It’s well known that car insurance companies don’t want their policyholders to compare prices. Drivers who shop around for cheaper rates will presumably buy a new policy because of the good chance of finding discount prices. Surprisingly, a recent survey revealed that consumers who compared rates once a year saved $860 a year compared to those who never shopped for cheaper rates.
If finding low prices for auto insurance is your goal, learning how to shop for cheaper coverage can help simplify the task of finding more affordable coverage.
If saving money is your primary concern, then the best way to find lower priced auto insurance rates in Tucson is to begin comparing prices regularly from providers who provide car insurance in Arizona. You can shop around by following these guidelines.
- Try to understand auto insurance and the steps you can take to keep rates down. Many policy risk factors that result in higher prices like multiple speeding tickets and bad credit can be rectified by paying attention to minor details. Keep reading for instructions to help prevent costly coverage and find overlooked discounts.
- Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can provide rate quotes for a wide range of insurance providers. Find a Tucson insurance agent
- Compare the quotes to your current policy premium and determine if there is any savings. If you can save some money and decide to switch, ensure there is no coverage lapse between policies.
- Tell your current agent or company of your intention to cancel your current auto insurance policy and submit a down payment and signed policy application to your new company or agent. Immediately upon receiving it, keep the new certificate verifying coverage in your vehicle.
The most important part of this process is to make sure you’re comparing similar limits and deductibles on each price quote and and to get rate quotes from as many companies as you can. Doing this provides a level playing field and a thorough selection of prices.
Affordable Tucson car insurance rates with discounts
Car insurance companies don’t always publicize every discount they offer very clearly, so here is a list some of the best known and also the lesser-known credits available to lower your premiums when you buy Tucson auto insurance online.
- Driving Data Discount – Insureds who allow driving data collection to look at where and when they drive by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they exhibit good driving behavior.
- Low Mileage Discounts – Maintaining low annual mileage can qualify you for cheaper car insurance rates.
- Active Service Discounts – Being on active duty in the military may lower your rates slightly.
- First Accident Forgiveness – This one is not really a discount per se, but some insurance companies will turn a blind eye to one accident before they charge you more for coverage if you have no claims for a particular time prior to the accident.
- Good Student Discount – Excelling in school can earn a discount of 20% or more. The discount lasts up until you turn 25.
- Discounts for Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their Tucson auto insurance quote compared to accident prone drivers.
- Anti-theft Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
We need to note that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. So even though you would think it’s possible to get free car insurance, you won’t be that lucky.
The information below visualizes the comparison of Kia Forte car insurance costs with and without discounts applied to the rates. The rates are based on a male driver, a clean driving record, no claims, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, marriage, homeowner, and multi-car discounts applied.
To see companies that provide some of the discounts listed above in Tucson, click here to view.
The most recommended method to get rate comparisons for Kia Forte insurance in Tucson is to know the trick most of the bigger providers actually pay money for the chance to provide you with free rate quotes. To get started, all you need to do is give them rating details including coverage limits, your occupation, if you went to college, and if you’re married. Your rating data is sent automatically to multiple companies and you will receive price estimates instantly to find the best rate.
To start a rate quote now, click here and find out if you can get cheaper insurance in Tucson.
The car insurance companies shown below have been selected to offer price quotes in Tucson, AZ. To locate cheap car insurance in Tucson, AZ, it’s a good idea that you visit two to three different companies to get a more complete price comparison.
Insurance coverage details
The coverage information shown next outlines estimates of coverage prices for Kia Forte models. Having a better understanding of how rate quotes are figured is important for drivers to make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $226 | $368 | $362 | $22 | $108 | $1,086 | $91 |
| Forte EX 4-Dr Sedan | $226 | $368 | $362 | $22 | $108 | $1,086 | $91 |
| Forte SX 4-Dr Sedan | $256 | $448 | $362 | $22 | $108 | $1,196 | $100 |
| Forte EX 2-Dr Coupe | $256 | $528 | $410 | $24 | $122 | $1,340 | $112 |
| Forte SX 2-Dr Coupe | $256 | $528 | $410 | $24 | $122 | $1,340 | $112 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in specific location information which can influence price quotes considerably.
Choosing deductibles
A question often asked by Tucson drivers is where to set your physical damage deductibles. The premium rates below may help you to understand the differences in price between high and low policy deductibles. The first set of rates uses a $250 deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $232 | $320 | $300 | $18 | $90 | $985 | $82 |
| Forte EX 4-Dr Sedan | $232 | $320 | $300 | $18 | $90 | $985 | $82 |
| Forte SX 4-Dr Sedan | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Forte EX 2-Dr Coupe | $262 | $460 | $338 | $20 | $102 | $1,207 | $101 |
| Forte SX 2-Dr Coupe | $262 | $460 | $338 | $20 | $102 | $1,207 | $101 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forte LX 4-Dr Sedan | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Forte EX 4-Dr Sedan | $144 | $202 | $300 | $18 | $90 | $754 | $63 |
| Forte SX 4-Dr Sedan | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Forte EX 2-Dr Coupe | $162 | $290 | $338 | $20 | $102 | $912 | $76 |
| Forte SX 2-Dr Coupe | $162 | $290 | $338 | $20 | $102 | $912 | $76 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in zip code location which can increase or decrease coverage rates noticeably.
Using the data above, we can ascertain that using a $250 deductible will cost you approximately $22 more each month or $264 for a full year across all Kia Forte models than selecting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 34 months between claims, you would probably be better off if you choose a higher deductible. Below is a better example of how this calculation is made.
| Average monthly premium for $250 deductibles: | $91 |
| Average monthly premium for $1,000 deductibles (subtract): | – $69 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 34 months |
Insurance rate increases from tickets or accidents
The example below illustrates how violations and accidents can influence Kia Forte auto insurance rates for each age group. The information is based on a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
Male drivers versus female drivers
The diagram below illustrates the comparison of Kia Forte premium costs for male and female drivers. The data is based on a clean driving record, no at-fault accidents, full coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Should you buy full coverage?
The diagram below shows the comparison of Kia Forte auto insurance rates with full physical damage coverage and with liability coverage only. The costs are based on no violations or accidents, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
When to drop comp and collision
There isn’t a steadfast formula of when to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s say your Kia Forte replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $6,000 after the deductible is paid. If it’s costing in excess of $600 a year for full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where removing full coverage is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.
Independent and exclusive insurance agencies
A lot of people would prefer to sit down and talk to an agent and we recommend doing that Licensed agents can make sure you are properly covered and will help you if you have claims. A good thing about comparing insurance online is that drivers can save money and get the lowest rates but still work with a licensed agent.
To help locate an agent, after submitting this form (opens in new window), the coverage information is emailed to agents in your area who will give competitive quotes for your business. You don’t have to leave your house since price quotes are sent directly to your email. If for some reason you want to get a comparison quote from a specific company, just navigate to their website and fill out the quote form the provide.
Choosing the best company should depend on more than just a cheap price. Below are some questions you should ask.
- Will the quote change when the policy is issued?
- Do they specialize in personal lines coverage in Tucson?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is the agency active in community causes in Tucson?
- Do they write coverage based solely on cost?
- When do they do policy reviews?
- Which insurance company do they prefer to write with?
- Do they carry Errors and Omissions coverage?
Two different types of car insurance agents
If you are wanting to find a reputable agency, it’s important to understand the different agency structures and how they can quote your rates. Tucson agents can be described as either exclusive or independent (non-exclusive). Either one can properly insure your vehicles, but it’s important to know why they differ since it can affect the selection process.
Exclusive Insurance Agents
Agents that elect to be exclusive can only place business with one company like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to shop your coverage around so they have to upsell other benefits. Exclusive insurance agents are well trained on their products and sales techniques which helps overcome the inability to quote other rates.
Listed below is a list of exclusive insurance agents in Tucson who may provide you with rate quotes.
Julie Burnett – State Farm Insurance Agent
6590 E Tanque Verde Rd B – Tucson, AZ 85715 – (520) 885-2321 – View Map
American Family Insurance – Marla Avina Agency Inc.
1101 S Sherwood Village Dr – Tucson, AZ 85710 – (520) 546-8877 – View Map
Casey Santoro – State Farm Insurance Agent
4231 W Ina Rd Ste 121 – Tucson, AZ 85741 – (520) 744-2400 – View Map
Independent Agencies or Brokers
Agents in the independent channel do not sell for just one brand so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally and you can keep the same agent. When comparing rate quotes, you will definitely want to get some free quotes from at a minimum one independent agency in order to compare the most rates.
Shown below are independent agents in Tucson that are able to give price quotes.
John J Jewell Insurance Agency Inc
5442 E 5th St – Tucson, AZ 85711 – (520) 747-3737 – View Map
Crest Insurance Group LLC
5285 E Williams Cir #4500 – Tucson, AZ 85711 – (520) 881-5760 – View Map
Oasis Insurance
405 E Wetmore Rd g115 – Tucson, AZ 85705 – (520) 888-5000 – View Map
If you receive positive responses to any questions you have and a low price estimate, you may have found an insurance agent that meets the criteria to insure your vehicles. Just understand that you can cancel your coverage any time you want so don’t think that you’re stuck with a policy indefinitely.
Compare. Compare. Compare.
While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where someone sacrificed uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.
Budget-conscious Kia Forte insurance is attainable on the web as well as from independent agents in Tucson, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not provide online quoting and usually these small insurance companies work with local independent agents.
We covered many ideas to compare Kia Forte insurance prices in Tucson. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the lowest priced auto insurance comes from a lesser-known regional company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.
Additional resources
- Crash Avoidance Technologies FAQ (iihs.org)
- Who Has Affordable Car Insurance Quotes for Inexperienced Drivers in Tucson? (FAQ)
- How Much is Tucson Auto Insurance for a GMC Acadia? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Top Signs Your Brakes are Giving Out (State Farm)
- Coverage Information (Progressive Insurance)
- Side Impact Crash Tests (iihs.org)