Searching for low-cost insurance for a car in Arizona can normally be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to compare auto insurance rates so we're going to tell you the absolute fastest way to compare rates for a and obtain the cheapest rates from both online companies and Fountain Hills agents.

Affordable car insurance companies in Fountain Hills

The providers in the list below offer price comparisons in Arizona. To locate cheap auto insurance in Arizona, we recommend you get rate quotes from several of them to get the best price comparison.

Insurance Cost Estimates for Popular Vehicles in Fountain Hills
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Extended Cab 2WD $988 $494 $82
Dodge Grand Caravan Crew $1,066 $533 $89
Dodge Ram Crew Cab Laramie 2WD $1,178 $589 $98
Ford Escape XLS 4WD $748 $374 $62
Ford F-150 XL Crew Cab 2WD $924 $462 $77
Ford Focus SE 2-Dr Coupe $1,152 $576 $96
Honda Accord LX-S 2-Dr Coupe $1,166 $583 $97
Honda CR-V LX 2WD $672 $336 $56
Honda Civic VP 4-Dr Sedan $946 $473 $79
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,216 $608 $101
Nissan Altima 2.5 S 4-Dr Sedan $838 $419 $70
Toyota Camry SE $854 $427 $71
Toyota Corolla S $1,064 $532 $89
Toyota Prius $1,090 $545 $91
Toyota Tacoma 4WD $758 $379 $63
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in specific zip code location which can decrease or increase price quotes substantially.

Tickets and at-fault accidents raise rates

The diagram below illustrates how speeding tickets and accident claims can drive up Toyota Camry car insurance rates for each age group. The premium estimates are based on a married male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

How much more does full coverage cost in Fountain Hills?

The example below illustrates the comparison of Ford Focus insurance rates with and without full coverage. The data assumes no claims or violations, $250 deductibles, single female driver, and no other discounts are factored in.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comprehensive and collision

There is no exact rule for dropping comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let's say your Ford Focus settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If you are currently paying more than $200 a year to have full coverage, then it might be time to buy liability only.

There are some cases where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Components of your insurance prices

Lots of factors are taken into consideration when you get a price on insurance. Some factors are common sense like an MVR report, but others are not quite as obvious such as your marital status or how safe your car is. Part of the car insurance buying process is learning the different types of things that help calculate the rates you pay for car insurance. If you know what determines premiums, this enables you to make decisions that may result in much lower annual insurance costs.

The following are most of the major factors utilized by car insurance companies to help set your prices.

Coverage lapses raise rates - Having a gap between insurance policy dates is a quick way to drive up your policy premiums. Not only will you pay more, the inability to provide proof of insurance could earn you a steep fine or even jail time. You may have to prove you have insurance by filing a SR-22 with the Arizona motor vehicle department.

Liability preserves assets - Liability coverage is the coverage that protects you when a jury decides you are liable for damages caused by your negligence. It will provide for a legal defense which can be incredibly expensive. It is affordable coverage compared to other policy coverages, so drivers should carry high limits.

High comp and collision deductibles save money - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some coverage claims are a broken side mirror, hail damage, and windstorm damage. The deductibles you choose tell how much you are willing to pay if a covered claim is submitted. The higher the amount you're willing to pay, the less your car insurance will be.

Bundle policies and save - Lots of car insurance companies afford lower prices to people who carry more than one policy. It's known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, drivers will still want to compare other company rates to ensure the best deal.

Pay lower premiums if you're married - Having a wife or husband helps lower the price on your policy. Marriage means you're more mature than a single person and insurance companies reward insureds because married couples file fewer claims.

Pay more if you have a long commute - Residing in small towns and rural areas is a good thing when it comes to car insurance. Residents of big cities regularly have traffic congestion and longer commutes to work. Lower population translates into fewer accidents and also fewer theft and vandalism claims.

Lower rates by qualifying for discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can dramatically reduce your bill. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be asked for in order for you to get them.Car insurance discounts

While discounts sound great, it's important to understand that many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, insurance companies wouldn't stay in business.

A partial list of companies that may offer policyholders most of the discounts above include:

Double check with each company to give you their best rates. All car insurance discounts might not be offered in Fountain Hills. If you would like to choose from a list of car insurance companies with the best car insurance discounts in Fountain Hills, click here to view.

Insurance is unique, just like you

When selecting the right insurance coverage, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's.Drive safe and save

Here are some questions about coverages that may help highlight if you might need professional guidance.

If you can't answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It's fast, doesn't cost anything and you can get the answers you need.

Best and worst vehicle claim statistics

Which vehicles tend to have high claims? The statistics below show the highest and lowest vehicle makes and models for likelihood of filing claims for each type of coverage.

Medical Payment Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCrew Kia Forte
Audi A4 Allroad Chevrolet Spark
Land Rover Range Rover Sport Chrysler 200
Chevrolet Silverado 2500 Nissan Versa
Tesla Model S Mitsubishi Mirage
Chevrolet Silverado 3500 Mitsubishi Lancer

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

Lowest and Highest Liability Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Subaru Forester Kia Rio
Mercedes-Benz SL Class Chevrolet Sonic
Subaru Outback Chevrolet Impala
Acura MDX Kia Optima
Audi A6 Dodge Charger
Volvo XC60 Chrysler 200

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

Lowest and Highest Collision Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Mini Cooper Maserati Granturismo
GMC Canyon Maserati Ghibli
Smart ForTwo Nissan GT-R
Jeep Wrangler Bently Continental GT
Nissan Xterra Bently Continental GTC
Ford Edge Bentley Continental Flying Spur

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

Comprehensive Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Ford F-350 Bentley Continental GTC
Chevy Silverado 2500 Audi S7
Infiniti QX50 BMW M6
Chevy Spark Bentley Continental GT
Nissan Leaf Mercedes-Benz S Class
Nissan Xterra Porsche Panamera GTS

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

More effort can pay off

We've covered a lot of information how to get a better price on insurance in Fountain Hills. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the lowest rates come from an unexpected company.

Discount insurance in Fountain Hills is attainable from both online companies as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide online rate quotes and most of the time these small, regional companies prefer to sell through independent insurance agencies.

People change insurance companies for any number of reasons including being labeled a high risk driver, not issuing a premium refund, an unsatisfactory settlement offer and lack of trust in their agent. Whatever your reason, switching companies can be less work than you think.

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