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!