The words “cheap” and “insurance” probably shouldn’t be used in the same sentence, specifically when looking for the cheapest auto insurance for teachers. Because of the high cost, let’s get started by showing you a few of the factors that determine insurance premiums, and figure out some ways to take the sting out of your next policy.
The vehicle model on the policy is a significant factor that determines the availability of cheaper car insurance for teachers. Vehicles with higher performance characteristics, poor safety features, or a track record of large liability claims will cost more to insure than safer, lower-performance models.
The data below ranks coverage rates for a number of the most economical automobiles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,449 |
| Ford F-150 XLT Regular Cab 2WD | $1,457 |
| Toyota Prius | $1,465 |
| Honda CR-V EX-L 4WD | $1,532 |
| Chevrolet Impala LS | $1,535 |
| Toyota RAV4 Limited 2WD | $1,566 |
| Chevrolet Malibu LT | $1,594 |
| Honda Accord EX-L 4-Dr Sedan | $1,612 |
| Honda Civic VP 4-Dr Sedan | $1,618 |
| Hyundai Elantra SE 4-Dr Sedan | $1,649 |
| Toyota Tacoma 2WD | $1,680 |
| Kia Optima LX | $1,689 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,708 |
| Chevrolet Equinox LS AWD | $1,714 |
| GMC Sierra SLE Crew Cab 2WD | $1,722 |
| Jeep Grand Cherokee Laredo 4WD | $1,714 |
| Dodge Grand Caravan Crew | $1,747 |
| Toyota Camry LE | $1,765 |
| Nissan Altima 2.5 4-Dr Sedan | $1,773 |
| Ford Explorer Limited 2WD | $1,804 |
| Ford Edge Sport 2WD | $1,807 |
| Ford Focus SEL 4-Dr Sedan | $1,810 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,812 |
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific location information which can affect premium rates greatly.
Based upon the rates shown, you can expect cars like the Ford Escape, Ford F-150, Toyota Prius, and Honda CR-V will definitely be some of the most economical vehicles to insure for teachers and educators.
Trying to buy low-cost insurance is not easy, and deciding which companies have the best insurance rates for teachers will take even more perseverance.
Each auto insurance company has a unique approach for setting prices, so let’s begin by examining the most competitive insurance companies in Tucson. We do need to point out that Tucson insurance rates are impacted by many factors which can significantly increase or decrease the price you pay. That is why it is so important to take the time to shop around to get the most affordable auto insurance rates for teachers. Prices are made up of many risk factors and change frequently, so the cheapest option when you bought your policy may now be priced much higher than other options.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $905 |
| 4 | Travelers | $1,108 |
| 5 | USAA | $1,124 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,152 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,184 |
| 10 | Allied | $1,233 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,297 |
| 13 | Unitrin | $1,317 |
| 14 | State Farm | $1,337 |
| 15 | Farmers | $1,350 |
| 16 | Amica | $1,429 |
| 17 | American Family | $1,435 |
| 18 | Titan | $1,461 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,552 |
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The Hartford may have some of the lowest car insurance rates in Tucson at around $836 each year. Auto-Owners, Safeco, Travelers, and USAA also are some of the cheaper Tucson, AZ car insurance companies.
In the above example, if you are a customer of USAA and switched to Auto-Owners, you could realize yearly savings of approximately $236. Arizona drivers with GEICO could save as much as $254 a year, and Progressive policyholders might cut rates by $264 a year.
To find cheaper insurance rates for your vehicle, click here to start a quote or visit several of the following companies.
It’s important to note that these estimates are averages across all types of insureds and vehicles and and are not calculated with an exact zip code location for teachers. So the insurer that has the lowest price for you may not even be in the top 28 companies in the list above. That point stresses why you need to quote rates from many companies using your own driver information and specific vehicle type.
Poor driving habits will raise your insurance rates
The best way to enjoy affordable insurance prices in Arizona for teachers and educators is to drive safe and avoid getting tickets or having accidents. The chart below demonstrates how traffic citations and accident claims can raise insurance prices for different insured age categories. The price estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
The data above shows the average cost of an auto insurance policy per year with no violations or accidents is $1,828. Receive one speeding ticket and the average cost increases to $2,100, an increase of $271 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of insurance for teachers increases to an average of $4,434. That’s an increase of $2,606, or $217 per month, just for not maintaining a clean driving record!
Picking a good quality insurer can be difficult considering how many companies sell insurance in Arizona. The information displayed below can help you choose which companies you want to consider when shopping insurance around for teachers. These rankings include companies with a national presence, so smaller regional companies are not factored into the list.
Top 10 Major Auto Insurance Companies Overall in Tucson
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Why it’s important to shop around
Tucson insurance rates are impacted by many things which can substantially decrease or increase the cost of coverage. Simply having a birthday, moving to a new city, or getting a DUI can cause premium changes resulting in some rates now being cheaper in comparison to the competition. Not only may your risk profile change, but auto insurance companies change their prices without warning to adjust for gains or losses. Significantly higher losses may cause a rate increase, while lower claim expenses can cause cheaper Tucson car insurance rates.
As an example, the data below shows rates for the cheapest car insurance in Tucson, AZ for a 45-year-old female driver with no violations or accidents, and a good credit history. If we estimate rates based on her current rating profile, The Hartford might offer the most affordable car insurance rates in Tucson at $1,063 each year. This is $365 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the rest of the best Tucson, AZ auto insurance companies.
Now we will give the driver from the first rate comparison a claim surcharge, less-than-perfect credit, and an imperfect driving record. Because each insurer has their own unique process for setting prices, comparing insurance quotes could now result in a different list of companies as shown below.
GEICO now has the lowest price in Tucson with Ameriprise Group, CSAA, Allied, and Auto-Owners also being competitive. This example shows why it is critical to spend some time comparing rates to find cheap car insurance quotes for teachers.
Car insurance prices are calculated by many things and can increase or decrease at any time, so the cheapest rate six months ago may now be one of the more expensive options.
Ideas for finding more affordable auto insurance for teachers
Below you’ll find some of the recommended penny-pinching ideas that can help you locate lower-cost auto insurance.
- Safe vehicles cost less to insure
- Multi-policy discounts save money
- Better credit rating means better rates
- Assess whether full coverage is needed
- Remain accident-free and save
- Comparison shop frequently
The last tip is especially vital, as was emphasized in the prior article. Prices in Tucson can be adjusted at any time, so drivers shouldn’t hesitate to switch to a new company if a more affordable rate is found.
Staying with the same car insurance company is fine, but it’s not a great idea if that stubbornness costs you a lot of money. Take a few minutes and compare rates to find cheaper insurance for teachers.