Best Car Insurance Calculator Arizona | Top 10 Auto Insurance Companies in Arizona Presented by BizMove
Here’s How We Save a Ton of Money on Car Insurance
The single most critical factor in getting
a cheaper car insurance rate is shopping around for as many
quotes as you can. Why? Because different insurance companies
charge different rates for the same coverage. In addition,
insurance companies' competitiveness differs tremendously by
You need to compare rates. Only by obtaining several quotes, that are specific to your situation and location, you will be really able to discover the cheapest rate that is available to you. Now, usually shopping around for quotes can be a tedious and time consuming task, but we will make it here much easier for you. Right now there is probably a company that offers a better rate than what you are currently paying. But how can you find it?
Here is our little trick. To discover the cheapest car insurance rate that is available to us, we use this free service: (toll-free) at (855) 981-7528. They perform the tedious task of shopping around, and present you with the cheapest auto insurance provider for your location. We call this service every year before our car insurance expires. It allows us to discover whether there is a cheaper car insurance rate than ours, and has saved us lots of money over the years.
Alternavely, use this other free service to get several quotes from the providers in your local area that offer the best rates. Simply enter in your zip code and compare rates to find the cheapest one.
Here’s the free service we use to discover the cheapest car insurance rate that is available to us: (toll-free) at (855) 981-7528.
Best Car Insurance Calculator Arizona | Top 10 Auto Insurance Companies in Arizona
How much can you cover Car Insurance
Eight hundred dollars a year? One million? Two thousand?
No matter the amount you're paying today, you can slash that amount by more than 50% by simply following a couple of simple
Can you cut your car insurance costs by investing just 30 seconds of your time? No, that can't be done.
But if you are ready to spend 30 minutes now, this week, or next, I will show you how to save around $6,000 on your Car Insurance
during the next 10 years.
Okay, here we go. Catch your vehicle Insurance declarations webpage (the page in your coverage that details all the coverage's
you're paying for) and follow alongwith Make sure that you take some notes. If you do not have your coverage, or can't locate it,
then call your car insurance company and get one - they'll send it to you pronto.
STRATEGY 1 - Make sure you are receiving all applicable discounts for your vehicles safety features, for example:
- Front, Side or Head Curtain Air Bags;
- Automatic Seat Belts;
- Anti-Theft Alarms or Tracking;
- ABS or Traction Control....and many more.
Consider the security features you have....and write them down.
STRATEGY 2 - Review & Change Deductibles For Comp & Collision.
Most Car Insurance Policies have two deductibles - one for"crash" (you hit someone or somebody hits you) and one
for"Comprehensive" (all other harm or loss).
For both of those, have at least a $500 deductible - preferably a $1000 deductible.
Here's why - If you are currently paying a $100 - $250 deductible, you'll save up to 40 percent each year on your monthly premiums
by transferring it to $500. That means if you are currently spending $1,000 a year on insurance, you are going to get to keep $400
every year. If you jump into a $1,000 deductible, you could keep nearly $600 extra a year in your pocket.
I can hear a few of you saying,"Wow, a $1,000 deductible. That is a good deal of money" Yes, it is.
So is paying $1,000 a year with this $100 allowance....versus $400 per year with a $1,000 deductible.
The chances are in your favor - proceed with the $1,000 deductible.
STRATEGY 3 - Review & Change Property Damage Liability.
Have you ever seen a $100,000 mailbox? Car Insurance Companies must have. This is why...
Property damage isn't damage done to a car but rather"property" like a mailbox or a utility pole. So, why on earth do you want
$100,000 dollars of coverage?
Typically, nearly 100 percent of all property damage claims could be cared for only $50,000 of coverage. So take a peek at your
policy to learn what you are currently paying for. And if you've got little or no Internet Worth, shed your policy even lower - to
$25,000 or your States minimal. You can find your States minimum by doing a Google search for"car insurance state minimums."
Here's what to look for on your coverage - Many will have your liability coverage's listed like - 50/100/100 - The first two
numbers refer to bodily injury liability coverage. The 1st number is the dollar amount covered per person. The 2nd is that the
dollar amount per accident.
The 3rd number is the"Property Damage Liability." That is what you need to modify. What does yours say?
STRATEGY 4 - Review & Change Bodily Injury Liability.
Although Bodily Injury Liability Coverage is essential, virtually all people end-up overpaying for the coverage we need. This Sort
of coverage especially covers:
- Any and all occupants of an automobile, whether it's yours or somebody else's;
- Any and all occupants of another vehicle;
- And Pedestrians
Your sole goal with this form of coverage is to have just enough security to protect what is yours....in flip side, your assets.
And so as to protect your resources, you need to figure out what your Net Worth is here's a well known site for calculating your
net value - www.kiplinger.com/personalfinance/tools/networth.html?
A fantastic way to slash your premiums is to have no more in physical injury liability than that which your net worth would be.
Here's a common example of the coverage most folks have - If your net worth is just $20,000 and you have $100,000 in coverage, you
are throwing money away.
And if you have small, or negative net worth, just get the compulsory State minimums. You will need this information to find the
cheapest car insurance rates. You can get see your state minimums by Googling"auto insurance state minimums."
Here's what to search for when attempting to figure out how much coverage you have now. As I said previously, most Policies today
have your liability policy's listed like so - 50/100/100 - The first two numbers (whatever they might be) consult with bodily
injury liability coverage. In this case, there is $50,000 in coverage per individual and $100,000 each accident.
What exactly does your policy state? Are you currently paying more than your net worth? If so, change it.
STRATEGY 5 - Review & Change Uninsured/Underinsured Motorist Coverage.
The uninsured/underinsured motorist coverage is a fantastic deal for car insurance companies....and a bad one for you. This
premium alone can increase your car insurance by a few hundred dollars a year.
Most people think that uninsured/underinsured policy is there to get your car repaired if it's struck by someone without
insurance....or somebody with lousy insurance.
Any damage done to your car is covered - by the premium you are currently paying for collision.
First things first....check your policy if your paying for uninsured/underinsured coverage now. If you're, Google"uninsured driver
state requirements" to see if your State requires it.
When it's not required by your State, cancel it.
In the event the State you reside in does require uninsured/underinsured coverage, make sure you have the minimum required. These
minimums aren't promoted, change every couple of years and are very difficult to discover. So, here's how you manage this.
Do a Google search for your State Department of Insurance, visit the"Contact Us" page, locate a phone number, then call and ask
exactly what the minimums are.
Do not try searching for it. Locating the minimums listed is nearly impossible on many State Internet Sites - they've buried it so
deep you will never find it. Only phone your State Department of Insurance.
I know it's a bit of a hassle to get the advice yourself. Yet relying on the Insurance Companies to give you the correct
information is not very wise.
Next -- Part 2 of"The Way To Slash Your Auto Insurance Costs Up To 54% In 10 Easy Steps"
Best Car Insurance Calculator Arizona | Top 10 Auto Insurance Companies in Arizona
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