Having to pay for pricey auto insurance in Buckeye can stress out your family's budget and make it hard to pay other bills.

Unthinkable but true, most auto insurance buyers in Arizona have stayed with the same insurance company for over three years, and 38% of drivers have never compared rates to find cheap insurance. Most drivers in the United States can save about 47% each year by just comparing quotes, but most tend to underestimate the benefits if they switched to a more affordable policy. Due to the fact that there are so many companies to choose from , it's difficult to locate the lowest cost insurance company.

Lower Buckeye auto insurance rates

It's important that you understand some of the things that play a part in calculating the level of your policy premiums. If you have some idea of what determines premiums, this empowers consumers to make smart changes that can help you get better auto insurance rates. Multiple criteria are used when pricing auto insurance. Some of the criteria are obvious like an MVR report, but others are less obvious such as whether you are married or how financially stable you are.

Shown below are some of the most common factors that factor into rates.

How to get Buckeye auto insurance price quotes

The following companies offer comparison quotes in Buckeye, AZ. To find cheap car insurance in Arizona, we suggest you visit several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Buckeye
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,120 $560 $93
Chevrolet Silverado LT Regular Cab 2WD $828 $414 $69
Dodge Grand Caravan Hero $946 $473 $79
Dodge Ram Quad Cab Laramie 2WD $922 $461 $77
Ford Edge SEL AWD $962 $481 $80
Ford Escape Limited 2WD $770 $385 $64
Ford F-150 FX2 Super Cab 2WD $924 $462 $77
Ford Focus S 4-Dr Sedan $1,138 $569 $95
Honda Accord EX-L 2-Dr Coupe $1,174 $587 $98
Honda CR-V LX 4WD $708 $354 $59
Honda Civic LX 4-Dr Sedan $1,062 $531 $89
Hyundai Sonata GLS 4-Dr Sedan $882 $441 $74
Nissan Altima 3.5 SR 4-Dr Sedan $972 $486 $81
Toyota Camry Hybrid $1,214 $607 $101
Toyota Corolla XLE $932 $466 $78
Get Your Own Custom Quote Go

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in zip code location which can modify premium rates substantially.

Rate increases following a ticket or accident

The illustration below illustrates how violations and at-fault fender-benders can increase Kia Optima insurance costs for each age group. The premiums assume a married female driver, full coverage, $100 deductibles, and no discounts are factored in.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Do you need full coverage?

The chart below visualizes the comparison of Ford Fusion premium costs with full physical damage coverage and with liability coverage only. The costs are based on no claims or driving citations, $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.

Guidelines for dropping full coverage

There isn't a steadfast formula to stop paying for physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more 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 pretend your Ford Fusion claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after the policy deductible has been paid. If you are paying over $200 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some circumstances where dropping physical damage coverage is not recommended. If you have an outstanding 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 cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Three good reasons to insure your vehicle

Despite the fact that auto insurance is not cheap in Buckeye, insuring your vehicle may not be optional for several reasons.

The benefits of insuring your vehicle are without a doubt worth the cost, especially if you ever need it. On average, a vehicle owner in Buckeye is wasting up to $810 a year so compare rates each time the policy renews to ensure rates are inline.

Determine discounts to get cheap Buckeye auto insurance quotes

Companies don't necessarily list every available discount in a way that's easy to find, so the list below details both well-publicized as well as some of the hidden credits available to you.Save money with discounts

One last thing about discounts, some of the credits will not apply to the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts should help lower the cost of your policy.

To view providers who offer cheap auto insurance quotes in Buckeye in Arizona, click here to view.

Affordable insurance rates are possible

When shopping online for insurance, it's not a good idea to buy poor coverage just to save money. In many instances, an insured dropped collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Cheaper insurance in Buckeye can be bought from both online companies and also from your neighborhood Buckeye agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not provide internet price quotes and many times these smaller providers only sell through independent agents.

We just presented a lot of ways to lower your insurance premium rates in Buckeye. The key thing to remember is the more price quotes you have, the higher your chance of finding cheaper Buckeye auto insurance quotes. Drivers may even discover the biggest savings come from a lesser-known regional company. They can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.

For more information, take a look at the resources below: