Want to learn a better way to compare more affordable car insurance rates in San Luis, AZ? No one in their right mind looks forward to paying premiums for car insurance, particularly when the cost is too high.

It's amazing but nearly 70% of Arizona drivers have remained with the same car insurance company for over three years, and 38% of drivers have never compared car insurance rates at all. With the average premium in the U.S. being $1,847, drivers could save themselves nearly 47% a year, but most tend to underestimate the big savings they would realize if they just switched companies.

Having so many companies to choose from , it is hard for the average consumer to choose the most cost effective insurance company.

You need to compare rates quite often because prices trend upward over time. If you had the best quotes on car insurance at your last renewal you can probably find a lower rate today. There is a lot of wrong information about car insurance online, but I'm going to show you some of the best techniques to lower your car insurance bill.

Companies offer many types of discounts on auto insurance

Some insurers don't always publicize every discount very clearly, so the next list breaks down some of the best known and also the more inconspicuous ways to save on auto insurance. If you do not check that you are getting every discount you qualify for, you may be paying too high a price.Discount auto insurance

We need to note that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears all those discounts means the company will pay you, auto insurance companies aren't that generous.

A few of the larger companies and their offered discounts can be found below.

Double check with each company to apply every possible discount. Some credits might not be offered on policies in every state. For a list of insurers who offer cheap auto insurance quotes in San Luis, click here to view.

It's important to know that comparing a wide range of rates helps you find lower pricing.

The companies in the list below have been selected to offer free quotes in Arizona. To get the best car insurance in Arizona, we suggest you visit as many as you can in order to find the most affordable rates.

Insurance Price Estimates for Popular Vehicles in San Luis
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $994 $497 $83
Chevrolet Malibu LT $1,052 $526 $88
Chevrolet Silverado LTZ Extended Cab 2WD $1,182 $591 $99
Dodge Ram Crew Cab Sport 4WD $1,214 $607 $101
Ford Escape XLT 2WD $672 $336 $56
Ford F-150 FX4 Super Cab 4WD $964 $482 $80
Ford Focus SEL 4-Dr Sedan $1,070 $535 $89
GMC Sierra SLT Extended Cab 2WD $860 $430 $72
Honda Accord EX-L 4-Dr Sedan $756 $378 $63
Honda CR-V EX-L 2WD $808 $404 $67
Honda Civic VP 4-Dr Sedan $736 $368 $61
Honda Odyssey EX W/Rear Entertainment $862 $431 $72
Jeep Grand Cherokee SRT-8 4WD $1,024 $512 $85
Jeep Wrangler Sport 4WD 2-Dr $834 $417 $70
Nissan Altima 2.5 S 4-Dr Sedan $732 $366 $61
Toyota Camry LE $906 $453 $76
Toyota Corolla S $836 $418 $70
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in specific garaging location which can alter coverage rates greatly.

Deductible comparison

The diagram below illustrates how choosing a deductible and can influence Ford Focus annual premium costs for each different age group. The premium estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.

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

Policy deductibles

One of the more difficult decisions when buying auto insurance is where should you set your physical damage deductibles. The comparisons below outline the price difference when you select higher and lower physical damage deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.

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

Ford Fusion insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $232 $390 $300 $18 $90 $1,055 $88
Fusion SE 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
Fusion Hybrid 4-Dr Sedan $262 $530 $374 $22 $112 $1,325 $110
Fusion SEL 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
Fusion Sport 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
Fusion SEL AWD 4-Dr Sedan $292 $530 $300 $18 $90 $1,255 $105
Fusion Sport AWD 4-Dr Sedan $292 $530 $300 $18 $90 $1,255 $105
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Ford Fusion insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $144 $246 $300 $18 $90 $798 $67
Fusion SE 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
Fusion Hybrid 4-Dr Sedan $162 $334 $374 $22 $112 $1,004 $84
Fusion SEL 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
Fusion Sport 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
Fusion SEL AWD 4-Dr Sedan $180 $334 $300 $18 $90 $922 $77
Fusion Sport AWD 4-Dr Sedan $180 $334 $300 $18 $90 $922 $77
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in specific San Luis garaging location which can decrease or increase price quotes significantly.

We can estimate from the data above that using a $250 deductible costs about $25 more each month or $300 annually than choosing the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 30 months between claims, you would more than likely save some money if you choose the higher deductible.

Do the work, save more money

When buying insurance coverage, make sure you don't sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We just covered many ways to get a better price on insurance in San Luis. It's most important to understand that the more companies you get prices for, the higher your chance of finding the cheapest San Luis auto insurance quotes. You may even be surprised to find that the best price on insurance is with a small local company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

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