Having to pay for expensive insurance in Surprise can dwindle your monthly budget and force you to prioritize other expenses. Shopping your coverage around can save money and help to cut your insurance bill.

A recent study showed that nearly 70% of customers kept their coverage with the same insurance company for more than four years, and just short of a majority have never even shopped around for cheaper coverage. Consumers in America could save up to $859 every year just by getting comparison quotes, but they just feel it's too hard to save money by comparing rate quotes.

Lots of auto insurance companies contend for your insurance dollar, so it can be very hard to choose a company to find the best rate on insurance.

It's a great practice to take a look at other company's rates as often as possible because insurance prices are adjusted regularly by insurance companies. Just because you had the best price on insurance on your last policy you may be paying too much now. Block out anything you think you know about insurance because we're going to demonstrate the easiest way to find great coverage at a great price.

Verify you're getting every discount

Companies don't list their entire list of discounts in an easy-to-find place, so the list below gives a summary of both well-publicized as well as some of the hidden discounts you could be receiving when you buy Surprise car insurance online.Insurance discounts

Don't be shocked that some of the credits will not apply to the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, you aren't that lucky.

Large insurance companies and some of their more popular discounts can be read below.

It's a good idea to ask each company which discounts they offer. Some of the discounts discussed earlier may not apply to policies in every state. If you would like to choose from a list of insurance companies who offer free insurance quotes in Arizona, click here to view.

The best way we recommend to compare car insurance rates is to know the trick most of the larger companies participate in online systems to quote your coverage. The only thing you need to do is give them rating details including whether or not you need a SR-22, how much coverage you want, your job, and if you are currently licensed. The data is then submitted to many of the top insurers and you get price estimates instantly.

To get price quotes for your car now, click here then complete the form.

The companies shown below have been selected to offer comparison quotes in Arizona. To find cheap car insurance in Arizona, it's a good idea that you click on several of them to get the best price comparison.

Insurance Price Estimates for Popular Vehicles in Surprise
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $670 $335 $56
Chevrolet Equinox LTZ AWD $1,008 $504 $84
Chevrolet Silverado LS Extended Cab 2WD $850 $425 $71
Dodge Ram Quad Cab TRX4 Off Road 4WD $922 $461 $77
Ford Escape Limited 2WD $686 $343 $57
Ford F-150 FX4 Super Cab 4WD $1,174 $587 $98
Ford Focus SE 4-Dr Sedan $1,044 $522 $87
Honda Accord EX 4-Dr Sedan $900 $450 $75
Honda CR-V LX 2WD $896 $448 $75
Honda Civic SI 2-Dr Coupe $1,564 $782 $130
Honda Odyssey EX-L W/Rear Entertainment $814 $407 $68
Hyundai Sonata GLS 4-Dr Sedan $934 $467 $78
Nissan Altima 2.5 4-Dr Sedan $712 $356 $59
Toyota Camry Hybrid $1,076 $538 $90
Toyota Corolla LE $964 $482 $80
Toyota Prius $854 $427 $71
Toyota Tacoma X-Runner 2WD $966 $483 $81
Volkswagen Jetta SE 2.5 Station Wagon $1,018 $509 $85
Get Your Own Custom Quote Go

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in vehicle location which can change insurance rates greatly.

Impact of careless driving on car insurance rates

The chart below demonstrates how traffic citations and at-fault claims can impact Chevrolet Silverado yearly insurance costs for different categories of driver ages. The premiums are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

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

Good choices result in lower rates

A large part of saving on car insurance is knowing the rating factors that are used to determine your car insurance rates. If you have some idea of what determines base rates, this empowers consumers to make smart changes that could result in lower rates.

The following are a few of the "ingredients" used by insurance companies to determine your rate level.

Rates can change based on your address - Living in areas with lower population is a positive aspect when shopping for auto insurance. People in densely populated areas regularly have more auto accidents and more severe claims. Fewer drivers on the road translates into fewer accidents in addition to lower liability claims

Defend yourself with liability protection - Your car insurance policy's liability coverage kicks in if ever you are determined to be liable for an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability insurance is pretty cheap when compared with rates for comp and collision, so buy as much as you can afford.

Your employer is a factor - Careers like judges, police officers, and financial analysts are shown to have higher premiums than the average policyholder attributed to high stress levels and lots of time spent away from family. On the flip side, careers like scientists, athletes and retirees receive lower rates.

Get a ticket, pay higher prices - Just one moving violation may increase your cost forty percent or more. Attentive drivers receive lower rates compared to bad drivers. Drivers who have serious violations such as reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with their state's licensing department in order to continue driving.

Avoid unnecessary extra policy coverages - There are a lot of extra bells and whistles that you can buy but may not be useful. Things like rental car coverage, towing, and membership fees are some examples. They may sound like good ideas when talking to your agent, but your money might be better spent on other coverage so remove them and pocket the money.

Car insurance agents near you

Many drivers still like to talk to a local agent and that is not a bad decision The best thing about comparing rates online is that you can obtain lower premium rates and also buy local.

Upon completion of this short form, your coverage information is instantly submitted to companies in Surprise who will return price quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to contact any insurance agencies because quoted prices will be sent to you instantly. You can most likely find cheaper rates and an insurance agent to talk to. If you have a need to compare prices from a specific company, you can always jump over to their website and submit a quote form there.

Deciding on an provider requires more thought than just a cheap price. These are some questions your agent should answer.

Choosing vehicle insurance is an important decision

Even though rates can get expensive, paying for insurance is required in Arizona but it also protects you in many ways.

First, the majority of states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability insurance if you don't want to risk a ticket. 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 car has a lienholder, almost all lenders will require you to have physical damage coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank will be required to insure your vehicle at an extremely high rate and require you to fork over for it.

Third, insurance protects not only your vehicle but also your financial assets. It will also cover all forms of medical expenses that are the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of having insurance definitely exceed the price paid, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying more than $820 a year so you should quote your policy with other companies at least once a year to make sure the price is not too high.

Vehicle claim statistics

Which vehicle models have a high chance of claims? The next tables list the highest and lowest vehicle makes and models for the probability of having to file claims for each type of coverage listed.

Collision Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Jeep Wrangler Audi RS7
Chevrolet Colorado Maserati Granturismo
Ford Edge Nissan GT-R
Mini Cooper BMW M6
Nissan Xterra BMW 6 Series
Smart ForTwo Ferrari 458

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

Car Insurance Liability Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Fiat 500 Mitsubishi Lancer
Volvo XC60 Mitsubishi Mirage
Mercedes-Benz SL Class Kia Rio
Audi A6 Kia Optima
Chevrolet Corvette Dodge Charger
Subaru Outback Chrysler 200

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

Lowest and Highest Car Insurance Medical Payment Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Ford Expedition Kia Forte
Ford F-350 SuperCrew Mitsubishi Mirage
Land Rover Range Rover Sport Mitsubishi Lancer
Tesla Model S Chrysler 200
Ford F-250 SuperCrew Chevrolet Sonic
Chevrolet Silverado 2500 Nissan Versa

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

Manufacturer Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claim Amount Highest Claim Amount
Infiniti QX50 Audi S7
Volvo V60 Mercedes-Benz S Class
Ford F-350 BMW M6
Nissan Leaf BMW M6
GMC Sierra 2500 Porsche Panamera GTS
Chevy Spark Maserati Quattroporte

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

Smart consumers save more

Some companies may not offer internet price quotes and usually these regional insurance providers sell through independent agents. Cheaper insurance in Surprise is available both online and also from your neighborhood Surprise agents, so compare prices from both so you have a total pricing picture.

In this article, we covered many ideas to lower your insurance premium rates in Surprise. It's most important to understand that the more you quote Surprise car insurance, the better your comparison will be. You may even discover the lowest premium rates come from a small mutual company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

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