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.

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…!”