Being forced to pay for overpriced car insurance premiums can empty your savings and make it hard to pay other bills.

Unthinkable but true, about 70% of customers have remained with the same car insurance company for over three years, and virtually 40% of consumers have never shopped around. Most drivers in Arizona could pocket about 50% a year just by comparing rates, but they underestimate the rate savings if they switch to a new company. Drivers have multiple insurers to insure vehicles with, and although it's a good thing to have multiple companies, more choices can make it harder to find the best rates.

Consumers need to check car insurance prices as often as possible since insurance prices are constantly changing. Just because you had the lowest rates on car insurance a couple years back a different company probably has better rate quotes today. Ignore everything you know about car insurance because it's time to teach you the fastest way to find better rates and still maintain coverage.

Locating affordable auto insurance in Nogales is not as time-consuming as you think. If you have coverage now or need a new policy, you will benefit by learning to get lower rates without having to cut coverage. Smart shoppers just need to understand the proper way to buy auto insurance online from multiple companies.

The companies shown below are our best choices to provide price quotes in Arizona. If your goal is to find the best auto insurance in Arizona, we recommend you visit as many as you can in order to get a fair rate comparison.

Insurance Price Estimates for Popular Vehicles in Nogales
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $656 $328 $55
Chevrolet Equinox LT 2WD $1,166 $583 $97
Chevrolet Impala LT $910 $455 $76
Chevrolet Silverado LT Extended Cab 2WD $1,014 $507 $85
Dodge Ram Crew Cab TRX 2WD $1,104 $552 $92
Ford Escape XLT 2WD $670 $335 $56
Ford F-150 STX Super Cab 2WD $1,086 $543 $91
Ford Focus SES 2-Dr Coupe $992 $496 $83
Ford Fusion Sport AWD 4-Dr Sedan $1,230 $615 $103
Honda Accord LX-S 2-Dr Coupe $892 $446 $74
Honda CR-V EX-L 4WD $1,012 $506 $84
Honda Civic LX 2-Dr Coupe $1,158 $579 $97
Hyundai Sonata GLS 4-Dr Sedan $1,082 $541 $90
Jeep Grand Cherokee Limited 2WD $1,080 $540 $90
Mazda 3 I Sport 4-Dr Sedan $1,010 $505 $84
Nissan Altima 2.5 S 4-Dr Sedan $750 $375 $63
Toyota Camry SE $986 $493 $82
Toyota Corolla LE $1,272 $636 $106
Toyota Prius $854 $427 $71
Toyota RAV4 Limited 2WD $904 $452 $75
Get Your Own Custom Quote Go

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in your specific Nogales location which can raise or lower auto insurance rates noticeably.

Rate difference between full and liability-only coverage

The diagram below illustrates the difference between Toyota Corolla premium costs with liability coverage only compared to full coverage. The premiums assume no accidents, no driving violations, $250 deductibles, single male driver, and no discounts are factored in.

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

Are you wasting money paying for full coverage?

There is no set rule to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let's assume your Toyota Corolla replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after you pay the deductible. If it's costing in excess of $400 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where buying only liability insurance is not advised. If you haven't satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.

Insurance agent or online?

Many people would prefer to get professional advice from a licensed agent and doing so can bring peace of mind Agents are trained risk managers and help in the event of a claim. One of the best bonuses of price shopping on the web is you may find cheap insurance rates and still have an agent to talk to. Buying insurance from local agencies is still important in Nogales.

Once you complete this quick form, your coverage information gets sent to companies in Nogales who want to provide quotes and help you find cheaper coverage. There is no reason to even leave your home due to the fact that quote results will go to you directly. If you have a need to get a comparison quote from a specific insurance company, feel free to navigate to their website and complete a quote there.

If you want to use a local insurance agency, you must know there are a couple different agency structures from which to choose. Nogales agents can be categorized as either independent or exclusive depending on the company they work for. Both properly insure your vehicles, but it's important to know the subtle differences since it can impact the selection process.

Independent Agencies or Brokers

Agents that choose to be independent can quote rates with many companies so they have the ability to put coverage with an assortment of companies and find you cheaper rates. If they find a lower price, they can switch companies in-house which makes it simple for you. If you need cheaper insurance rates, you will definitely want to get several quotes from at a minimum one independent agency to have the most options to choose from.

Exclusive Insurance Agencies

Agents in the exclusive channel write business for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to provide other company's prices so it's a take it or leave it situation. They are trained well on sales techniques which helps them compete with independent agents.

Finding the right car insurance agent should depend on more than just a low price. The questions below may impact your decision as well.

Insurance losses by coverage

Which vehicles statistically have the fewest claims? The statistics tables below outline the good and bad vehicle makes and models for overall likelihood of having large claims organized by coverage.

Medical Payment Claims by Vehicle
Lowest Claims Highest Claims
Audi A4 Allroad Mitsubishi Mirage
Chevrolet Silverado 3500 Chevrolet Sonic
Ford Expedition Dodge Charger
Land Rover Range Rover Sport Chrysler 200
Chevrolet Silverado 2500 Mitsubishi Lancer
Tesla Model S Chevrolet Spark

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

Lowest and Highest Comprehensive Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
GMC Sierra 2500 BMW M6
Infiniti QX50 Porsche Panamera GTS
Chevy Silverado 2500 Bentley Continental GT
Ford F-350 BMW M6
Volvo V60 Maserati Quattroporte
Smart ForTwo Mercedes-Benz S Class

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

Car Insurance Collision Claims by Vehicle
Lowest Claims Highest Claims
GMC Canyon BMW M6
Ford F-150 SuperCrew Audi RS7
Ford F-250 SuperCab Bentley Continental Flying Spur
Mini Cooper Maserati Granturismo
Chevrolet Colorado Maserati Ghibli
Nissan Xterra Nissan GT-R

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

Liability Coverage Claims by Vehicle
Lowest Claims Highest Claims
Audi A6 Chevrolet Cruze
Fiat 500 Mitsubishi Mirage
Mercedes-Benz SL Class Kia Rio
Subaru Outback Kia Optima
Acura MDX Dodge Charger
Chevrolet Corvette Chevrolet Sonic

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