Save on Volvo C30 Insurance in Phoenix

Pricey auto insurance in Phoenix can drain your bank account and force you to prioritize other expenses.

Remarkably, a study showed that the majority of drivers have bought auto insurance from the same company for at least four years, and 38% of customers have never compared quotes from other companies. With the average auto insurance premium being $1,600, Arizona drivers could save 50% every year just by shopping around, but they mistakenly think it’s difficult to compare other rate quotes. Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with ads and it is challenging if not impossible to avoid their marketing magic and find the best price available.

It’s smart to shop coverage around periodically because rates change frequently. Just because you had the best deal on Volvo C30 insurance in Phoenix a year ago there may be better deals available now. Ignore everything you know about auto insurance because you’re about to find out how to quote online to eliminate unnecessary coverages and save money on Volvo C30 insurance in Phoenix.

If you have a current car insurance policy or just want a better rate, you will benefit by learning to reduce premiums while maintaining coverages. Buying the cheapest car insurance in Phoenix is easy if you know what you’re doing. Comparison shoppers just have to use how to shop from many companies at once.

Affordable Volvo insurance rate quotes in Phoenix

The companies shown below provide free rate quotes in Phoenix, AZ. If several companies are displayed, we suggest you compare several of them to get the lowest price.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price information does not factor in vehicle location which can lower or raise coverage prices significantly.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is how high should the physical damage deductibles be. The rates below may help to illustrate the rate differences between low and high coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price information does not factor in garaging location in Phoenix which can increase or decrease rates considerably.

Based on the data above, we can derive that using a $250 deductible costs an average of $12 more each month or $144 each year than quoting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average more than 21 months between claims, you would most likely save money if you opt for a higher deductible.

An important sidenote is that a higher deductible means you will have to pay more out-of-pocket when you file a claim. That will require some savings in the bank in order to pay the deductible.

Get cheap Volvo C30 insurance in Phoenix with discounts

Insurance is neither fun to buy or cheap, but you may qualify for discounts that many consumers don’t even know exist. Certain discounts will be applied when you purchase, but occasionally some discounts must be inquired about before you will receive the discount. If you are not receiving all the discounts possible, you may be paying too high a price.

• Claim-Free Discount – Claim-free drivers pay less when compared with frequent claim filers.
• Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off depending on your insurance provider.
• Good Student Discount – Performing well in school can save 20 to 25%. The discount lasts up to age 25.
• Military Deployment Discount – Being on active deployment in the military could mean lower rates.
• Include Life Insurance and Save – Insurance companies who offer life insurance give a break if you buy auto and life insurance together.
• Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
• E-sign – A few larger online companies will provide an incentive simply for signing over the internet.
• Early Payment Discounts – By paying your entire bill at once instead of paying each month you could save up to 5%.
• Savings for New Vehicles – Insuring a vehicle that is new can get you a discount since new vehicles have better safety ratings.

A little disclaimer on discounts, some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you can get free auto insurance, it doesn’t quite work that way.

Companies and a partial list of their discounts are:

• State Farm may have discounts that include student away at school, good student, Steer Clear safe driver discount, accident-free, multiple autos, and good driver.
• Liberty Mutual includes discounts for good student, new vehicle discount, exclusive group savings, newly married, new move discount, and hybrid vehicle.
• American Family offers discounts for TimeAway discount, mySafetyValet, bundled insurance, accident-free, good driver, air bags, and good student.
• Progressive discounts include multi-policy, multi-vehicle, online quote discount, homeowner, online signing, and continuous coverage.
• Farmers Insurance offers premium reductions for alternative fuel, pay in full, switch companies, teen driver, youthful driver, and electronic funds transfer.
• Auto-Owners Insurance policyholders can earn discounts including student away at school, good student, group or association, mature driver, teen driver, and multi-policy.
• SAFECO offers discounts including multi-car, homeowner, anti-theft, bundle discounts, safe driver, and anti-lock brakes.

When quoting, ask every prospective company which credits you are entitled to. Some discounts listed above may not be offered everywhere. If you would like to view insurance companies that provide some of the discounts listed above in Arizona, follow this link.

How to Lower Your Insurance Costs

It’s important that you understand some of the things that help determine your policy premiums. When consumers understand what determines premiums, this helps enable you to make changes that may reward you with better insurance rates. Many different elements are considered when quoting car insurance. Most are fairly basic such as your driving history, but other criteria are more obscure like where you live and annual miles driven.

The itemized list below are some of the most rate-impacting factors utilized by car insurance companies to help set premiums.

Traffic violations are costly – Your driving record can have a huge impact on auto insurance premiums. Having a single speeding ticket or other violation can bump up the cost twenty percent or more. Careful drivers get better prices as compared to careless drivers. Drivers who get severe tickets such as DUI or reckless driving may need to complete a SR-22 with their state’s licensing department in order to continue driving.

Pay more out-of-pocket – Your deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, aka comp and collision, covers damage that occurs to your car. Some coverage claims would be collision with another vehicle, vandalism, and damage caused by road hazards. The more of the claim the insured is willing to pay, the less your company will charge you for insurance.

Your employer may affect rates – Did you know your job can affect your rates? Occupations such as lawyers, social workers and emergency personnel have higher premiums than the average policyholder because of intense work situations and incredibly demanding work hours. Conversely, careers like professors, students and performers generally pay rates lower than average.

Urban residents pay more – Having an address in less populated areas of the country can save you money when buying insurance. Fewer people corresponds to lower accident rates and lower theft and vandalism rates. Drivers in populated Arizona areas regularly have more road rage incidents and higher rates of accident claims. More time behind the wheel means higher likelihood of an accident.

Theft deterrents save – Selecting a car model with an alarm system can help bring down rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your vehicle from being stolen.

Policy add-ons add up – Insurance companies have many optional add-on coverages that you can get tricked into buying if you don’t pay attention. Add-on coverages like vanishing deductibles, high-cost glass coverage, and extra equipment coverage are some examples. They may seem like a good idea when buying your policy, but now you might not need them so eliminate the coverages to reduce your premium.

Do I need an insurance agent?

Many drivers still prefer to visit with an insurance agent. Professional agents are very good at helping people manage risk and will help you if you have claims. One of the great benefits of getting free rate quotes online is that you can find cheaper rates and also buy local.

Upon completion of this quick form, your coverage information is submitted to companies in Phoenix that can give you free Phoenix auto insurance quotes for your auto insurance coverage. There is no need to leave your computer because prices are sent to the email address you provide. If you want to compare prices for a specific company, you would need to navigate to their website and give them your coverage information.

Deciding on an insurer requires more thought than just a low price. Get answers to these questions too.

• Do they write coverage based solely on cost?
• Do they see any coverage gaps in your plan?
• Are they able to provide referrals?
• What is the agency’s Better Business Bureau rating?
• Can you use your own choice of collision repair facility?
• Which insurance companies are they affiliated with?

Below is a list of car insurance companies in Phoenix that are able to give rate quotes for Volvo C30 insurance in Phoenix.

View more Phoenix agents

After getting reasonable responses to all your questions and locked in a price quote, most likely you have located an insurance company that can be relied on to properly insure your vehicles. Just keep in mind you have the power to cancel your coverage whenever you choose to so never feel that you are obligated to a specific company with no way out.

Auto insurance savings promises

Consumers in Arizona can’t escape the ads that promise big savings for switching by State Farm, Allstate and GEICO. All the ads state the claim about saving some big amount if you just switch your policy.

How does each company have lower policy pricing? Just pay attention to how they say it.

All companies give the cheapest rates for the type of insured that will add to their bottom line. A good example of a profitable risk profile might be described as over the age of 45, carries full coverage, and has great credit. Anyone who fits that profile gets the lowest car insurance rates and have a good chance to save some money.

Consumers who are not a match for these criteria may be required to pay higher premium rates which leads to the driver buying from a lower-cost company. The trick companies use is to say “customers who switch” not “everybody who quotes” can save as much as they claim. That’s why companies can truthfully advertise the way they do. This emphasizes why it is so important to compare price quotes frequently. It’s just not possible to know the company that will have the lowest Volvo C30 insurance in Phoenix.

Don’t give up on cheap premiums

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an insured dropped full coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

Some companies do not offer rate quotes online and many times these smaller providers only sell through independent insurance agents. Budget-friendly car insurance in Phoenix is attainable online and from local agencies, and you should be comparing both to get a complete price analysis.

Much more information about car insurance in Arizona is located at the links below

• Tools for Teen Driving Safety (State Farm)
• Who Has the Cheapest Auto Insurance Quotes for Government Employees in Phoenix? (FAQ)
• What Car Insurance is Cheapest for Safe Drivers in Phoenix? (FAQ)
• What to do at the Scene of an Accident (Insurance Information Institute)
• Car Insurance: When not to Skimp (BankRate.com)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)