Being forced to pay for expensive auto insurance premiums can diminish your personal savings and maybe even restrict other spending. Getting a rate comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.
It’s astonishing, but most Arizona auto insurance customers renewed their policy with the same company for a minimum of four years, and just short of a majority have never compared quotes from other companies. Many consumers in the U.S. could cut their rates by almost $859 a year just by comparing rates, but they just assume it takes a lot of time to compare rates and save money. Companies like GEICO, 21st Century and Progressive increase brand awareness with TV and radio ads and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.
Smart consumers take time to get comparison quotes at least once a year due to the fact that insurance prices go up and down regularly. Just because you had the best deal on Toyota Avalon Hybrid insurance in Phoenix a few years ago there may be better deals available now. You can find a lot of misleading information regarding Avalon Hybrid insurance on the internet, but you can learn some excellent ideas to lower your auto insurance bill.
If you have insurance now or just want cheaper rates, use these tips to reduce premiums without sacrificing coverage. Choosing the best rates in Phoenix is not that difficult as long as you know where to start. Drivers only have to learn the least time-consuming way to compare rate quotes from many companies at once.
Companies offering Toyota Avalon Hybrid insurance in Phoenix
The car insurance companies shown below are our best choices to provide comparison quotes in Arizona. If the list has multiple companies, we recommend you visit as many as you can to find the most affordable car insurance rates.
Informed Drivers Know How to Get Insurance Cheaper
Multiple criteria are part of the calculation when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but some are less apparent such as your credit history and annual miles driven.
Bad credit hurts insurance rates – Having a good credit rating is likely to be a major factor in calculating your insurance rates. People that have high credit scores tend to be better risks to insure than drivers with poor credit scores. Therefore, if your credit history leaves room for improvement, you could potentially save money when insuring your Toyota Avalon Hybrid by improving your rating.
Your stress level may be raising your premiums – Careers such as lawyers, airline pilots, and emergency personnel tend to pay the highest average rates attributed to high stress and lots of time spent away from family. Conversely, occupations such as actors, athletes and homemakers receive lower rates.
Gender as a rate factor – Over the last 50 years, statistics have shown women are more cautious behind the wheel. That doesn’t necessarily mean that females are better drivers. Men and women tend to get into fender benders at about the same rate, but men tend to have more serious accidents. Men also tend to receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are the most expensive to insure and therefore have the most expensive insurance rates.
Discounts for multiple policies – Many insurance companies provide a discount to policyholders that buy multiple policies in the form of a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s still a good idea to compare other company rates to help guarantee you have the best rates.There is a good possibility that you can find better rates even if you insure with multiple companies
Increase comp and collision deductibles to save – Coverage for physical damage, also called ‘full coverage’, covers damage that occurs to your Toyota. Some examples of claims that would be covered would be colliding with a building, flood damage, and damage from a fallen tree branch. Your deductibles are the amount of money you are willing to pay before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive.
Toyota Avalon Hybrid insurance loss statistics – Auto insurance companies analyze past claim statistics to help calculate premium rates. Vehicles that tend to have a trend towards higher claims will have a higher cost to insure.
The next table illustrates the historical loss data for Toyota Avalon Hybrid vehicles. For each policy coverage, the loss probability for all vehicles compiled together equals 100. Numbers shown that are under 100 suggest a positive loss record, while numbers shown that are more than 100 point to more claims or tendency to have larger claims.
Toyota Avalon Hybrid Insurance Loss Statistics
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Avalon Hybrid | 120 | 72 | 132 | 107 | 85 | 80 |
Statistics from IIHS.org for 2013-2015 Model Years
Discounts can help lower rates on Toyota Avalon Hybrid insurance in Phoenix
Some companies don’t always publicize every discount very clearly, so the following list contains both the well known in addition to some of the lesser obvious ways to save on auto insurance.
- 55 and Retired – Mature drivers are able to get better auto insurance rates.
- Discounts for Government Workers – Having worked for a branch of the government could provide a small rate reduction but check with your company.
- Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices help deter theft so companies will give you a small discount.
- Life Insurance – If the company offers life insurance, you could get lower premium rates if you buy some life insurance too.
- Telematics Discount – Phoenix drivers who agree to allow their insurance company to spy on where and when they drive by using a small device installed in their vehicle like Allstate’s Drivewise could see a rate decrease as long as they are good drivers.
- Multi-Vehicle Discounts – Drivers who insure several vehicles with the same company can reduce the rates for all insured vehicles.
- Memberships – Being a member of certain professional organizations can get you a small discount on your next auto insurance statement.
- Low Mileage – Low annual miles can earn lower premium rates due to less chance of an accident.
- Good Student Discount – Being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.
- Phoenix Homeowners Discount – Owning a house in Phoenix can save you money since home ownership is proof of financial responsibility.
A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.
To locate insurers that can offer you the previously mentioned discounts in Arizona, follow this link.
Local Phoenix car insurance agents
A lot of people just want to sit down and talk to an agent and there is nothing wrong with that. Professional agents will help you protect your assets and will help you if you have claims. One of the best bonuses of getting online price quotes is that you can find lower premium rates but still work with a licensed agent. And supporting local insurance agents is important especially in Phoenix.
After filling out this form (opens in new window), the coverage information is sent to local insurance agents in Phoenix who can give free rate quotes for your coverage. You won’t need to leave your computer as quotes are delivered to you. If for some reason you want to compare prices from a specific insurance company, don’t hesitate to find their quoting web page and give them your coverage information.
Different types of Phoenix auto insurance agents
If you want a local Phoenix insurance agency, you should know the types of agencies and how they work. Auto insurance policy providers are classified as either exclusive agents or independent agents. Either type can properly insure your vehicles, but it’s worth mentioning the difference in the companies they write for because it can factor into your agent selection.
Independent Agencies or Brokers
Agents that elect to be independent are not locked into one company and that gives them the ability to insure with lots of companies and find the cheapest rate. If they find a lower price, they simply switch companies in-house which requires no work on your part.
When comparing rate quotes, we highly recommend that you get some free quotes from several independent agencies to ensure the widest selection of prices.
Shown below is a short list of independent agencies in Phoenix that may be able to provide free auto insurance quotes.
Horizon Insurance Group
2880 E Northern Ave #100 – Phoenix, AZ 85028 – (602) 992-9750 – View Map
Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map
General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map
Exclusive Auto Insurance Agents
Exclusive agencies can only provide pricing for a single company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot place coverage with different providers so always compare other rates. Exclusive insurance agents are well trained in insurance sales which helps them sell insurance even at higher premiums.
Below are Phoenix exclusive insurance agents who can help you get rate quotes.
Arly Sanchez – State Farm Insurance Agent
1625 N 51st Ave Ste 103 – Phoenix, AZ 85035 – (602) 455-2886 – View Map
Lynn Buss – State Farm Insurance Agent
4022 E Broadway Rd #106 – Phoenix, AZ 85040 – (602) 454-8570 – View Map
Mattie Taylor – State Farm Insurance Agent
4225 W Bell Rd – Phoenix, AZ 85053 – (602) 938-4491 – View Map
Finding the right auto insurance agent requires more thought than just the bottom line cost. Here are some questions to ask:
- Can glass claims be handled at your home?
- How is replacement cost determined on your vehicle?
- Will high miles depreciate repair valuations?
- Are they giving you every discount you deserve?
- Which companies do they recommend if they are an independent agency?
- Can you choose the body shop in case repairs are needed?
Be persistent and save
Affordable Toyota Avalon Hybrid insurance in Phoenix is available both online in addition to many Phoenix insurance agents, so you need to shop Phoenix auto insurance with both to have the best chance of lowering rates. Some insurance companies may not have online quoting and usually these smaller companies work with independent insurance agents.
When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. Too many times, someone dropped comprehensive coverage or liability limits only to find out they didn’t have enough coverage. The proper strategy is to buy enough coverage for the lowest price, but don’t skip important coverages to save money.
Additional insurance information is located at these links:
- Rental Car Insurance Tips (Insurance Information Institute)
- How Much is Phoenix Auto Insurance for Drivers with a DUI? (FAQ)
- What Insurance is Cheapest for Drivers Under 21 in Phoenix? (FAQ)
- Who Has the Cheapest Phoenix Auto Insurance for Ride Shares? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Medical Payments Coverage (Liberty Mutual)
- How to shop for a safer car (Insurance Institute for Highway Safety)