I am shopping for auto insurance quotes and have heard that discounts are out there but the companies won’t necessarily offer them to you, you have to ask for them, is this true? For example, is there a special female auto insurance rate?

Melanie B. – Tempe, AZ

Melanie,

Yes, there are lots of discounts on auto insurance quotes available out there and yes, there is a female auto insurance phoenix discount! The carriers will ask you basic questions to see if you qualify for the most common discounts, but it is a good idea to have a list yourself and ask to make sure you get all discounts available to you. Here are most of the ones available:

Type of car – an inexpensive car means lower auto insurance

Driving record – A good driving record may give you a lower rate

Mileage driven – The more you drive, the more likely you are to be in an accident. If you don’t drive much, you may get a significant discount.

Age – The older you are, the cheaper your premium is. The highest rates are for those under 25.

Gender – Females are automatically given a female auto insurance discount.

Good credit – If you have good credit, you may qualify for lower rates.

Residence – If you live in a safe neighborhood, you may be eligible for discounts.

Deductibles – If you choose a higher deductible you may have a lower premium because you will be paying if/and when an accident happens, not in the premium.

I would do some research with many different carriers including online research so that you have a good idea of all of the female auto insurance phoenix discounts and rates available.

Help! I am looking for a low auto insurance quote. My husband and I have been laid off and we are trying to cut costs everywhere. What do you recommend to keep our costs down or should we just go without insurance until we have more money?
Abby L. – Phoenix, AZ

Abby,
Getting auto insurance quotes Phoenix can be tough. But whatever you do, DO NOT go without auto insurance. In some states it’s illegal to not have insurance. You never know when you may be in an accident and there are so many things you can be responsible for if you are in one. Here are a few tips:

Call your current carrier and ask if you qualify for any discounts on your auto insurance. Some common discounts include: a good credit record, safe driving record and low mileage driven.

Ask your current carrier for an auto insurance quote with a higher deductible. This may lower your monthly premium and any costs will only be applied if you are actually in an accident.

Then get two additional auto insurance quotes Phoenix. We recommend looking on the internet (you can start by inserting your zip code in the banner below this blog) as well as contacting companies direct. Ask them about discounts and higher deductibles too.

Good luck!

My son is currently in the military. We are planning on him being away for close to a year. His car is still here at our home in AZ and no one will be using it. What is the best thing to do with his auto insurance? Should we keep paying it, stop it altogether or is there special military auto insurance for those presently serving?

Dan B. – Sun City, AZ

A – Dan,
Yes there are special military auto insurance Phoenix policies. It may also be possible that you can put a hold on either part or all of his auto insurance coverage and once he returns, you can re-activate his policy without any penalties. For more information, I would get a quote on military auto insurance Phoenix online which will allow you to compare several carriers and then call your present carrier and discuss with them.

I am not happy with the auto insurance quotes I have received. I want cheap insurance and good coverage. Is auto insurance any cheaper online? Is it safe? Are the quotes accurate?

Ron K. – Paradise Valley, AZ

Ron,
Getting online auto insurance quotes Phoenix is very safe and hassle-free. The quotes are provided by real companies, are the most current rates and offer you choices for coverage. You can get multiple quotes on the internet at the same time, compare and then safely purchase your policy. Use the banner below and find out what kind of auto insurance quotes and deals you can get online.

Help! My husband’s 17 year old son is coming to stay with us. He doesn’t have a car and my husband insists on buying him a used one, although I don’t think it’s a good idea. He has a DUI, a few speeding tickets and a ton of parking tickets on his record already! Will he be able to get his own teen auto insurance policy or will he have to go on ours? If he goes on ours, how much more will we have to pay each month?
Martha Y. – Goodyear, AZ

Martha,
It looks like you will have your hands full, but the good news is there are lots of options out there for teen auto insurance Phoenix policies. His policy may have rate increases because of his history and probably won’t be eligible for discounts, but your best bet is to do lots of research. Call your current carrier and ask how much it would be to get him his own policy vs. adding him to yours. Then look online where you can research multiple carriers at the same time. Be sure to have a policy in place before he starts driving any of your cars! Oh, and the parking tickets won’t affect the teen auto insurance Phoenix rate. Just be sure they are all paid or he may be at risk to have his car towed!