A recent study showed that most car insurance customers kept their policy with the same company for at least four years, and approximately 38% of consumers have never compared rates from other carriers. With the average car insurance premium being $1,578, Arizona drivers can save approximately 50% each year just by getting comparison quotes, but most just don’t grasp the actual amount they would save if they switch to a new company.
The easiest way to find cheaper quotes for Pontiac G8 insurance in Tucson is to make a habit of comparing prices annually from insurers that insure vehicles in Arizona.
First, try to comprehend what coverages are included in your policy and the steps you can take to keep rates in check. Many rating factors that increase rates such as traffic tickets, fender benders, and a not-so-good credit score can be improved by improving your driving habits or financial responsibility. Later in this article we will cover additional ideas to help prevent expensive coverage and get discounts that may be overlooked.
Second, compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Allstate, while independent agencies can quote prices from multiple insurance companies.
Third, compare the price quotes to your existing coverage and see if there is a cheaper rate. If you find a better price and switch companies, make sure there is no coverage gap between policies.
A good tip to remember is that you use the same amount of coverage on each price quote and and to get price quotes from as many companies as possible. This enables a fair price comparison and the best price selection.
Buying affordable insurance in Tucson is actually quite easy if you know where to start. If you have a current insurance policy or are shopping for new coverage, you will benefit by learning to reduce the price you pay without reducing coverage. You just have to use the quickest way to shop on the web.
Buy Tucson Pontiac G8 insurance online
Finding a lower price on insurance is actually quite simple. You just have to take time comparing rates to find the company with affordable Tucson car insurance quotes.
It’s so easy to compare rate quotes online that it makes it obsolete to drive to all the different Tucson insurance agencies. Buying insurance online eliminates this option unless you require the professional advice that only an agent can give. It is possible to compare online quotes but buy the policy through an agent.
The companies shown below are ready to provide comparison quotes in Arizona. If multiple companies are listed, we suggest you visit as many as you can to find the lowest auto insurance rates.
Don’t overlook these Pontiac G8 insurance discounts
Some companies don’t necessarily list every discount they offer in a way that’s easy to find, so the list below gives a summary of some of the best known in addition to some of the lesser obvious credits that may apply to you.
- Full Payment Discount – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid the installment charge.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.
- Waiver for an Accident – Not really a discount, but companies like GEICO and Allstate will allow you to have one accident without the usual rate increase as long as you don’t have any claims for a set time period.
- Own a Home and Save – Just being a homeowner can save you money since owning and maintaining a home demonstrates responsibility.
- Senior Citizens – Drivers over the age of 55 can possibly qualify for a small discount on rates.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the whole policy. Some only reduce individual premiums such as liability and collision coverage. So when it seems like you can get free auto insurance, companies don’t profit that way.
Some of the larger companies that may offer some of the discounts shown above may include but are not limited to:
Double check with each insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in your area. If you would like to view insurance companies who offer discounts in Tucson, click here.
Learn How to Buy Auto Insurance Cheaper
Many different elements are used in the calculation when you get a price on insurance. Some are obvious such as your driving record, although others are not quite as obvious such as your marital status or how safe your car is. The best way to find cheaper auto insurance is to take a look at the rating factors that go into determining the price you pay for auto insurance. When you understand what determines premiums, this enables informed choices that may result in lower auto insurance prices.
The items below are most of the major factors auto insurance companies consider when setting your rates.
More performance means more cost – The make and model of the vehicle you own makes a significant difference in the rate you pay. The best insurance prices tend to be for lower cost passenger cars, but there are many factors that impact the final cost.
Don’t skimp on liability insurance – The liability coverage on your policy will afford coverage if you are found liable for physical damage or personal injury to other. Liability provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
Remove unneeded extra coverages – There are a ton of additional coverages that can waste your money if you aren’t diligent. Insurance for things like replacement cost coverage, accident forgiveness, and term life insurance may be wasting your money. The coverages may be enticing at first, but your needs may have changed so consider taking them off your policy.
Always have auto insurance – Having a gap between insurance policy dates is a quick way to pay more for auto insurance. Not only will you pay higher rates, the inability to provide proof of insurance might get you a revoked license or a big fine. You may have to file a SR-22 with the Arizona DMV.
City dwellers may pay more – Residing in smaller towns and rural areas of the country can save you money when buying auto insurance. Residents of big cities tend to have traffic congestion and longer commutes to work. Fewer people means a lower chance of having an accident.
Better auto insurance rates on safer vehicles – Safe vehicles get lower rates. Highly rated vehicles reduce occupant injuries and better occupant protection means less claims paid and thus lower rates. If your Pontiac G8 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
When to talk to an agent
A lot of people still prefer to talk to an insurance agent and that is recommended in a lot of cases Professional insurance agents can help determine the best coverages and help submit paperwork. One of the benefits of getting free rate quotes online is that drivers can save money and get the lowest rates and still have a local agent.
For easy comparison, once you complete this form (opens in new window), your coverage information is emailed to local insurance agents that can provide free Tucson car insurance quotes for your business. It simplifies rate comparisons since you won’t have to contact an agency because prices are sent to you instantly. If you want to compare rates from a particular provider, feel free to search and find their rate quote page and fill out their quote form.
Finding the right insurance company should include more criteria than just a cheap price. The following questions are important to ask.
- What company holds the largest book of business for them?
- Does the company have a local claim office in Tucson?
- Does the agency provide any after hours assistance?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they feel the quoted coverages are adequate?
If you are wanting to find a local Tucson insurance agency, it’s important to understand the types of insurance agents and how they work. Agents in Tucson can either be exclusive or independent. Either type can do a good job, but it’s important to know how they are different since it can affect the type of agent you choose.
Exclusive Agencies
These type of agents can only provide one company’s prices and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are highly trained on what they offer which can be an advantage.
Below are exclusive agencies in Tucson willing to provide rate quotes.
Allstate Insurance: Edmund Marquez
4420 E Speedway Blvd Ste 102 – Tucson, AZ 85712 – (520) 323-9333 – View Map
Jeff Noel – State Farm Insurance Agent
9136 E Valencia Rd #110 – Tucson, AZ 85747 – (520) 574-7777 – View Map
Mike Severson – State Farm Insurance Agent
5475 S Calle Santa Cruz Ste 161 – Tucson, AZ 85706 – (520) 746-1079 – View Map
Independent Agents (or Brokers)
These type of agents are normally appointed by many insurers so they can quote policies amongst many companies and find the cheapest auto insurance rates. If premiums increase, your agent can just switch to a different company which makes it simple for you. When comparing rate quotes, you should always compare quotes from independent agents for the best price selection.
Shown below is a short list of independent agents in Tucson that can give you price quote information.
Leavitt Group – Koty-Leavitt Insurance Agency
6992 E Broadway Blvd – Tucson, AZ 85710 – (520) 571-1900 – View Map
DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 – View Map
John J Jewell Insurance Agency Inc
5442 E 5th St – Tucson, AZ 85711 – (520) 747-3737 – View Map
Tucson car insurance company ratings
Buying coverage from a highly-rated car insurance provider is difficult considering how many different companies there are to choose from in Arizona. The rank data in the lists below could help you analyze which companies to look at when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Don’t give up on cheaper premiums
Discount Pontiac G8 insurance in Tucson is available online as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not offer online rate quotes and usually these small insurance companies prefer to sell through independent agents.
When getting Tucson car insurance quotes online, make sure you don’t skimp on coverage in order to save money. In many cases, an insured dropped uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your objective should be to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.
More tips and info about insurance is located in these articles:
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- How Much is Tucson Auto Insurance for a Honda Civic? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance Quotes for a Nissan Sentra? (FAQ)
- Who Has Affordable Auto Insurance Quotes for High Risk Drivers in Tucson? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Requiring a SR22 in Tucson? (FAQ)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Vehicle Safety Ratings (iihs.org)
- Where can I buy Insurance? (Insurance Information Institute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)