How many years has it been since you compared more affordable auto insurance rates in Yuma, AZ? Are you kicking yourself for buying an expensive auto insurance policy? It's quite common and you are not the only one feeling buyer's remorse.

It's astonishing, but almost 70% of insureds kept their coverage with the same auto insurance company for at least the last four years, and just under half have never quoted rates to find affordable coverage. Arizona drivers can save hundreds of dollars each year just by comparing rates, but they just feel it's too hard to find affordable auto insurance rates. Companies like State Farm, Progressive and GEICO increase brand awareness with ads and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

If you already have coverage or just want to save money, use these tips to find the best rates and possibly find even better coverage. Finding the cheapest car insurance coverage in Yuma can initially seem challenging. Comparison shoppers just need to understand the proper way to buy car insurance from many different companies.

Best companies for Arizona car insurance

The companies shown below provide free quotes in Yuma, AZ. To get the cheapest auto insurance in Arizona, it's highly recommended you visit two to three different companies in order to find the lowest rates.

Insurance Rates for Popular Vehicles in Yuma
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,300 $650 $108
Chevrolet Malibu LT $710 $355 $59
Chevrolet Silverado LS Extended Cab 4WD $906 $453 $76
Dodge Grand Caravan Hero $910 $455 $76
Dodge Ram Quad Cab Laramie 4WD $1,106 $553 $92
Ford Escape XLT 2WD $672 $336 $56
Ford F-150 STX Regular Cab 2WD $1,086 $543 $91
Ford Focus SE 4-Dr Sedan $1,138 $569 $95
Ford Fusion SEL AWD 4-Dr Sedan $1,230 $615 $103
GMC Sierra SLE Crew Cab 2WD $746 $373 $62
Honda Accord EX 4-Dr Sedan $836 $418 $70
Honda CR-V EX-L 2WD $924 $462 $77
Honda Civic SI 4-Dr Sedan $1,118 $559 $93
Hyundai Elantra SE 4-Dr Sedan $882 $441 $74
Jeep Wrangler Sport Islander Package 4WD 2-Dr $646 $323 $54
Nissan Altima 3.5 SR 4-Dr Sedan $856 $428 $71
Nissan Rogue SL 2WD $1,076 $538 $90
Toyota Camry SE $1,102 $551 $92
Toyota Corolla LE $1,064 $532 $89
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in garaging location in Yuma which can influence premiums noticeably.

Safe drivers pay less for auto insurance

The diagram below highlights how speeding tickets and at-fault collisions can influence Hyundai Elantra car insurance costs for different age groups. The data is based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

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

Physical damage deductible comparison

When shopping for auto insurance, a common question is how high or low should comp and collision deductibles be. The comparisons below show the premium difference when you select higher and lower coverage deductibles. The first rate table uses a $100 deductible for comp and collision and the second set of prices uses a $500 deductible.

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

Honda Accord insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $224 $382 $254 $16 $76 $977 $81
Accord LX 4-Dr Sedan $224 $382 $254 $16 $76 $977 $81
Accord EX 4-Dr Sedan $224 $382 $254 $16 $76 $977 $81
Accord LX-P 4-Dr Sedan $224 $382 $254 $16 $76 $977 $81
Accord LX-P 4-Dr Sedan $224 $382 $254 $16 $76 $977 $81
Accord EX-L 4-Dr Sedan $258 $466 $254 $16 $76 $1,095 $91
Accord EX 2-Dr Coupe $258 $548 $338 $20 $102 $1,291 $108
Accord LX-S 2-Dr Coupe $258 $548 $338 $20 $102 $1,291 $108
Accord EX-L 2-Dr Coupe $292 $548 $338 $20 $102 $1,325 $110
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Honda Accord insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $164 $258 $254 $16 $76 $768 $64
Accord LX 4-Dr Sedan $164 $258 $254 $16 $76 $768 $64
Accord EX 4-Dr Sedan $164 $258 $254 $16 $76 $768 $64
Accord LX-P 4-Dr Sedan $164 $258 $254 $16 $76 $768 $64
Accord LX-P 4-Dr Sedan $164 $258 $254 $16 $76 $768 $64
Accord EX-L 4-Dr Sedan $188 $314 $254 $16 $76 $848 $71
Accord EX 2-Dr Coupe $188 $370 $338 $20 $102 $1,018 $85
Accord LX-S 2-Dr Coupe $188 $370 $338 $20 $102 $1,018 $85
Accord EX-L 2-Dr Coupe $212 $370 $338 $20 $102 $1,042 $87
Get a Quote for Your Vehicle Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can impact premium rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $19 more each month or $228 each year than requesting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 21 months between claim filings, you would more than likely save some money by selecting a higher deductible. The illustration below shows an example of how you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $91
Average monthly premium for $500 deductibles (subtract): - $72
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

An important sidenote is that increasing deductibles to save money results in more money out-of-pocket when you have a physical damage claim. That will force you to have access to more funds in the event you need to pay the higher deductible.

Cheaper rates by taking advantage of discounts

Car insurance companies don't always publicize every discount very well, so below is a list both well-publicized and the more hidden ways to save on car insurance. If they aren't giving you every credit available, you could be saving more on your car insurance.Cheaper car insurance with discounts

You should keep in mind that many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, nobody gets a free ride.

Some companies that may offer quotes with some of the above discounts include:

When getting a coverage quote, ask all the companies the best way to save money. Discounts may not apply in Yuma. To view insurance companies that offer the discounts shown above in Arizona, click this link.

What impacts Yuma auto insurance prices?

When buying insurance it's important to understand some of the factors that go into determining your insurance rates. If you have some idea of what influences your rates, this empowers consumers to make smart changes that may result in lower premium levels.

Know your credit score - Having a bad credit rating can be a huge factor in calculating your premium rate. Drivers who have high credit ratings tend to be more responsible as compared to drivers with worse credit. If your credit score leaves room for improvement, you could save money insuring your vehicle by improving your rating.

Liability coverage - The liability section of your policy will protect you if ever you are found liable for damages from an accident. This coverage provides for a legal defense which can cost thousands of dollars. It is affordable coverage compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.

Rental and towing coverage may not be needed - There are a lot of extra bells and whistles that may not really be needed on your insurance policy. Coverage for things like coverage for rental cars, high-cost glass coverage, and extra equipment coverage may be costing you every month. They may seem good when deciding what coverages you need, but if you have no use for them remove them from your policy.

Better rates for uninterrupted coverage - Not maintaining insurance is illegal and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, the inability to provide proof of insurance could earn you fines and jail time.

Proper usage rating affects premiums - Driving more miles annually the higher your rates will be. The majority of insurers charge to insure your cars partially by how you use the vehicle. Cars and trucks that do not get driven very much can be on a lower rate level than vehicles that are driven to work every day. Ask your agent if your vehicle rating shows the correct usage, because it can save money.

Rural vs Urban Areas - Being located in less populated areas of the country is a good thing when trying to find low car insurance rates. Fewer drivers means a lower chance of having an accident in addition to lower liability claims Drivers in populated Arizona areas have to deal with traffic congestion and more severe claims. More time on the road means more chance of being in an accident.

Local Yuma insurance agents and car insurance

Certain consumers would prefer to talk to a local agent and that can be a great decision Insurance agents can help you build your policy and help file insurance claims. One of the best bonuses of comparing rate quotes online is you may find cheaper premium rates and still choose a local agent. Buying insurance from local insurance agencies is important particularly in Yuma.

Insurance agents in YumaBy using this simple form, your insurance data is sent to local insurance agents who will give you quotes to get your business. You don't have to find an agent as quotes are delivered to you. If you want to quote rates from a particular provider, you would need to go to their quote page and submit a quote form there.

If you want a reputable insurance agent or broker, it's important to understand the types of agencies that you can choose from. Yuma agents are either exclusive or independent agents depending on their company appointments. Both can provide car insurance policies, but it's worth mentioning why they differ because it may have an impact on your agent selection.

Independent Insurance Agents

Independent agents are normally appointed by many insurers so they can insure your vehicles through lots of different companies and get you the best rates possible. If they find a lower price, your agent can switch companies which is easy for the insured. When comparing rate quotes, you absolutely need to include rate quotes from a couple of independent agencies to ensure the widest selection of prices.

Exclusive Insurance Agents

Exclusive insurance agents can only provide pricing for a single company like State Farm or Allstate. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agencies are trained well on sales techniques which helps them sell insurance even at higher premiums.

Choosing an insurance agent requires you to look at more than just the bottom line cost. Any good agent in Yuma should know the answers to these questions.

If you receive positive feedback to your questions as well as offering an affordable quote, you've probably found an insurance agency that meets the requirements to adequately provide car insurance. Just understand that you have the power to cancel your policy at any time so don't think that you are obligated to a specific company for a certain time period.

Drivers who switch save $404 a year? Really?

Arizona drivers can't get away from all the ads for cheaper auto insurance from the likes of Allstate and Progressive. All the ads tend to make the same promise that drivers will save a bundle if you get a free Yuma auto insurance quote and switch to their company.

How do they all save you money on auto insurance? It's all in how they say it.

Companies can use profiling for the driver that is profitable for them. A good example of this type of risk profile could be between the ages of 40 and 55, has a clean driving record, and drives a safe vehicle. Someone that fits those parameters receives the best rates in Yuma and will most likely save when they switch companies.

Potential customers who are not a match for this stringent profile will probably have to pay higher premiums and business going elsewhere. The ads say "customers that switch" but not "all drivers who get quotes" save that much when switching. That's why insurance companies can confidently advertise the way they do.

Because each company has a different risk profile, you should do a rate comparison at every renewal. Because without a comparison, you cannot know the company that will provide you with the cheapest auto insurance in Yuma.

Quote more to save more

When getting Yuma auto insurance quotes online, you should never buy lower coverage limits just to save a few bucks. Too many times, an insured dropped comprehensive coverage or liability limits only to regret that it was a big mistake. The aim is to buy enough coverage at the best cost, but don't skip important coverages to save money.

You just learned some good ideas how you can lower your auto insurance car insurance rates in Yuma. It's most important to understand that the more quotes you get, the better chance you'll have of finding cheaper Yuma auto insurance quotes. You may even be surprised to find that the lowest priced auto insurance comes from some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

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