How long have you put off shopping around for low-cost car insurance rates in Eloy, AZ? Finding low cost car insurance could be nearly impossible for beginners to online price comparisons. With dozens of online companies, it can quickly become a real challenge to find the perfect company for you.

It's shocking but the majority of drivers have stayed with the same insurance company for over three years, and just short of a majority have never compared rates to find cheaper insurance. Most drivers in Arizona could cut their rates by about 50% a year, but they won't spend time to compare other rate quotes.

Smart consumers take time to price shop coverage every six months because prices change regularly. If you had the best deal on car insurance two years ago you can probably find a better rate quote now. Ignore everything you know about car insurance because you're about to find out how to quote online to find great coverage at a great price.

Cheapest car insurance companies in Eloy

The providers in the list below offer price quotes in Eloy, AZ. If you want the best cheap car insurance in Arizona, we suggest you visit several of them to get a more complete price comparison.

Insurance Cost Estimates for Popular Vehicles in Eloy
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT AWD $946 $473 $79
Chevrolet Impala LT $944 $472 $79
Chevrolet Silverado LS Regular Cab 2WD $854 $427 $71
Dodge Ram Quad Cab Sport 4WD $1,104 $552 $92
Ford Escape XLT 4WD $900 $450 $75
Ford F-150 Lariat Super Cab 2WD $838 $419 $70
Ford Focus S 4-Dr Sedan $1,000 $500 $83
Honda Accord EX 4-Dr Sedan $602 $301 $50
Honda CR-V EX-L 2WD $922 $461 $77
Honda Civic EX 2-Dr Coupe $1,256 $628 $105
Hyundai Elantra SE Touring Station Wagon $1,092 $546 $91
Hyundai Sonata GLS 4-Dr Sedan $956 $478 $80
Jeep Wrangler Sport Islander Package 4WD 2-Dr $830 $415 $69
Mazda 3 S Sport 4-Dr Hatchback $986 $493 $82
Nissan Altima 3.5 SR 2-Dr Coupe $948 $474 $79
Toyota Camry LE $896 $448 $75
Toyota Corolla XLE $836 $418 $70
Get Your Own Custom Quote Go

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Information does not factor in garaging location in Eloy which can raise or lower premium rates noticeably.

Auto insurance premiums based on gender

The example below shows the comparison of car insurance rates for male and female drivers in Eloy. The costs are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are factored in on a Ford Focus SES.

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

Discounts mean cheaper rates

Insurance can be pricey, but you might find some hidden discounts that many consumers don't even know exist. Some of these discounts will be visible at the time you complete a quote, but some need to be asked about before you get the savings. If you are not receiving all the discounts you qualify for, you could be getting lower rates.Save money with discounts

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, it doesn't quite work that way.

For a list of insurance companies with significant discounts in Arizona, follow this link.

Price influencing factors

Smart consumers have a good feel for some of the things that go into determining your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that may reward you with cheaper rates. Multiple criteria are considered when you get a price on insurance. A few of the factors are predictable like your driving record, but other criteria are more obscure like your vehicle usage or your commute time.

Discounts for married couples - Walking down the aisle may cut your premiums compared to being single. Having a significant other usually means you are less irresponsible and insurance companies like that married drivers get in fewer accidents.

What are good liability limits? - A critical coverage on your policy, liability insurance is the protection if ever a jury decides you are liable for damages from an accident. It will provide legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to physical damage coverage, so do not cut corners here.

A insurance policy lapse can increase prices - Going without insurance is a guaranteed way to bump up your insurance costs. In addition to paying higher premiums, getting caught without coverage might get you a steep fine or even jail time.

Know your credit history - Your credit score will be a significant factor in your rate calculation. Insureds that have good credit tend to file fewer claims than drivers with bad credit. If your credit could use some work, you could be paying less to insure your vehicle by improving your credit score.

Driving citations cost more than a fine - Being a careful driver impacts premiums far more than you think. Careful drivers pay lower auto insurance prices than people who have multiple driving citations. Only having one citation can bump up the cost by as much as thirty percent. Drivers who have dangerous citations like DUI, reckless driving or excessive speeding are required to complete a SR-22 with their state in order to keep their license.

Rural vs Urban Areas - Being located in less populated areas of the country is a good thing when insuring your vehicles. Less people means reduced accidents as well as less vandalism and auto theft. Residents of big cities have more aggressive driving styles and more time behind the wheel. Spending more time driving can result in more accidents.

Do you know your comp and collision deductibles? - The deductibles you choose define how much the insured will be required to pay if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Examples of some claims that would be covered are rearending another vehicle, collision with a deer, and damage from wind. The more damage repair cost you choose to pay out-of-pocket, the better rate you will receive.

Well known brands might not be cheapest

Insurance providers like State Farm, GEICO and Progressive endlessly run television and radio advertisements. They all seem to advertise claims that people will save if you switch your coverage to them. Is it even possible that every company can charge less that you're paying now? This is the way they can do it.

All the different companies have a certain "appetite" for the type of customer that earns them the most money. For example, this type of insured might be described as between 25 and 40, has a clear driving record, and has excellent credit. Anybody that meets those criteria receives the best prices in Eloy and have a good chance to save when switching.

Potential insureds who cannot meet the ideal profile may be required to pay higher premiums which results in the prospect going elsewhere. If you pay close attention to the ads, they say "drivers that switch" not "all people who quote" save that much when switching. That is how companies can truthfully make those statements.

This really illustrates why you absolutely need to compare rate quotes every year. It is impossible to predict which insurance companies will have the best insurance in Eloy.

Car insurance claim information

Do you own a vehicle likely to have a claim? The following tables list the best and worst cars and trucks for the probability of having claims organized by coverage.

Lowest and Highest Medical Payment Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 3500 Nissan Sentra
Chevrolet Silverado 2500 Mitsubishi Lancer
Ford F-350 SuperCrew Dodge Charger
Audi A4 Allroad Kia Forte
Ford F-250 SuperCrew Chevrolet Sonic
Chevrolet Corvette Chevrolet Spark

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

Manufacturer Models with the Lowest and Highest Car Insurance Liability Claims
Lowest Claim Amount Highest Claim Amount
Volvo XC60 Kia Rio
Subaru Forester Chrysler 200
Acura MDX Chevrolet Cruze
Subaru Outback Hyndai Accent
Mercedes-Benz SL Class Chevrolet Sonic
Fiat 500 Kia Optima

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

Car Insurance Comprehensive Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Chevy Silverado 2500 Maserati Quattroporte
GMC Sierra 2500 BMW M6
Infiniti QX50 Mercedes-Benz S Class
Nissan Leaf Audi S7
Nissan Xterra Bentley Continental GTC
Ford F-350 Bentley Continental GT

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

Car Insurance Collision Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab Bently Continental GT
Ford F-150 SuperCrew Bentley Continental Flying Spur
Smart ForTwo Maserati Ghibli
Mini Cooper BMW 6 Series
Chevrolet Colorado Audi RS7
Nissan Xterra BMW M6

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

Cheap insurance rates are out there

We've covered some good ideas how you can compare insurance premium rates in Eloy. It's most important to understand that the more rate comparisons you have, the better chance you'll have of finding low cost Eloy car insurance quotes. Consumers could even find that the most savings is with a small local company.

Cost effective insurance is attainable on the web in addition to local insurance agencies, so you need to shop Eloy car insurance with both to get a complete price analysis. There are still a few companies who do not provide rate quotes online and most of the time these small, regional companies only sell coverage through independent agents.

When trying to cut insurance costs, do not buy less coverage just to save a little money. In many cases, someone sacrificed liability coverage limits and discovered at claim time that they should have had better coverage. Your goal should be to get the best coverage possible at the best possible price while not skimping on critical coverages.

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