Are you regretting buying an expensive car insurance policy? Believe me, many consumers are feeling buyer's remorse and feel like there's no way out.

Statistics show that the vast majority of consumers in Arizona have bought car insurance from the same company for more than four years, and almost 40% of drivers have never taken the time to shop around. Most drivers in America could pocket about $850 a year just by shopping around, but they mistakenly think it's difficult to compare rate quotes. Multiple auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the cheapest price on car insurance.

You should take the time to check car insurance prices once or twice a year because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best price on car insurance a couple years back you can probably find a better rate now. Forget anything you know (or think you know) about car insurance because it's time to teach you the best way to find lower rates on car insurance.

If you have insurance now or just want to reduce your rates, follow these tips to cut your premiums while maximizing coverage. Locating the most cost-effective auto insurance policy in Sierra Vista can be easy if you know a few tricks. Comparison shoppers just need to know the best way to shop from multiple carriers.

Finding a better price on car insurance can be quick and easy. You just have to spend a few minutes on the computer getting comparison quotes to find out which insurance company has cheaper Sierra Vista auto insurance quotes.

Doing price comparisons online is so simple that it replaces the need to actually drive to each insurance agency near you. The ability to buy insurance online makes this unnecessary unless you require the guidance that you can only get from talking to an agent. You can, however, comparison shop your insurance online but buy from a local Sierra Vista insurance agent.

The companies in the list below are ready to provide comparison quotes in Sierra Vista, AZ. To buy cheaper car insurance in Arizona, we recommend you compare several of them to get the best price comparison.

Insurance Cost Estimates for Popular Vehicles in Sierra Vista
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $590 $295 $49
Chevrolet Equinox LT AWD $790 $395 $66
Chevrolet Silverado LT Regular Cab 2WD $1,256 $628 $105
Dodge Ram Quad Cab ST 2WD $1,182 $591 $99
Ford Edge SE AWD $1,014 $507 $85
Ford Escape XLS 2WD $590 $295 $49
Ford F-150 XLT Regular Cab 2WD $936 $468 $78
Ford Focus SEL 4-Dr Sedan $798 $399 $67
Honda Accord LX 4-Dr Sedan $800 $400 $67
Honda CR-V LX 4WD $590 $295 $49
Honda Civic LX-S 4-Dr Sedan $1,244 $622 $104
Honda Odyssey LX $948 $474 $79
Hyundai Sonata GLS 4-Dr Sedan $746 $373 $62
Nissan Altima 3.5 SR 4-Dr Sedan $848 $424 $71
Toyota Camry XLE $1,052 $526 $88
Toyota Corolla S $952 $476 $79
Toyota Tacoma Double Cab 4WD $1,032 $516 $86
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Information does not factor in specific location information which can change auto insurance rates noticeably.

Analysis of deductible levels

The illustration below shows how choosing a deductible and can increase or decrease Nissan Sentra insurance premiums for different age groups of insureds. Data assumes a single female driver, full physical damage coverage, and no additional discounts are factored in.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Poor driving habits will raise your car insurance rates

The diagram below demonstrates how speeding tickets and accidents can raise Nissan Sentra insurance premiums for different age categories. The data is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Car insurance deductibles

When buying car insurance, a common question is how high should the deductibles for physical damage be. The tables below approximate the premium difference when you select higher and lower physical damage deductibles. The first data table uses a $250 deductible and the second set of rates uses a $500 deductible.

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

Ford Focus insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $202 $390 $300 $18 $90 $1,025 $85
Focus SE 4-Dr Sedan $202 $390 $300 $18 $90 $1,025 $85
Focus SEL 4-Dr Sedan $202 $460 $300 $18 $90 $1,095 $91
Focus SES 4-Dr Sedan $202 $460 $300 $18 $90 $1,095 $91
Focus SE 2-Dr Coupe $232 $460 $338 $20 $102 $1,177 $98
Focus SES 2-Dr Coupe $232 $460 $338 $20 $102 $1,177 $98
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Ford Focus insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $164 $314 $300 $18 $90 $886 $74
Focus SE 4-Dr Sedan $164 $314 $300 $18 $90 $886 $74
Focus SEL 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Focus SES 4-Dr Sedan $164 $370 $300 $18 $90 $942 $79
Focus SE 2-Dr Coupe $188 $370 $338 $20 $102 $1,018 $85
Focus SES 2-Dr Coupe $188 $370 $338 $20 $102 $1,018 $85
Get a Quote for Your Vehicle Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate information does not factor in specific zip code location which can decrease or increase coverage rates considerably.

Based on the above data, using a $250 deductible will cost you roughly $12 more each month or $144 annually than quoting the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 21 months between claim filings, you would save more money by going with a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $91
Average monthly premium for $500 deductibles (subtract): - $79
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One thing to note is that increasing deductibles to lower your rates results in more money out-of-pocket at claim time. That will force you to have enough disposable savings in the event you need to pay the higher deductible in order to repair your vehicle.

Car insurance policy discounts

Car insurance is expensive, but there are discounts available that may help make it more affordable. Some discounts will apply at the time of quoting, but a few need to be manually applied before you get the savings.Discount car insurance

While discounts sound great, it's important to understand that most discount credits are not given to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride. Any amount of discount will definitely lower your overall bill.

Auto insurance companies that may have most of these discounts may include but are not limited to:

Check with all the companies the best way to save money. Some discounts may not apply in Sierra Vista.

Why you need to buy insurance

Even though rates can get expensive, insuring your vehicle serves a purpose in several ways.

First, the majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance coverage 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 bought your vehicle with a loan, more than likely the lender will make it a condition of the loan that you buy full coverage to guarantee loan repayment. If you do not keep the policy in force, the lender may insure your vehicle for a much higher rate and force you to pay the higher premium.

Third, insurance safeguards both your assets and your vehicle. It also can pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will pay to repair the damage.

The benefits of buying insurance greatly outweigh the cost, particularly for liability claims. But the average American driver is overpaying over $825 a year so it's very important to do a rate comparison every year to ensure rates are inline.

Insurance agents can help

Many people prefer to talk to a local agent and that is a smart decision Good agents can answer important questions and help in the event of a claim. One of the benefits of comparing rate quotes online is that you can obtain lower rates and still buy from a local agent.

Find insurance agent in Sierra VistaTo make it easy to find an agent, after completing this quick form, the coverage information is emailed to agents in your area who will give you quotes for your auto insurance coverage. You won't even need to contact any agents due to the fact that quote results will go to your email. If for some reason you want to compare prices from one company in particular, you just need to jump over to their website and submit a quote form there.

Picking an insurer requires more thought than just a low price. The questions below may impact your decision as well.

If you need to find a reliable insurance agency, there are two different types of agents to choose from. Insurance agencies in Sierra Vista can be categorized as either exclusive or independent (non-exclusive). Either can do a good job, but it's worth learning how they differ since it could factor into which agent you choose.

Exclusive Auto Insurance Agencies

Agents in the exclusive channel generally can only insure with one company and examples are State Farm, Allstate, or Farmers Insurance. They are unable to compare other company's rates so they really need to provide good service. Exclusive agents receive extensive training on the products they sell and that enables them to sell even at higher rates.

Independent Agents

Independent agencies often have affiliation with several companies so they have the ability to put coverage through many different auto insurance companies and get you the best rates possible. If your premiums go up, they simply switch companies in-house and you can keep the same agent. When comparing rates, we highly recommend that you include rate quotes from several independent insurance agents to have the best price comparison.

After you get acceptable answers to all your questions as well as cheaper Sierra Vista auto insurance quotes, it's possible that you found a car insurance agent that is professional and can properly insure your vehicles.