To get cheap rates for Arizona auto insurance coverage, be prepared to compare rates from several providers. Each company selling coverage to AZ residents sets its own rates for coverage, and each one uses its own formula for evaluating the level of risk that an insurance applicant presents to set rates.
A person who is presents a higher level of risk will pay more for his or her auto insurance coverage than a person who the insurer determines to be a low risk for car insurance purposes. How do you get placed in the low-risk category? The best way is to maintain a clean driving record, since the insurance company looks at a person’s past record as a way to predict his or her future behavior.
Another way to get affordable Arizona auto insurance rates is to make sure you ask about all the discounts that the companies you are considering offer to customers. You may qualify for more than one price break, and the discounts do add up. Some common ones are multi-policy and multi-vehicle discounts.
Buying your car insurance from the same company that holds your tenants’ or homeowners’ policy can help you save money. Insuring more than one vehicle with the same company will also help you get the lowest possible rates for your coverage.
Consider raising your deductible to save on your premium rates for your AZ auto insurance coverage. This is another money-saving strategy that works.