Cheapest Subaru Tribeca Insurance in Phoenix

How long has it been since you compared lower-priced Subaru Tribeca insurance in Phoenix? Cutting costs on Subaru Tribeca insurance in Phoenix is always very difficult for people who have little experience comparing prices online. With such a large number of agents and companies competing online, it can be more work than you anticipated to compare premium rates on Subaru Tribeca insurance.

A recent study showed that a large majority of drivers renewed their policy with the same company for a minimum of four years, and practically 40% of car insurance customers have never shopped around. American drivers could save about $859 every year just by shopping around, but they just feel it’s too hard to compare rates.

If you already have coverage, you stand a good chance to be able to find the best rates using the concepts you’re about to learn. Quoting and comparing rates for affordable protection in Phoenix is not as difficult as people think. But Arizona vehicle owners need to have an understanding of the methods companies use to calculate your auto insurance rates because it can help you find the best coverage.

To find the best insurance rates, there are several ways to get quotes from insurance companies in your area. The easiest way by far to compare Subaru Tribeca insurance prices consists of shopping online. It’s important to know that comparing more prices helps increase your odds of locating lower pricing. Some smaller insurers do not give rate quotes online, so it’s important to also get price quotes from them, too.

The companies shown below offer comparison quotes in Phoenix, AZ. If multiple companies are listed, we suggest you compare several of them to find the most affordable auto insurance rates.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in vehicle garaging location which can alter coverage prices noticeably.

Can higher deductibles save money?

One frequently asked question is how low should you set your deductibles. The data tables below illustrate how much more you’ll pay when you select higher and lower coverage deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in specific garaging location which can revise premium rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $25 more each month or $300 a year than requesting 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 go at a minimum 30 months between claim filings, you would save money by going with a higher deductible.

Deductible analysis

The example below shows how choosing a deductible and can increase or decrease Subaru Tribeca yearly insurance costs for each age group. The rates are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

Take policy discounts and save on Subaru Tribeca insurance in Phoenix

The cost of insuring your cars can be expensive, but you may find discounts that can help lower your rates. Many of these discounts will be applied automatically when you get a quote, but some need to be inquired about prior to getting the savings.

• Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts could cut 10% or more off the PIP or medical payment premium.
• Accident-Free Discounts – Phoenix drivers who stay claim-free get the best insurance rates compared to drivers who are more careless.
• Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you better prices if you take out some life insurance in addition to your auto policy.
• Good Drivers – Insureds who avoid accidents can save as much as half off their rates than drivers with accidents.
• Telematics Data – Phoenix drivers who agree to allow their company to look at when and where they use their vehicle by using a telematics device in their vehicle such as State Farm’s In-Drive could save a few bucks if their driving habits are good.
• Early Renewal Discounts – Some insurance companies provide a discount for buying a policy before your current coverage expires. It could save around 10% when you buy Phoenix car insurance online.
• Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course in school or through a local driver safety program.

Just know that most discounts do not apply to the whole policy. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, you aren’t that lucky. But all discounts will reduce the amount you pay for coverage.

A list of companies and a partial list of their discounts are outlined below.

• GEICO offers discounts for good student, multi-vehicle, anti-lock brakes, federal employee, and five-year accident-free.
• Auto-Owners Insurance policyholders can earn discounts including paperless, student away at school, multi-policy, safe vehicle, teen driver, group or association, and mature driver.
• American Family offers premium reductions for mySafetyValet, multi-vehicle, bundled insurance, Steer into Savings, good driver, defensive driver, and accident-free.
• Esurance offers discounts including multi-car, Pac-12 alumni, defensive driver, good student, and renters.
• Progressive includes discounts for online signing, multi-vehicle, online quote discount, continuous coverage, and homeowner.
• State Farm may include discounts for good driver, accident-free, anti-theft, Drive Safe & Save, multiple policy, passive restraint, and multiple autos.
• AAA may have discounts that include education and occupation, pay-in-full, AAA membership discount, multi-car, anti-theft, and good student.

If you want low cost Phoenix car insurance quotes, ask all companies you are considering the best way to save money. Some credits might not be offered in your area. If you would like to choose from a list of insurance companies that offer some of these discounts in Arizona, follow this link.

Do I need an insurance agency?

Many people would prefer to sit down with an agent and doing so can bring peace of mind An additional benefit of getting online price quotes is that you can find cheap rate quotes and still buy from a local agent.

Once you complete this form (opens in new window), your coverage information is sent to companies in Phoenix who will return price quotes for your coverage. It simplifies rate comparisons since you won’t have to leave your house since rate quotes are delivered to you. You’ll get the best rates and work with a local agent. In the event you want to compare rates from a specific company, don’t hesitate to visit that company’s website and complete a quote there.

Finding a good insurer is decision based upon more than just the quoted price. Here are some questions you should ask.

• If independent agents, which companies do they recommend?
• If your car is in the repair shop, do you have coverage for a rental car?
• Are claims handled at the agent’s location?
• What company do they have the most business with?
• How much training do they have in personal risk management?
• Can you choose the body shop in case repairs are needed?
• Do the coverages you’re quoting properly cover your vehicle?
• Does the quote include credit and driving reports?

How to know if you need help

When selecting adequate coverage, there is no “perfect” insurance plan. Your situation is unique.

Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.

• Will damage be repaired with OEM parts?
• Is there a penalty for late payment?
• Is a driver training discount available?
• Is pet coverage available?
• Do I need more liability coverage?
• Am I insured when driving a different vehicle?
• What does medical payments coverage do?
• What is an umbrella policy?
• Is my babysitter covered when using my vehicle?
• Why am I required to buy high-risk coverage?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form.

Learn How to Quote Insurance at a Discount

Many things are used when premium rates are determined. A few of the factors are predictable like a motor vehicle report, although some other factors are not as apparent like where you live or how financially stable you are. Part of the insurance buying process is learning the factors that help calculate insurance rates. If you have some idea of what determines base rates, this enables informed choices that can earn you much lower annual insurance costs.

Cheaper insurance rates for prior coverage – Not having insurance is not a good idea and you will pay a penalty because you let your insurance lapse. Not only will you pay more, getting caught without coverage may earn you a steep fine or even jail time.

Which gender costs less? – Over time, data shows that females tend to be a little less risky than males. It does not mean women are better drivers. Males and females are in accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more major tickets like reckless driving and DUI. Male teenagers cause the most accidents so they pay the highest premiums.

Lower performance equals lower insurance rates – The performance level of the car, truck or SUV you are buying insurance for makes a huge difference in determining your rates. Because the Subaru Tribeca falls in the crossover class, rates will be slightly more as compared to the average rate in Phoenix. Low performance passenger cars usually have the lowest rates, but other factors influence the final cost greatly.

Insurance rates for married couples – Getting married may earn you lower rates on your insurance policy. It usually means you are more financially stable and it’s statistically proven that being married results in fewer claims.

Choosing Tribeca insurance is an important decision

Despite the high cost, paying for auto insurance may be required and benefits you in several ways.

• Most states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability if you drive a vehicle. 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 Tribeca, almost every bank will make it a condition of the loan that you have physical damage coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Subaru at a more expensive rate and require you to reimburse them for it.
• Auto insurance preserves both your car and your personal assets. It will also provide coverage for medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of buying auto insurance greatly outweigh the cost, particularly if you ever have a claim. But the average driver in Arizona is overpaying over $865 each year so we recommend shopping around once a year at a minimum to ensure rates are competitive.

Keep this in mind when shopping around

Insureds change insurance companies for many reasons like poor customer service, high rates after DUI convictions, questionable increases in premium and even unfair underwriting practices. No matter why you want to switch, switching auto insurance companies is less work than it seems.

Some insurance providers do not provide the ability to get a quote online and many times these small insurance companies provide coverage only through independent agents. Budget-friendly auto insurance in Phoenix can be bought online in addition to many Phoenix insurance agents, so you should compare both in order to have the best chance of saving money.

When shopping online for auto insurance, never skimp on coverage in order to save money. There have been many situations where consumers will sacrifice physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage for the lowest price while not skimping on critical coverages.

Much more information about auto insurance in Arizona is available below:

• Drunk Driving Statistics (Insurance Information Institute)
• What Insurance is Cheapest for Inexperienced Drivers in Phoenix? (FAQ)
• Who Has Cheap Car Insurance Rates for Drivers with Accidents in Phoenix? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for a Chevrolet Traverse in Phoenix? (FAQ)
• Who Has Affordable Phoenix Auto Insurance for Single Moms? (FAQ)
• Teen Driving Statistics (GEICO)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Car Insurance: When not to Skimp (BankRate.com)