Arizona Car Insurance Quote - What Is Too Much To Pay?
Arizona auto insurance is not cheap
Arizona ranked as the thirteenth most expensive state for auto
insurance during the years 1999 to 2003. With insurance average
insurance premiums rising to $920.38 in the year 2003 that is
nearly a 5% increase from the previous year. If these trends
keep up the average for 2005 premiums paid will be about
$1014.00.
With more than 3.3 million cars insured privately in Arizona
there is plenty of opportunity to shop around and try to
decrease what you are spending for car insurance. Even with high
risk drivers saving money on auto insurance is quite easy.
Where do I start saving money on car insurance?
The first place to look to save money is with the deductible.
Many don't know that deductibles can vary with each form of
insurance coverage that is offered. You may have $250 deductible
on comprehensive claims and a $500 deductible on the collision
claims. Raising these deductibles can save money every month.
Before increasing the deductibles compare what the savings are
per month with what you would pay in the case of damage or an
accident.
Many people do not change their insurance policy as their car
ages. The fact that your car depreciates so quickly can allow
you to save money on auto insurance. If your $30,000 car is now
worth $5,000 then full collision coverage may not be that
beneficial considering that you would pay more to insure the
vehicle after a claim than you would to just pay any claim out
of pocket. Remember after a claim insurance rates are increased
and this makes many small claims cheaper to pay for rather than
file a claim with an insurance company. Since these small claims
may be paid for out of pocket decreasing your coverage can save
a lot of money every month.
Please visit our recommended sources for insurance quotes.