Samantha, SR-22 auto insurance Phoenix is for high-risk drivers who have been arrested for certain traffic violations and usually have had their driver’s licenses taken away. It’s a certificate provided by the DMV usually ordered by the courts. If your driver’s license has been taken away or suspended due to a violation of the law then AZ may require you to get and maintain SR-22 auto insurance Phoenix in order to have your license back.
You can contact your current insurance carrier if you are in need of SR-22 auto insurance Phoenix or you can use the Internet which may provide lower rates.

Mary, Phoenix AZ

Sure Mary, its both confusing and not our favorite subject to deal with. However, you can get potentially great savings by keeping the following key points in mind when you apply or research your auto insurance coverage:

1) Shop around and get competing quotes. Try to get at least three if possible. You can find out the name of insurance companies in your state by contacting your state insurance department. You can then call the companies directly or you can look on the internet.

2) Also make sure you take into account the cost of insurance BEFORE buying a new or used car. The make and model of the car along with some of its features may drastically affect the cost of your yearly insurance. It could change your mind as to which car you buy!

3) You can also ask for a higher deductible. If you’re a safe driver it may be beneficial to weigh the monthly cost of your insurance vs. the cost of paying some of that back in the form of a higher deductible when you actually need it!

4) Another point that many of us forget is to reduce the coverage we have on our cars as they age and their value goes down. You might consider dropping collision or comprehensive coverage if you car is worth less than 10 times the premium. You can get an estimate of the current worth of your car at http://www.kbb.com which is the site for Kelley’s Blue Book.

5) Other types of discounts consist of: Good credit record, low mileage, and possible group insurance (if your part of a designated professional organization). You can also ask your current or proposed insurer if they have any other possible discounts.

Overall, just keep in mind that the company with the lowest quote or price may not be the one with the most discounts. Keep the final quote in mind when you compare. You can start your process by checking out some of the cheap car insurance Phoenix quotes by inserting your zip code only and clicking on the banners on this blog. Leave a comment and let us know how it worked out for you! Good Luck and Happy Shopping!

I just got my bill in the mail for my car insurance and there has got to be something cheaper out there, this is nuts! I’ve called a couple of the local numbers from the yellow pages but they’re all in the same price range, which is no big difference from where I am now!

I’ve poked around online but I’m just not sure what I’d be getting myself into if I “asked for a quote” by filling in some form. Is this a cause for worry? I don’t want to get scammed or end up with a bad insurance company.

Thanks for any insights you can provide,

Tom,

Mesa, AZ

Hey Tom I feel your pain-I was there myself awhile back when I needed to find cheap car insurance Phoenix! No worries though, the internet has come a long way in just a few short years. Most all of the major carriers are advertising online and this is causing quite a bit of competition between the big companies and the small ones. And better yet, most well known companies will even provide online comparisons side by side with other carriers. This will save you a ton of time in researching your options so you can determine if a better deal can be had by going online or going local. We both know that its preferred to know the name of your agent and have a relationship, but not if they’re going to take advantage of you!

I’ve found a couple of companies that offer free quotes (you can click on the banner just below this comment) that you can use to check out their offers against what you said you found locally. If there is no savings, at least now you are more informed. But if there are savings to be had, check out the company and you can even Google their ratings.

So there you have it, I hope this idea helped you understand how to find cheap car insurance Phoenix and get you over your fear of “testing the internet waters…!”

Reader Question: Is it better to get more expensive car insurance or cheap car insurance? Why should I get one or the other?

Tom, Mesa AZ

Editor Response: First, let’s draw a line between “cheap” and “great value.” In this case, cheap car insurance Phoenix can offer great value for car drivers, allowing them to save money on monthly premiums while fulfilling legal requirements to insure their vehicles. When times are tough and money is tight, cheap car insurance allows you to keep your car on the road, helping families transport their members around town and workers to get to and from jobs. Students and those in low-paid fields can especially benefit from cheap car insurance, as can folks who have been hard-hit by the downturn in the current economy. Remember, if you’re going to drive, having car insurance isn’t optional – it’s the law – so take advantage of cheap car insurance available to you and click on the link above to find out about it!

Reader Question: I want to get cheap car insurance, but I’m worried about doing this online. How can I be sure it’s safe and a good idea to get an insurance online quote?

Thanks,

Annette, Tempe AZ

Editor Response: The online insurance marketplace is huge, and has been around for quite a few years. Reputable companies can save you a lot of money on your insurance needs (and not just with car insurance!), and cheap car insurance Phoenix through an insurance online quote is a safe and easy way to find a cheap car insurance policy that fits your needs. Insurance online quotes can serve as a guideline when looking at a bunch of different companies, giving you a way to make sure you’re getting the best deal. Plus, you can check out the experiences other customers have had with your cheap car insurance provider – just put the company’s name into a search engine like Google or Yahoo, and you will quickly find reviews from other satisfied customers who have been through the same thing! Click the banner now and find out what kind of deals you can get on great value, cheap car insurance!