Would you like to find lower-priced auto insurance rates in Tucson, AZ? Overpriced auto insurance in Tucson can sap your checking account and possibly require postponing other expenditures. Comparing rate quotes can save money and help to cut your insurance bill.

Statistics show that over 70% of consumers kept their coverage with the same auto insurance company for at least the last four years, and approximately 40% of consumers have never taken the time to shop around. With the average premium in Arizona being $1,578, drivers could save an average of almost 50% each year just by getting comparison quotes, but most undervalue how much savings they would realize if they bought a different policy. People have multiple insurance companies to pick from, and even though it's nice to be able to choose, it can be more difficult to compare rates and find the lowest cost auto insurance.

The goal of this article is to tell you how car insurance works and some money-saving tips. If you are already insured, you will most likely be able to reduce premiums using the ideas covered in this article. Vehicle owners only have to learn how to compare price quotes from many companies at once.

The following companies have been selected to offer free quotes in Arizona. If you want cheap auto insurance in Arizona, we suggest you visit several of them in order to find the most competitive rates.

Insurance Estimates for Popular Vehicles in Tucson
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,300 $650 $108
Chevrolet Malibu Hybrid $906 $453 $76
Chevrolet Silverado LT Crew Cab 2WD $1,222 $611 $102
Dodge Ram Crew Cab Sport 2WD $1,242 $621 $104
Ford Escape XLT 4WD $770 $385 $64
Ford F-150 FX2 2WD $1,016 $508 $85
Ford Focus SEL 4-Dr Sedan $1,108 $554 $92
Ford Fusion SEL 4-Dr Sedan $982 $491 $82
Honda Accord LX 4-Dr Sedan $864 $432 $72
Honda CR-V LX 2WD $984 $492 $82
Honda Civic EX 4-Dr Sedan $1,218 $609 $102
Hyundai Sonata GLS 4-Dr Sedan $1,066 $533 $89
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,168 $584 $97
Nissan Altima 3.5 SR 4-Dr Sedan $860 $430 $72
Nissan Rogue S 2WD $1,012 $506 $84
Toyota Camry Hybrid $1,158 $579 $97
Toyota Corolla XRS $854 $427 $71
Toyota Prius $840 $420 $70
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,086 $543 $91
Get Your Own Custom Quote Go

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in vehicle location which can affect premium rates significantly.

Poor driving habits will raise your auto insurance rates

The information below shows how violations and fender-benders raise Nissan Sentra car insurance costs for each different age group. The costs are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are factored in.

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

Cheaper rates with these discounts

Buying car insurance is not cheap, but you may be missing some discounts that many consumers don't even know exist. Certain discounts will be triggered automatically when you get a quote, but once in a while a discount must be specially asked for before you get the savings.Discount car insurance

As a sidenote, some credits don't apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, it's just not the way it works.

A partial list of companies that have most of the discounts above include:

It's a good idea to ask each company or agent which discounts you may be entitled to. Savings may not apply to policies in Tucson. To see a list of car insurance companies who offer free car insurance quotes in Tucson, click here to view.

Independent and exclusive insurance agencies

Many people would prefer to sit down with an agent and that is not a bad decision Good agents can answer important questions and help you file claims. One of the benefits of getting free rate quotes online is that you can obtain the best rates and also buy local. And buying from local agents is important especially in Tucson.

To help locate an agent, after submitting this quick form, the coverage information gets sent to local insurance agents in Tucson who will give you bids for your insurance coverage. There is no reason to contact an agency because prices are sent to you. In the event you want to quote rates from a specific insurance company, don't hesitate to navigate to their website and give them your coverage information.

Finding the right insurance company is decision based upon more than just the bottom line cost. Below are some questions you should ask.

Once you have good feedback to any questions you may have as well as offering an affordable quote, it's a good possibility that you have found a company that can be trusted to insure your vehicles.

Why you might pay higher rates in Tucson

Many factors are taken into consideration when you get a price on insurance. Some are pretty understandable like an MVR report, but other criteria are more obscure like your vehicle usage or your vehicle rating.

Buying the right vehicle insurance in Arizona is an important decision

Despite the high cost, buying car insurance is required for several reasons.

The benefits of insuring your car outweigh the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver is currently overpaying as much as $869 every year so shop around once a year at a minimum to help ensure money is not being wasted.

Auto insurance claim statistics

Which vehicles statistically have the fewest claims? The data below list the highest and lowest models for likelihood of filing claims organized by coverage.

Medical Payment Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 2500 Nissan Versa
Ford F-350 SuperCrew Mitsubishi Mirage
Chevrolet Silverado 3500 Hyundai Accent
Audi A4 Allroad Chevrolet Sonic
Ford Expedition Dodge Charger
Tesla Model S Chrysler 200

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

Collision Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab Bently Continental GT
Mini Cooper Ferrari 458
Smart ForTwo BMW 6 Series
Ford F-150 SuperCrew Bentley Continental Flying Spur
Ford Edge Maserati Ghibli
Nissan Xterra Maserati Granturismo

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

Vehicles with the Lowest and Highest Comprehensive Claims
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Bentley Continental GTC
Chevy Silverado 2500 BMW M6
Smart ForTwo Maserati Quattroporte
Infiniti QX50 Audi S7
Volvo V60 Maserati Granturismo
Chevy Spark Mercedes-Benz S Class

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

Liability Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Acura MDX Mitsubishi Mirage
Fiat 500 Hyndai Accent
Subaru Outback Chevrolet Sonic
Subaru Forester Mitsubishi Lancer
Mercedes-Benz SL Class Chevrolet Impala
Volvo XC60 Kia Rio

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

Don't give up on cheap rates

As you restructure your insurance plan, it's a bad idea to sacrifice coverage to reduce premiums. In many instances, an insured cut comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the best cost and still be able to protect your assets.

Budget-conscious car insurance is attainable online as well as from insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not offer rates over the internet and usually these smaller providers prefer to sell through independent insurance agents.

We've covered a lot of techniques to save on car insurance in Tucson. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even discover the lowest auto insurance rates come from some of the lesser-known companies. Smaller companies may only write in your state and offer lower premium rates than the large multi-state companies such as Allstate, GEICO and Progressive.

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