Arizona is one of the most popular states for vehicle owners. With its many scenic drives, beautiful weather, and low cost of living, Arizona is a great place to have a car. However, like other states, the cost of car insurance can be quite high. The average car insurance cost in Arizona is higher than the national average, but there are several ways to lower your rates. In this article, we’ll look at the average car insurance cost in Arizona and some strategies to help you save money.
Average Car Insurance Rates in Arizona
The average cost of car insurance in Arizona is $1,520 per year, which is slightly higher than the national average of $1,457. This is due to the state’s higher than average medical and repair costs, as well as its higher than average rates for collision and comprehensive coverage. Arizona drivers can expect to pay an average of $127 per month for car insurance.
Factors That Affect Car Insurance Rates in Arizona
There are many factors that can affect your car insurance rates in Arizona. Your age, gender, and driving record are all taken into account when determining your rates. Your type of vehicle and the amount of coverage you choose can also have an impact. Additionally, Arizona is one of the few states that uses credit score to determine rates, so your credit score can have an impact on the amount you pay.
How to Get the Cheapest Car Insurance in Arizona
The best way to get the cheapest car insurance in Arizona is to shop around and compare rates. Get quotes from multiple companies and compare the prices and coverage. The more quotes you get, the better chance you have of finding the best deal. Additionally, you should consider raising your deductible, as this can help lower your rates. Finally, make sure you are getting all the discounts you qualify for, such as a good driver discount, a multi-policy discount, or a safe driver discount.
When to Increase Coverage
Although it’s important to get the most coverage for the lowest price, you should also consider increasing your coverage in certain situations. If you drive an expensive vehicle or have a large loan on your car, you may want to increase your coverage. Additionally, if you have a long commute or drive in an area with a lot of traffic or bad weather, you may want to increase your coverage for added protection.
Alternatives to Traditional Car Insurance
If you’re looking for an alternative to traditional car insurance, there are several options available. You may be able to purchase a pay-as-you-go policy, which allows you to pay a fee per mile driven. There are also usage-based policies, which offer discounts based on how much you drive. Finally, you may want to consider a non-owner policy if you don’t own a car, but still need insurance.
Tips for Lowering Your Car Insurance
There are several tips for lowering your car insurance in Arizona. Make sure you are getting all the discounts you qualify for, such as a safe driver discount or a multi-car discount. Additionally, consider raising your deductible, as this can help lower your rates. Finally, shop around and compare rates from multiple companies to ensure you are getting the best deal.
The average car insurance cost in Arizona is higher than the national average, but there are several ways to lower your rates. Shop around and compare rates from multiple companies and consider raising your deductible. Additionally, make sure you are getting all the discounts you qualify for and consider alternatives to traditional car insurance. By following these tips, you can save money on your car insurance and have the peace of mind that you are properly protected.