insurance bill. Some are obvious like an MVR report, but other criteria are less obvious such as whether you are married or your financial responsibility.

The list below includes some of the most rate-impacting factors utilized by car insurance companies to help set your prices.

Discounts for cheaper auto insurance quotes

Some providers don't always advertise all discounts in a way that's easy to find, so the following list contains a few of the more well known as well as the least known credits available to bring down your rates. If you check and find you aren't receiving every discount you deserve, you could be saving more on your auto insurance.Auto insurance discounts

Policy discounts save money, but some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, it's just not the way it works.

If you would like to see a list of auto insurance companies that offer the discounts shown above in Bullhead City, click here.

There's no such thing as the perfect car insurance policy

When it comes to choosing the best car insurance coverage for your vehicles, there really isn't a perfect coverage plan. Everyone's situation is unique.Higher deductibles save money

Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Shop online but buy locally

Many drivers would rather talk to a local agent and that is not a bad decision An additional benefit of comparing rates online is the fact that drivers can get better rates but still work with a licensed agent.

Find insurance agent in Bullhead CityTo find an agent, once you fill out this quick form, your coverage information is immediately sent to agents in your area who will give you quotes for your coverage. You won't even need to drive around because quoted prices will be sent immediately to your email address. You can find better rates without having to waste a lot of time. In the event you want to get a rate quote from a specific insurance provider, don't hesitate to search and find their rate quote page and give them your coverage information.

Choosing a insurance company should include more criteria than just the quoted price. Before buying a policy in Bullhead City, get answers to these questions.

Be persistent and save

As you shop your coverage around, do not sacrifice coverage to reduce premiums. In many cases, an insured cut collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

We've covered a lot of tips how to get a better price on insurance in Bullhead City. It's most important to understand that the more quotes you get, the better your chances of lowering your rates. Drivers may even discover the best price on insurance is with some of the smallest insurance companies.

Lower-priced insurance in Bullhead City is available both online in addition to local insurance agencies, so get free Bullhead City car insurance quotes from both of them in order to have the best price selection to choose from. There are still a few companies who don't offer rates over the internet and usually these small, regional companies work with independent insurance agents.

More detailed insurance information is located by following these links: