Are you baffled by the dozens of car insurance companies in Tucson? Lot’s of other drivers are too. Vehicle owners have such a vast assortment of companies available that it can easily turn into a real difficult job to find the perfect company for you. Tucson is a good city to live in, but inflated car insurance prices can make it hard for many drivers to afford enough coverage.
Steps to quoting cheaper Ford Five Hundred insurance in Tucson
The preferred way to get the cheapest Ford Five Hundred insurance in Tucson is to begin comparing prices regularly from insurance carriers in Arizona.
- Spend some time learning about how auto insurance works and the measures you can take to keep rates in check. Many things that result in higher rates such as at-fault accidents and bad credit can be eliminated by making lifestyle changes or driving safer.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from one company like Progressive and State Farm, while independent agents can give you price quotes from multiple sources.
- Compare the new quotes to the price on your current policy to determine if switching companies saves money. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Provide written notification to your current company to cancel your current policy. Submit a down payment and signed policy application for the new policy. As soon as you have the new policy, keep the new proof of insurance certificate above your visor, in the console, or in the glove compartment.
One key aspect of rate comparisons is to use the same level of coverage on each quote request and and to get price quotes from as many car insurance companies as possible. This provides the most accurate price comparison and a thorough selection of prices.
It’s an obvious conclusion that insurance companies don’t want you to look for a cheaper policy. Insureds who perform rate comparisons are very likely to switch car insurance companies because there is a high probability of finding a lower-cost company. Remarkably, a study showed that people who compared rates once a year saved as much as $70 a month compared to people who didn’t regularly shop around.
If finding the best rates on Ford Five Hundred insurance in Tucson is your ultimate objective, knowing how to shop and compare car insurance can help you succeed in finding affordable rates.
It is always a good idea to compare rates every six months since prices trend upward over time. Even if you got the lowest rates on Ford Five Hundred insurance in Tucson a few years ago there may be better deals available now. You can search a lot of Five Hundred insurance on the web, but you can learn some good information on how to lower your car insurance premiums.
The best way we recommend to get rate comparisons for Ford Five Hundred insurance in Tucson is to understand all the major auto insurance companies actually pay money for the chance to give free rates quotes. To begin a comparison, all you need to do is provide details like if you’re married, which vehicles you own, deductibles desired, and what your job is. Your details is automatically sent to many highly-rated insurers and you get price estimates within a short period of time.
If you would like to start a quote now, click here and find out if lower rates are available in Tucson.
The companies shown below offer price quotes in Arizona. If your goal is to find the best cheap car insurance in Tucson, we recommend you visit several of them to get the lowest price.
Get affordable rates by applying these ten discounts
Some insurance providers don’t always advertise every discount they offer very well, so we took the time to find both well-publicized and the more hidden credits that may apply to you.
- Paperless Signup – Some insurance companies may give you up to $50 for buying a policy and signing up on the internet.
- Anti-lock Brakes – Cars and trucks with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
- Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently so companies will give you a small discount.
- Telematics Data Discounts – People who choose to allow driving data collection to track driving habits by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
- Professional Memberships – Being a member of certain professional organizations could qualify you for a break on your next auto insurance statement.
- Fewer Miles Equal More Savings – Low annual miles can earn cheaper premium rates.
- Multi-line Discount – If the company offers life insurance, you could get a break if you buy auto and life insurance together.
- Mature Driver Discount – Drivers over the age of 55 could receive a discount up to 10%.
- Air Bag Discount – Options like air bags or motorized seat belts may qualify for discounts of more than 20%.
- Tucson Homeowners Discount – Owning your own home or condo can save you money because maintaining a house shows financial diligence.
One thing to note about discounts is that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will definitely lower your premiums.
Larger auto insurance companies and their possible discounts include:
- State Farm may offer discounts for passive restraint, multiple autos, anti-theft, Drive Safe & Save, student away at school, Steer Clear safe driver discount, and accident-free.
- Nationwide offers discounts for anti-theft, multi-policy, family plan, Farm Bureau membership, and accident-free.
- GEICO policyholders can earn discounts including defensive driver, military active duty, anti-theft, good student, driver training, and federal employee.
- AAA offers discounts including pay-in-full, multi-car, good student, anti-theft, multi-policy, and good driver.
- 21st Century may have discounts that include early bird, automatic seat belts, 55 and older, air bags, homeowners, and defensive driver.
- The Hartford discounts include good student, driver training, air bag, vehicle fuel type, defensive driver, and anti-theft.
If you want the cheapest Ford Five Hundred rate quotes, ask every prospective company which discounts you may be entitled to. Discounts may not apply in every state.
Three reasons to not skimp on auto insurance
Despite the high cost of buying insurance for a Ford Five Hundred in Tucson, paying for auto insurance is most likely required but also gives you several important benefits.
- The majority of states have compulsory liability insurance requirements which means you are required to buy a minimum amount of liability protection in order to be legal. 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.
- If you bought your vehicle with a loan, it’s guaranteed your bank will require you to have physical damage coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender may insure your Ford at a much higher premium rate and force you to pay for the much more expensive policy.
- Auto insurance preserves your car and your assets. It also can pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance are definitely more than the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer overpays as much as $865 each year so compare rate quotes at every renewal to save money.
How to know if you need help
When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are unique to you and your policy should reflect that.
Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.
- Does coverage extend to a rental car in a foreign country?
- Why does it cost so much to insure a teen driver in Tucson?
- Is pet coverage available?
- How much underlying liability do I need for an umbrella policy?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Are rock-chip repairs free?
- Does having multiple vehicles earn me a discount?
- What can I do if my company denied a claim?
- Should I rate my vehicle as business use?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.
Do I need an insurance agent?
Some people just want to talk to a local agent and that is not a bad decision One of the best bonuses of comparing auto insurance online is you can get better rates and still choose a local agent. And providing support for small agencies is especially important in Tucson.
After completing this form (opens in new window), your information gets sent to participating agents in Tucson who want to provide quotes for your insurance coverage. There is no need to leave your house since rate quotes are delivered instantly to you. It’s the lowest rates and work with a local agent. In the event you want to get a rate quote from one company in particular, you just need to navigate to their website and give them your coverage information.
If you are wanting to find a reliable agent, there are two different agency structures that you can select. Tucson agents can be categorized as either exclusive or independent.
Independent Auto Insurance Agents
Independent insurance agents can quote rates with many companies so they can insure your vehicles with many different companies and find you cheaper rates. If you are not satisfied with one company, your agent can switch companies and you can keep the same agent.
When comparing auto insurance rates, we recommend you contact at a minimum one independent agency to get the most accurate price comparison. Many can place coverage with additional companies that you may not be familiar with who may have lower rates.
The following is a short list of independent agencies in Tucson that may be able to provide rate quotes.
- Allied Insurance Group
2424 E Broadway Blvd # 114 – Tucson, AZ 85719 – (520) 918-2886 – View Map - Oasis Insurance
405 E Wetmore Rd g115 – Tucson, AZ 85705 – (520) 888-5000 – View Map - Clements
6245 E Broadway BlvdSte 310 – Tucson, AZ 85711 – (520) 624-3456 – View Map
Exclusive Agents
Exclusive agents normally can only provide a single company’s rates and examples are American Family, State Farm, and AAA. They are unable to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agencies are trained well on their company’s products which helps overcome the inability to quote other rates. Many people use the same exclusive agent primarily because of loyalty to the company and solid financial strength.
The following is a short list of exclusive insurance agencies in Tucson that can give you price quote information.
- Gene Molina – State Farm Insurance Agent
2160 W Holladay St – Tucson, AZ 85746 – (520) 883-1500 – View Map - Casey Santoro – State Farm Insurance Agent
4231 W Ina Rd Ste 121 – Tucson, AZ 85741 – (520) 744-2400 – View Map - American Family Insurance – Marla Avina Agency Inc.
1101 S Sherwood Village Dr – Tucson, AZ 85710 – (520) 546-8877 – View Map
Deciding on a car insurance agent shouldn’t rely on just the bottom line cost. These questions are important to ask:
- What company do they have the most business with?
- How long have they worked with personal auto insurance coverage?
- Is the coverage adequate for your vehicle?
- Has the agent ever had any license suspensions?
- How many years have they been established?
- Which insurance companies are they affiliated with?
- If you have an accident, will your rates go up?
Once you have received good answers to all your questions as well as low cost Ford Five Hundred insurance quotes, you may have found an insurance agency that is a good match to properly service your auto insurance policy.
Specific coverage details
Knowing the specifics of a insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.
UM/UIM Coverage
This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Five Hundred.
Because many people only purchase the least amount of liability that is required (which is 15/30/10), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Collision insurance
Collision coverage covers damage to your Five Hundred caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like damaging your car on a curb, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible on your Five Hundred to bring the cost down.
Comprehensive or Other Than Collision
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as falling objects, a broken windshield and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Liability
Liability coverage protects you from damage that occurs to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 15/30/10 which means a limit of $15,000 per injured person, $30,000 for the entire accident, and $10,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers claims like court costs, attorney fees, loss of income and legal defense fees. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford. Arizona requires minimum liability limits of 15/30/10 but you should think about purchasing more liability than the minimum.
The next chart shows why the minimum limit may not be enough.
Medical costs insurance
Coverage for medical payments and/or PIP pay for short-term medical expenses for things like funeral costs, rehabilitation expenses, X-ray expenses and surgery. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage