Best Surprise Car Insurance Rate Quotes

Want to learn how to buy lower-priced auto insurance rates in Surprise, AZ? Did you make the mistake of buying high-priced auto insurance? You’re preaching to the choir because you are not the only one feeling buyer’s remorse.

Inconceivable but true, nearly 70% of drivers have remained with the same auto insurance company for more than four years, and roughly 40% of drivers have never compared auto insurance rates at all. With the average premium in Arizona being $1,600, drivers can save hundreds of dollars each year by just shopping around, but most just don’t grasp how much savings they would realize if they just switched companies. Vehicle owners have many insurance companies to choose from, and although it’s a good thing to have a selection, it makes it harder to adequately compare rates.

Get cheaper car insurance with discounts

Car insurance can be pricey, but you might find some hidden discounts that can dramatically reduce your bill. Some of these discounts will be visible at the time you complete a quote, but some discounts are required to be specially asked for before you get the savings.

• Auto/Life Discount – Select car insurance companies reward you with a break if you buy some life insurance in addition to your auto policy.
• Discount for Passive Restraints – Options like air bags or motorized seat belts can get savings of 20% or more.
• New Car Discount – Buying a new car instead of a used car can save up to 30% because new model year vehicles keep occupants safer.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
• Active Service Discounts – Being deployed in the military may qualify for rate reductions.
• Employee of Federal Government – Federal government employees could provide a small rate reduction depending on your car insurance provider.
• College Student Discount – Children who are enrolled in higher education away from home and do not have a car may be insured at a cheaper rate.

Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

Some of the insurance companies that may offer quotes with some of the above discounts include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

When comparing rates, check with each insurance company how you can save money. Discounts might not apply in every state.

Most major insurance companies such as Allstate and Progressive allow consumers to get price estimates directly from their websites. Getting online quotes doesn’t take a lot of time because you just enter the amount of coverage you want into the form. After the form is submitted, the quote system requests your driving record and credit report and provides a quote based on many factors. The ability to get online rates makes it simple to compare prices and it is important to do this in order to find cheaper prices.

To fill out one form to compare multiple rates now, check out the insurance providers below. If you currently have coverage, we recommend you type in the coverages just like they are on your policy. Doing this assures you will have rate quotes based on identical coverages.

The companies in the list below provide quotes in Arizona. If multiple companies are listed, we suggest you click on several of them in order to get a fair rate comparison.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in zip code location which can affect prices significantly.

Should you raise deductibles?

One frequently asked question is the level to set your comp and collision deductibles. The comparison tables below can help you visualize the premium difference when you buy lower versus higher deductibles. The first rate table uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price estimates do not factor in vehicle location which can lower or raise price quotes substantially.

Based on this data, using a $100 deductible will cost you approximately $31 more each month or $372 annually than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 29 months between claims, you would come out ahead by going with a higher deductible.

Comparison of auto insurance rates by age and gender

The diagram below illustrates the difference between insurance premiums for male and female drivers in Surprise. The rates are based on no violations or accidents, full physical damage coverage, $250 deductibles, single marital status, and no discounts are applied on a Ford Fusion SEL.

Ford Fusion rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Comparison of full coverage and liability-only policies

The example below illustrates the comparison of Honda Civic insurance prices with full physical damage coverage and with liability coverage only. The premiums are based on no driving violations, no at-fault accidents, $500 deductibles, married male driver, and no other discounts are factored in.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying comprehensive and collision coverage

There is no definitive guideline that works best for making the decision to drop physical damage insurance, but there is a general guideline. If the annual cost of having full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Honda Civic replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $3,000 after you pay the deductible. If you are paying over $300 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some conditions where only buying liability is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage.

You are unique and your auto insurance should be too

When choosing adequate coverage, there isn’t really a single plan that fits everyone. Your financial needs are unique and your auto insurance should be unique as well.
These are some specific questions may help highlight whether you might need professional guidance.

• What is medical payments coverage?
• Why is insurance for a teen driver so high in Surprise?
• What is PIP insurance?
• Can I afford low physical damage deductibles?
• How much liability insurance is required?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Does my vehicle need full coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Exclusive versus independent insurance agents

Certain consumers still prefer to sit down and talk to an agent and that is just fine! Professional insurance agents can help you choose the best coverages and will help you if you have claims. One of the best bonuses of price shopping on the web is that you can obtain the best rates but also keep your business local. Buying insurance from local insurance agents is definitely important in Surprise.

To find an agent, once you fill out this form (opens in new window), your coverage information is transmitted to local insurance agents who will give competitive quotes to get your business. It’s much easier because you don’t need to drive around because quoted prices will be sent immediately to your email address. In the event you want to compare prices from a particular provider, just visit that company’s website and submit a quote form there.

Picking the best insurer is decision based upon more than just a cheap quote. Before buying a policy in Surprise, get answers to these questions.

• In the event of vehicle damage, can you pick the collision repair facility?
• Will high miles depreciate repair valuations?
• What insurance companies do they work with in Surprise?
• What discounts might you be missing?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Why you need insurance for your vehicle

Despite the high insurance cost in Surprise, maintaining insurance is most likely required but also gives you several important benefits.

• Most states have compulsory liability insurance requirements which means you are required to buy a specific level of liability in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a lien on your vehicle, almost every bank will force you to buy full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank will be required to insure your vehicle at an extremely high rate and require you to pay a much higher amount than you were paying before.
• Insurance preserves both your vehicle and your assets. Insurance will pay for many types of medical costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers legal expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance definitely exceed the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer overpays more than $830 a year so compare rate quotes at least once a year to ensure rates are competitive.

Car insurance policy specifics

Having a good grasp of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most car insurance policies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many Arizona drivers carry very low liability coverage limits (15/30/10), their limits can quickly be used up. So UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 15/30/10 which stand for $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and a limit of $10,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as attorney fees, loss of income, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but you should think about purchasing more liability than the minimum.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, a tree branch falling on your vehicle, damage from a tornado or hurricane, rock chips in glass and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, rolling your car, hitting a mailbox, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Coverage for medical expenses

Med pay and PIP coverage pay for bills for pain medications, rehabilitation expenses, nursing services and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

What is YOUR best insurance company?

In this article, we presented a lot of tips how to find cheaper coverage online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding affordable Surprise auto insurance quotes. Consumers could even find that the most savings is with a small local company. Smaller companies often have lower prices on specific markets than their larger competitors like Allstate or State Farm.

When you buy Surprise auto insurance online, never sacrifice coverage to reduce premiums. In many instances, an insured dropped liability coverage limits only to regret that they should have had better coverage. Your objective should be to purchase plenty of coverage at the best cost, not the least amount of coverage.

More detailed auto insurance information is available at these sites:

• Airbag FAQ (iihs.org)
• Who Has Affordable Car Insurance Quotes for Retired Military in Phoenix? (FAQ)
• Who Has the Cheapest Auto Insurance for Uber Drivers in Phoenix? (FAQ)
• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• How to Avoid Common Accidents (State Farm)
• Auto Theft Statistics (Insurance Information Institute)