Trying to find cheaper insurance for a new or used car in Arizona can turn out to be an all-consuming task, but you can use our auto insurance buying tips and make it easy.
There is a better way to buy auto insurance and you need to know the absolute fastest way to quote coverages for your and locate the cheapest rates from Goodyear insurance agents and online providers.
You should take the time to do rate comparisons on a regular basis since insurance prices are usually higher with each renewal. If you had the lowest rates on auto insurance a year ago you will most likely find a better premium rate today. Forget all the misinformation about auto insurance because we're going to show you the proper way to save on auto insurance.
Finding and comparing more affordable insurance in Goodyear is not as hard as you may think. If you are already insured or are just looking to switch companies, use these money-saving tips to reduce the price you pay without having to cut coverage. Vehicle owners only need an understanding of the proper methods to compare different rates on the web.
Companies offering cheap rate quotes in Goodyear, AZ
The providers in the list below are ready to provide free quotes in Goodyear, AZ. If you want to find the best car insurance in Arizona, it's a good idea that you visit two to three different companies to get a more complete price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ AWD||$896||$448||$75|
|Chevrolet Malibu LT||$966||$483||$81|
|Chevrolet Silverado Crew Cab Hybrid 4WD||$1,240||$620||$103|
|Dodge Ram Quad Cab SLT 2WD||$1,008||$504||$84|
|Ford Escape XLT 2WD||$1,008||$504||$84|
|Ford F-150 XL Regular Cab 4WD||$896||$448||$75|
|Ford Focus SEL 4-Dr Sedan||$818||$409||$68|
|Honda Accord LX 4-Dr Sedan||$1,004||$502||$84|
|Honda CR-V EX 4WD||$808||$404||$67|
|Honda Civic SI 2-Dr Coupe||$1,232||$616||$103|
|Hyundai Sonata GLS 4-Dr Sedan||$858||$429||$72|
|Jeep Grand Cherokee Laredo 2WD||$1,008||$504||$84|
|Jeep Wrangler Rubicon 4WD 2-Dr||$896||$448||$75|
|Nissan Altima 2.5 S 4-Dr Sedan||$962||$481||$80|
|Nissan Rogue SL AWD||$1,016||$508||$85|
|Toyota Camry LE||$1,042||$521||$87|
|Toyota Corolla S||$1,064||$532||$89|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Table data does not factor in Goodyear location which can raise or lower coverage rates significantly.
Males versus Females
The illustration below shows the comparison of insurance premiums for male and female drivers in Goodyear. The premiums assume no violations or accidents, full coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration on a Honda Civic LX.
Honda Civic rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Lower rates by qualifying for discounts
Some companies don't always advertise the complete list of policy discounts in a way that's easy to find, so the list below details some of the more common and the more hidden auto insurance savings.
- Switch and Save Discount - A few insurance companies allow discounts for switching companies prior to the expiration date on your current policy. It's a savings of about 10%.
- Government Employee Discount - Employees or retirees of the government could qualify for a slight premium decrease depending on your company.
- Distant College Student Discount - Youth drivers who are attending college and leave their car at home can receive lower rates.
- Payment Discounts - If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
- Multi-line Discount - Select insurance companies reward you with a discount if you purchase a life policy as well.
- Student Discounts - This discount can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
- Low Mileage - Driving fewer miles can qualify you for cheaper premium rates.
It's important to understand that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, it just doesn't work that way. But all discounts will help reduce your overall premium however.
To find insurers who offer cheap auto insurance quotes in Goodyear in Goodyear, follow this link.
Make smart decisions and lower your rates
Consumers need to have an understanding of some of the factors that help determine the rates you pay for insurance. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that could result in lower insurance prices. Many things are used in the calculation when quoting car insurance. Some are pretty understandable like a motor vehicle report, although others are not as apparent like your continuous coverage or how safe your car is.
Females tend to be lower risk - Statistics show that females take fewer risks when driving. It does not mean women are better drivers. Females and males cause at-fault accidents at a similar rate, but men cause more damage. Not only that, but men also get ticketed for serious violations such as DWI and reckless driving.
Bad credit will cost you - Having a bad credit rating can be an important factor in your rate calculation. If your credit could use some work, you could potentially save money when insuring your vehicle by improving your credit score. People that have excellent credit scores tend to file fewer claims as compared to drivers with worse credit.
Better drivers pay the best prices - Your driving record has a lot to do with how much you pay for insurance. Careful drivers get better rates compared to drivers with tickets. Even one driving citation can increase the cost of insurance twenty percent or more. Drivers who have careless tickets such as DUI or reckless driving may find that they have to to file a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.
Consolidate policies to earn discounts - The majority of companies allow better rates to buyers who buy several policies from them. It's known as a multi-policy discount. Discounts can be 10 percent or more. Even with this discount applied, it's in your best interest to compare other company rates to confirm you are receiving the best rates possible.
Lower deductibles cost more - Physical damage insurance, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Some coverage claims are colliding with a building, damage caused by hail, and damage caused by flying debris. Physical damage deductibles are how much the insured will be required to pay if the claim is covered. The larger the amount the insured has to pay upfront, the better rate you will receive.
How many miles do you drive? - The more miles you rack up on your car in a year the higher your rate. Many insurance companies price each vehicle's coverage partially by how you use the vehicle. Vehicles not used for work or commuting receive lower rates than vehicles that are driven to work every day. Make sure your declarations sheet shows how each vehicle is driven, because improper ratings can cost you money.
Lower rates come with age - Older insureds are more responsible, tend to cause fewer accidents, and receive fewer citations.Beginning drivers are statistically proven to be easily distracted when at the wheel of a vehicle so they pay higher insurance rates.
When do I need an agent's advice?
When quoting and comparing a policy, there is no perfect coverage plan. Everyone's needs are different so this has to be addressed. For instance, these questions might help in determining whether or not you would benefit from professional advice.
- Do I have coverage if my license is suspended?
- Is my son or daughter covered when driving my car?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Should I have a commercial auto policy?
- Are rental cars covered under my policy?
- What is the ISO rating for a vehicle?
- What is the premium to book value ratio for dropping full coverage?
If it's difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
Local insurance agents
A small number of people still prefer to talk to a local agent and we recommend doing that Good insurance agents are very good at helping people manage risk and help file insurance claims. One of the great benefits of getting online price quotes is that drivers can save money and get the lowest rates and still have a local agent. Buying from local agencies is definitely important in Goodyear.
After completing this simple form, your coverage information is transmitted to local insurance agents in Goodyear who will return price quotes for your car insurance coverage. There is no reason to find an agent on your own as quotes are delivered to your email. If you need to quote rates from one company in particular, you would need to navigate to their website and complete a quote there.
When researching a reliable insurance agency, it's helpful to know the different types of agents and how they are slightly different. Car insurance agents in Goodyear can be categorized as either independent agents or exclusive agents. Both can properly insure your vehicles, but it's a good idea to understand why they differ since it can affect your agent selection.
Independent Car Insurance Agencies
Independent insurance agents are not employed by any specific company so as a result can place your coverage through many different car insurance companies and find the cheapest rate. If your premiums go up, the agent simply finds a different carrier which is easy for the insured. When comparing rates, we recommend you include price quotes from at a minimum one independent agency in order to have the best price comparison. Most have the option of insuring with different regional companies which can be an advantage.
Exclusive agents generally can only insure with one company such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to compare rates from other companies so keep that in mind. These agents are well schooled on sales techniques and that enables them to sell even at higher rates. Many people use the same agent primarily because of the prominence of the brand instead of buying on price only.
Choosing the best insurance agent requires you to look at more than just the premium amount. You should also get answers to these questions.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Are they primarily personal or commercial lines agents in Goodyear?
- Are they properly licensed to sell insurance in Arizona?
- How long have they been in business?
- Are there any discounts that you might be missing?
- Does the company allow you to choose your own collision repair facility?
You can lower your insurance rates
We just presented a lot of ways to find cheaper coverage online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Drivers may even discover the lowest premium rates are with a small mutual company. Regional companies can often provide lower prices in certain areas as compared to the big name companies such as GEICO and State Farm.
Budget-conscious insurance is possible on the web and also from your neighborhood Goodyear agents, so you should compare both to have the best chance of lowering rates. Some companies may not have online quoting and these regional carriers only sell coverage through independent agents.
To learn more, take a look at the resources below:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- What is the Cheapest Car Insurance in Casas Adobes, Arizona? (FAQ)
- What is the Cheapest Car Insurance in Maricopa, Arizona? (FAQ)
- Who Has Affordable Auto Insurance for State Employees in Arizona? (FAQ)
- Who Has Affordable Arizona Auto Insurance for Drivers Under 21? (FAQ)
- Who Has Cheap Arizona Car Insurance Rates for Young Drivers? (FAQ)
- Who Has the Cheapest Arizona Auto Insurance for 16 Year Olds? (FAQ)
- Who Has Affordable Auto Insurance for a Toyota Camry in Arizona? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Auto Insurance Basics (Insurance Information Institute)
- Young Drivers: The High Risk Years Video (iihs.org)