Deciding which companies offer the most affordable auto insurance rates for real estate agents will require a little more effort than just picking a company at random. Each insurance company uses their own method for determining rates, so to begin we’ll rank the lowest cost auto insurance companies in Arizona.
It’s important that you understand Tucson auto insurance rates are impacted by many things that control the policy premium. Simply turning a year older, buying a different vehicle, or having a fender bender can produce rate changes that can now make some companies cheaper than competitors.
Find the Cheapest Auto Insurance for Realtors
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $896 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,124 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,164 |
| 8 | Ameriprise Group | $1,208 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | State Farm | $1,323 |
| 13 | Safe Auto | $1,336 |
| 14 | Unitrin | $1,357 |
| 15 | Farmers | $1,391 |
| 16 | American Family | $1,435 |
| 17 | Titan | $1,461 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,552 |
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The Hartford normally has some of the cheapest car insurance rates in Tucson at around $811 per year. This is $617 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the more affordable Tucson, AZ car insurance companies.
As shown in the rates above, if you currently buy coverage from USAA and switched to Auto-Owners, you could realize yearly savings of in the vicinity of $236. Insureds with GEICO might save as much as $243 a year, and Progressive customers might cut rates by $276 a year.
To discover how much you can save, click here to get a free quote or quote rates from the companies below.
Remember that these premium estimates are averages across all ages of drivers and types of vehicles and and are not figured with a vehicle location for real estate agents. So the insurer that can offer you the best rate may not even be in the top 28 companies in the list above. That helps illustrate why you need to get rate quotes using your own driver and vehicle profiles.
The make and model of vehicle you are insuring is probably the largest consideration in finding the best insurance for real estate agents. Vehicles with economical engines, modern passenger safety features, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models. The list below estimates auto insurance rates for a selection of the cheapest automobiles to insure in Arizona.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,204 |
| Honda Accord LX 4-Dr Sedan | $1,214 |
| Honda CR-V EX-L 4WD | $1,269 |
| Chevrolet Impala LT | $1,307 |
| Honda Odyssey LX | $1,320 |
| Ford Focus SEL 4-Dr Sedan | $1,351 |
| Ford F-150 XLT Regular Cab 4WD | $1,359 |
| Toyota Tacoma 4WD | $1,382 |
| Toyota Prius | $1,387 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,418 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,428 |
| Ford Explorer Limited 4WD | $1,456 |
| Toyota RAV4 4WD | $1,464 |
| Dodge Grand Caravan Hero | $1,471 |
| GMC Sierra SLE Regular Cab 2WD | $1,464 |
| Toyota Camry XLE | $1,500 |
| Toyota Corolla S | $1,509 |
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price information does not factor in Tucson, AZ location which can decrease or increase prices significantly.
Based on these rates, we can infer that cars like the Ford Escape, Honda Accord, Honda CR-V, Chevrolet Impala, and Honda Odyssey will definitely be a few of the cheaper vehicles to insure for realtors.
How accidents and violations affect rates in Tucson
The recommended way to enjoy cheap auto insurance premiums for realtors is to drive attentively and avoid traffic citations and accidents. The information below demonstrates how speeding tickets and at-fault collisions impact auto insurance rates for different categories of driver ages. The premiums assume a married male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of an auto insurance policy in Tucson per year with no accidents and a clean driving record is $1,209. Get written up for two speeding tickets and the average cost swells to $1,661, an increase of $452 each year. Now get one accident along with the two speeding tickets and the annual cost of auto insurance for real estate agents increases to an average of $2,116. That’s an increase of $907, or $76 per month, just for being a little careless behind the wheel!
Full coverage versus liability only rates
Saving on auto insurance should be important to most drivers, and one common way to buy cheap insurance for real estate agents is to not insure for full coverage. The example below shows the difference between auto insurance costs with liability coverage only compared to full coverage. The costs are based on no tickets, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied to the premium.
If all age groups are averaged, physical damage coverage costs an additional $1,579 per year more than carrying just liability coverage. That amount may make you wonder if you should buy full coverage. There is no set rule that is best for determining when to drop physical damage coverage, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.
The illustration below illustrates how choosing a deductible can change insurance prices when researching cheap insurance for real estate agents. The premiums are based on a single female driver, full physical damage coverage, and no discounts are applied.
The data above shows that a 30-year-old driver could lower their policy premium by $380 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $572 by using a $1,000 deductible. Youthful drivers, such as the Age 20 example, could lower their rates $844 every year by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have enough savings to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.