Tuscon drivers have it pretty good when it comes to car insurance rates. Due to our great weather, mother nature doesn’t do a lot of damage to our vehicles, which helps keep our rates down. But many drivers still don’t understand WHY car insurance is required or what benefits it provides.
First, if you took out a loan on your vehicle, more than likely the lender will make it mandatory that you buy insurance to guarantee loan repayment. If you do not keep the policy in force, the bank will be required to insure your vehicle at a more expensive rate and require you to fork over for the expensive policy.
Second, almost all 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 license the vehicle. 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.
Third, car insurance protects not only your vehicle but also your assets. It will also cover medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you have damage to your vehicle as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of buying car insurance are definitely more than the cost, specifically if you ever have a liability claim. Today the average American driver is currently overpaying as much as $850 per year so you should quote and compare rates at least once a year to help ensure money is not being wasted.
The price you pay for auto insurance coverage is dependent on a lot of factors, but the average price for coverage in Tucson is approximately $1,020 for an annual policy. Other states pay roughly $1,230, so Tucson drivers pay around $17 less every month on average than drivers in surrounding states.
Auto insurance rates are determined by many factors, and one of the largest components is your choice of vehicle. The pricing data below shows the policy premium for popular cars, trucks, and SUVs in Tucson.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado LT Extended Cab 4WD | $1,004 | $502 | $84 |
| Chevrolet Silverado LT Crew Cab 4WD | $1,292 | $646 | $108 |
| Dodge Grand Caravan SXT | $1,222 | $611 | $102 |
| Dodge Ram Crew Cab ST 4WD | $1,290 | $645 | $108 |
| Ford Escape XLT 4WD | $1,038 | $519 | $87 |
| Ford F-150 STX Regular Cab 4WD | $1,118 | $559 | $93 |
| Ford Focus SES 4-Dr Sedan | $1,224 | $612 | $102 |
| Honda Accord LX 4-Dr Sedan | $1,004 | $502 | $84 |
| Honda CR-V EX 4WD | $1,038 | $519 | $87 |
| Honda Civic SI 4-Dr Sedan | $1,328 | $664 | $111 |
| Hyundai Elantra GLS Touring Station Wagon | $1,004 | $502 | $84 |
| Nissan Altima 2.5 4-Dr Sedan | $1,188 | $594 | $99 |
| Toyota Camry XLE | $1,258 | $629 | $105 |
| Toyota Corolla XRS | $1,292 | $646 | $108 |
| Toyota Prius | $1,142 | $571 | $95 |
| Toyota Tacoma Double Cab 4WD | $1,188 | $594 | $99 |
| Get Rate Quotes for Your Vehicle Go | |||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in specific garaging location which can affect auto insurance rates considerably.
Accidents and violations increase rates
The illustration below illustrates how violations and at-fault collisions can affect premium costs for each different age category. The premiums assume a single female driver, full coverage, $250 deductibles, and no discounts are factored in.
How to find cheaper Tucson car insurance rates
Comparing prices at least once a year is a great way to help ensure you are not overpaying for car insurance. You can compare rates by following these steps.
- Take a few minutes and learn about how companies price auto insurance and the modifications you can make to prevent rate increases. Many rating criteria that drive up the price like traffic citations, accidents, and a less-than-favorable credit score can be improved by making minor driving habit or lifestyle changes.
- Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO and Allstate, while independent agents can quote rates for many different companies.
- Compare the new quotes to the price on your current policy to see if cheaper coverage is available in Tucson. If you find a lower rate and buy the policy, make sure coverage does not lapse between policies.
- Provide notification to your current agent or company to cancel your current car insurance policy. Submit a down payment along with a completed application to the new insurer. As soon as coverage is bound, safely store the certificate of insurance in your vehicle.
One thing to remember is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote and and to get price estimates from as many auto insurance providers as possible. Doing this ensures an accurate price comparison and many rates to choose from.