Want to know how to find more competitive car insurance rates in Casa Grande, AZ? Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you there are a lot of people in Casa Grande just like you who feel imprisoned by their car insurance policy.

It's astonishing, but almost 70% of drivers have remained with the same car insurance company for at least four years, and nearly 40% of drivers have never compared rates with other companies. Casa Grande insurance shoppers could save themselves roughly $730 a year just by getting comparison quotes, but they just assume it's a time-consuming process to find cheaper rates by getting comparison quotes.

Numerous car insurance companies battle for your insurance dollar, so it's not easy to compare every insurer to find the absolute best price available on car insurance.

The method we recommend to compare insurance rates in your area is to take advantage of the fact auto insurance companies provide online access to compare rate quotes. All consumers are required to do is provide a small amount of information including which vehicles you own, if you lease or own, if it has an anti-theft system, and how much you drive. Your information is automatically sent to many different companies and you will get price comparisons immediately.

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

The following companies provide price quotes in Arizona. If you want cheap auto insurance in Arizona, we suggest you visit as many as you can in order to find the most competitive rates.

Insurance Estimates for Popular Vehicles in Casa Grande
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,090 $545 $91
Chevrolet Silverado LS Extended Cab 2WD $1,082 $541 $90
Dodge Ram Quad Cab TRX4 Off Road 2WD $984 $492 $82
Ford Edge Sport 2WD $1,130 $565 $94
Ford Escape XLT 2WD $772 $386 $64
Ford F-150 STX Regular Cab 4WD $956 $478 $80
Ford Focus SE 2-Dr Coupe $1,340 $670 $112
Ford Fusion S 4-Dr Sedan $884 $442 $74
Honda Accord LX-P 4-Dr Sedan $666 $333 $56
Honda CR-V EX-L 4WD $1,118 $559 $93
Honda Civic Hybrid 4-Dr Sedan $1,134 $567 $95
Nissan Altima Hybrid 4-Dr Sedan $1,300 $650 $108
Toyota Camry LE $774 $387 $65
Toyota Corolla XLE $732 $366 $61
Volkswagen Jetta SE 4-Dr Sedan $860 $430 $72
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in your specific Casa Grande location which can influence rates greatly.

Should you raise deductibles?

One of the hardest decisions when shopping for auto insurance is where should you set your physical damage deductibles. The comparison tables below highlight the difference in cost when you choose different comp and collision deductibles. The first table uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Elantra insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $202 $320 $254 $16 $76 $893 $74
Elantra Blue 4-Dr Sedan $202 $460 $300 $18 $90 $1,095 $91
Elantra GLS 4-Dr Sedan $232 $460 $300 $18 $90 $1,125 $94
Elantra SE 4-Dr Sedan $232 $460 $300 $18 $90 $1,125 $94
Elantra SE Touring Station Wagon $232 $390 $254 $16 $76 $993 $83
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Hyundai Elantra insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $164 $258 $254 $16 $76 $768 $64
Elantra Blue 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Elantra GLS 4-Dr Sedan $188 $370 $300 $18 $90 $966 $81
Elantra SE 4-Dr Sedan $188 $370 $300 $18 $90 $966 $81
Elantra SE Touring Station Wagon $188 $314 $254 $16 $76 $848 $71
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in specific location which can influence coverage prices substantially.

Using the data above, we can ascertain that using a $250 deductible costs an average of $12 more each month or $144 a year than buying the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 21 months between claim filings, you would probably be better off if you elect the higher deductible. Here is the way you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $87
Average monthly premium for $500 deductibles (subtract): - $75
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Why you need to buy car insurance

Despite the high insurance cost in Casa Grande, maintaining insurance is required by state law in Arizona and it also provides benefits you may not be aware of.

The benefits of insuring your vehicle outweigh the cost, particularly for liability claims. On average, a vehicle owner in Casa Grande is overpaying over $750 every year so it's important to compare rates at every policy renewal to be sure current rates are still competitive.

Five ways to find car insurance at a discount in Casa Grande

Many things are used in the calculation when pricing auto insurance. Some factors are common sense such as your driving history, but other factors are less apparent such as your credit history or how safe your car is.

Frequent claims will increase rates - If you are a frequent claim filer, you shouldn't be surprised to get higher rates. Insurance companies in Arizona generally give the lowest premiums to drivers who are not frequent claim filers. Your insurance policy is meant to be used in the event of the large, substantial claims.

With age comes lower costs - Teenage drivers in Arizona have been known to be careless and easily distracted when at the wheel of a vehicle so car insurance rates are higher. More experienced drivers are more responsible, file fewer claims, and are generally more financially stable.

Never let your car insurance policy lapse - Letting your insurance expire is a sure-fire way to increase your car insurance rates. Not only will rates go up, getting caught without coverage could result in fines or a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with the Arizona motor vehicle department to get your license reinstated.

Cheaper rates by consolidating - Most major companies will award discounts for people who buy several policies from them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to comparison shop to help ensure you have the lowest rates.

Safer cars means better prices - Vehicles that have high safety ratings tend to have better insurance rates. Vehicles engineered for safety have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your car is rated at a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org it may cost less to insure.

Discount Casa Grande car insurance rates

Some providers do not list every discount in an easy-to-find place, so the list below contains a few of the more well known and the more hidden discounts you could be receiving when you buy Casa Grande auto insurance online.Car insurance discounts

A little disclaimer on discounts, most discount credits are not given to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. So when the math indicates you can get free auto insurance, companies wouldn't make money that way.

For a list of companies with discount car insurance rates in Casa Grande, follow this link.

How much can you save?

Cheaper auto insurance in Casa Grande is attainable online as well as from independent agents in Casa Grande, so get free Casa Grande auto insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not provide online quoting and usually these small, regional companies prefer to sell through local independent agents.

When buying insurance coverage, it's a bad idea to reduce needed coverages to save money. Too many times, an insured dropped liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at the best price while still protecting your assets.

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