When you are looking for the cheapest car insurance rates in Arizona, be sure to compare rates for different companies. The first company you get a quote from may have the best rates, but unless you consider multiple companies, you won’t know it.
If you are a student, you are at a bit of a disadvantage as far as getting cheap rates are concerned. Getting good grades (a B average or higher) may entitle you to a break on your premium. Be sure to ask your insurance company or agent about better rates based on academic achievement. A student who goes away to school and won’t be driving for part of the year may also be entitled to a discount for the months when the car won’t be driven by him or her on a regular basis.
Long-term customers may also be entitled to a better rate. If you have been with the same insurance company or a few years, find out whether the company will give you a loyalty discount. If this provision isn’t covered when you conduct your online search, take the time to contact the company directly to ask about it.
Other circumstances where you may be entitled to a discount include:
– Multiple Policies
– More Than One Vehicle
– Good Driving Record
– Low Annual Mileage
The online Arizona car insurance quote you get from the insurance companies is only a starting point. If you have more information that you feel the insurer should take into consideration, do let them know. A quote is not the same thing as applying for insurance coverage or agreeing to an insurance contract and by providing more information than what is asked for on the basic online form, you may get much cheaper rates.