No normal person is fond of buying auto insurance, especially when the price is too high.

It's amazing but the vast majority of auto insurance customers in Arizona kept their policy with the same company for four years or more, and almost half have never even compared quotes to find lower-cost rates. American drivers can save nearly 47% each year, but they don't believe the rate savings if they switched.

You have so many car insurance companies to purchase coverage from, and although it's a good thing to have a choice, it makes it harder to get the best deal.

Finding the cheapest auto insurance coverage in Oro Valley is much easier if you know where to start. In essence, every vehicle owner who is shopping for auto insurance most likely will be able to lower their premiums. Although Arizona drivers can benefit by having an understanding of how big insurance companies calculate their prices and use this information to your advantage.

All major insurance companies like State Farm, GEICO and Progressive make it easy to get pricing online. Getting insurance prices online is quite simple as you just enter your personal and coverage information into the quote form. When complete, the company's rating system gets your driving record and credit report and generates a price determined by many factors. The ability to get online price quotes simplifies rate comparisons, and it's necessary to get many rate quotes in order to find the best rate possible.

In order to fill out one form to compare multiple rates now, consider comparing rates from the companies shown below. If you have a policy now, it's recommended you replicate deductibles and limits exactly as they are listed on your policy. This makes sure you will be getting an apples-to-apples comparison using the same coverage and limits.

The companies in the list below are our best choices to provide comparison quotes in Arizona. To locate cheap car insurance in Arizona, we recommend you compare several of them in order to find the most competitive rates.

Insurance Estimates for Popular Vehicles in Oro Valley
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $990 $495 $83
Chevrolet Equinox LTZ 2WD $1,126 $563 $94
Chevrolet Malibu LT $1,066 $533 $89
Chevrolet Silverado LTZ Crew Cab 4WD $1,154 $577 $96
Dodge Ram Crew Cab ST 4WD $1,392 $696 $116
Ford Escape Limited 2WD $770 $385 $64
Ford F-150 STX Regular Cab 2WD $948 $474 $79
Ford Focus SEL 4-Dr Sedan $1,188 $594 $99
Honda Accord LX-P 4-Dr Sedan $602 $301 $50
Honda CR-V EX-L 4WD $808 $404 $67
Honda Civic Hybrid 4-Dr Sedan $986 $493 $82
Jeep Grand Cherokee Laredo 4WD $906 $453 $76
Jeep Wrangler Sport Islander Package 4WD 2-Dr $662 $331 $55
Mazda 3 I Sport 4-Dr Sedan $930 $465 $78
Nissan Altima 3.5 SR 4-Dr Sedan $1,080 $540 $90
Nissan Rogue SL AWD $986 $493 $82
Toyota Camry LE $1,194 $597 $100
Toyota Corolla LE $838 $419 $70
Toyota Prius $1,236 $618 $103
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $826 $413 $69
Get Your Own Custom Quote Go

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Table data does not factor in specific garaging location which can affect insurance rates substantially.

Comparison of auto insurance rates by gender

The information below illustrates the comparison of car insurance rates for male and female drivers in Oro Valley. The prices are based on no claims or violations, comp and collision included, $1,000 deductibles, marital status is single, and no additional discounts are factored in on a Honda Pilot Touring.

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

How careless driving impacts auto insurance rates

The diagram below shows how speeding tickets and at-fault claims influence Ford Escape insurance costs for each age group. The data is based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

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

Insurance is not optional but you don't have to overpay

Despite the high insurance cost in Oro Valley, insurance is required in Arizona but also provides important benefits.

First, almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability in order to drive the car legally. 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 you took out a loan on your vehicle, more than likely the lender will require you to carry insurance to ensure loan repayment if the vehicle is totalled. If you default on your policy, the bank may buy a policy for your vehicle for a lot more money and require you to fork over the higher premium.

Third, insurance protects both your assets and your vehicle. Insurance will pay for hospital and medical expenses incurred in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if anyone sues you for causing an accident. If you have damage to your vehicle as the result of the weather or an accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of insuring your car greatly outweigh the cost, especially when you need to use it. On average, a vehicle owner in Oro Valley is currently overpaying as much as $865 each year so smart consumers compare quotes once a year at a minimum to make sure the price is not too high.

Seven discounts for cheap insurance rates

Car insurance companies don't always list every disount available very well, so here is a list some of the more common and also the more inconspicuous discounts that you can inquire about if you buy Oro Valley car insurance online.Cheaper insurance with discounts

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies aren't that generous.

Some of the larger companies who might offer these money-saving discounts are:

When comparing rates, check with every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in your area.

Insurance coverage basics

Learning about specific coverages of your policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you'll find typical coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your vehicle.

Since many Arizona drivers carry very low liability coverage limits (Arizona limits are 15/30/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for pain medications, prosthetic devices, hospital visits and surgery. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto liability

Liability insurance can cover injuries or damage you cause to people or other property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 15/30/10 that translate to a limit of $15,000 per injured person, $30,000 for the entire accident, and a limit of $10,000 paid for damaged property.

Liability coverage protects against claims such as court costs, bail bonds, structural damage, attorney fees and repair bills for other people's vehicles. The amount of liability coverage you purchase is up to you, but it's cheap coverage so purchase as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but you should consider buying more liability than the minimum.

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, a tree branch falling on your vehicle, hitting a deer, vandalism and hail damage. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your vehicle resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto insurance claim statistics

Are you driving a statistically high-claim vehicle? The statistics below show the highest and lowest vehicle makes and models for overall likelihood of having claims for each type of coverage.

Lowest and Highest Medical Payment Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Audi A4 Allroad Mitsubishi Mirage
Chevrolet Silverado 3500 Chevrolet Spark
Tesla Model S Hyundai Accent
Ford F-250 SuperCrew Nissan Sentra
Land Rover Range Rover Sport Mitsubishi Lancer
Ford F-350 SuperCrew Kia Forte

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Liability Coverage Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Volvo XC60 Dodge Charger
Audi A6 Mitsubishi Lancer
Fiat 500 Chrysler 200
Subaru Forester Hyndai Accent
Acura MDX Mitsubishi Mirage
Mercedes-Benz SL Class Chevrolet Cruze

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevy Silverado 2500 Maserati Quattroporte
GMC Sierra 2500 Mercedes-Benz S Class
Infiniti QX50 Bentley Continental GTC
Nissan Leaf Bentley Continental GT
Smart ForTwo Audi S7
Ford F-350 Porsche Panamera GTS

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Collision Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Jeep Wrangler Bently Continental GT
Smart ForTwo Nissan GT-R
Ford F-150 SuperCrew Ferrari 458
Ford F-250 SuperCab Maserati Ghibli
Nissan Xterra Maserati Granturismo
Mini Cooper Bentley Continental Flying Spur

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

The best insurance company isn't always the cheapest

Throughout this article, we presented quite a bit of information on how to compare auto insurance rates in Oro Valley. The most important thing to understand is the more price quotes you have, the better likelihood of getting low cost Oro Valley car insurance quotes. You may even discover the biggest savings come from the least-expected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

When buying insurance coverage, make sure you don't sacrifice coverage to reduce premiums. Too many times, an insured cut physical damage coverage and learned later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at the lowest possible cost, but don't skip important coverages to save money.

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