By Bob Mooney
Trying to find the best car insurance can be a little like trying to solve a puzzle. You need to find a policy that fits your risks and a premium that fits your budget. You want everything to come together, but if a piece is missing, you might not get the coverage you need.
Even worse, you might not realize you don’t have the right car insurance coverage until something goes wrong. Every auto insurance company says they have a great deal – but is it really the best deal for you? You won’t know unless you compare multiple coverage offers. That may be easier said than done. There are so many variables that go into coverage that comparing insurance quotes can be like comparing apples and oranges. Before you start Car Insurance comparison shopping, take a moment to learn about the factors that impact your rates.
Your Insurance Coverage Type and Limits
Each state sets minimum requirements for auto insurance, but you don’t really need to worry about this because an auto insurance company won’t sell you a policy that doesn’t satisfy your state’s minimum. Instead, you should focus on getting enough coverage for your needs.
If you want more coverage, you’ll have to pay more. This might seem like a bad thing when you pay your insurance premium. However, if you ever have to file a claim, you might be happy to have higher limits and more robust coverage. In the end, it’s a balancing act between how much you can pay now versus how much risk you want to take in the future.
Here are three things to consider when you compare Arizona Car Insurance quotes:
Coverage Types: Liability coverage will pay for injuries and damages to third parties if you cause a crash. If you want to protect your vehicle, you’ll need collision and comprehensive coverages.
Policy Limits: Your policy limit is the maximum your insurer will pay for a liability claim. If the damages exceed the limit, you could be personally responsible for the difference. For this reason, it can be smart to go with higher limits, especially if you have personal assets to protect, like your retirement savings or home.
Deductible: The deductible is the amount you pay out of pocket when you file a claim when your car is damaged. Choosing a higher deductible can lower your insurance premiums, but you need to be able to afford the deductible in case anything happens.
Where and What You Drive
The make and model of vehicle you drive can have a big impact on your Arizona auto insurance rates. More expensive cars typically require more coverage because they are generally more expensive to repair. Safety matters as well, and certain safety and anti-theft features may result in a discount.
Your zip code is another issue. Some areas in Arizona are more prone to theft than others, and traffic and weather risks can also vary from place to place. How much you expect to drive every week can also make a difference. Greater mileage results in greater risk, and your rates can reflect this.
Let Us Help
We are an independent insurance agency that contracts with multiple insurance companies. This allows us to shop around for the most suitable coverage for your needs and budget. When you work with us, you’ll answer a few basic questions. Our agent will guide you through the process and help you with anything you’re not sure about. Then, we will do the heavy lifting of getting Arizona auto insurance quotes from a number of different insurance companies. You’ll be presented with the options, and your agent can help you identify the one that’s right for you.
Want to see how much you can save on car insurance? Contact us. We’re here to help!