Cheapest Auto Insurance for Teachers in Arizona

For teachers and educators, one of the big things used to calculate the price of your policy is where your residence is in Arizona. Cities that have higher claim levels or more people like Phoenix, Glendale, and Peoria tend to have higher rates, whereas areas with less crime or weather claims have the luxury of lower rates.

The following table shows the higher priced cities in Arizona for teachers in which to purchase auto insurance.

Premium amounts are comparative as the specific geographic location can change coverage prices greatly.

The make and model of vehicle requiring coverage is one of the largest considerations in finding the cheapest car insurance for teachers in Arizona. Vehicles with more horsepower, a lack of safety features, or an increased likelihood of liability claims will cost substantially more to insure than more modest models. The list below features car insurance rates for some of the cheaper vehicles to buy insurance for.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can decrease or increase prices noticeably.

Based upon the table data, we can infer that vehicles like the Ford Escape, Honda Accord, and Chevrolet Traverse should be a few of the cheapest vehicles to insure for teachers and educators.

Price comparison of only insuring for liability

Finding the cheapest car insurance for teachers in Arizona should be important to the majority of vehicle owners, and one of the fastest ways to buy cheap insurance is to not insure for full coverage. The diagram below illustrates the difference between annual premium costs when comparing full coverage to liability only. The data is based on no accidents or driving violations, $500 deductibles, drivers are single, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3235,1203],[‘Age 30’, 1675,661],[‘Age 40’, 1651,613],[‘Age 50’, 1505,573],[‘Age 60’, 1461,565],[‘Age 70’, 1805,753]]);var options = {title: ‘Full Coverage Rates Compared to Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Arizona’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

On average, physical damage insurance costs $1,889 per year more than just buying liability only. That is a large expense and it proposes the question if paying for full coverage is a waste of money. There is no definitive rule to stop paying for comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

There are a few cases where removing full coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage in place.

Best rates: Geico, Progressive, State Farm, or Allstate

If you want the best car insurance for teachers and educators in Arizona, the four most popular companies are Geico, Progressive, State Farm, and Allstate. When combined, they insure about half of all auto insurance written. They all offer a little bit different set of discounts and options that may influence your buying decision. The data below compares pricing and service ratings, as well as optional policy coverages shoppers can find with each company.

How to get the cheapest car insurance for teachers in Arizona

The list below shows a few penny-pinching solutions that can help Arizona drivers find low-cost coverage.

• Increase your credit score
• Tickets and violations raise rates
• Full coverage may not be needed on older vehicles
• Having at-fault accidents will increase rates
• Higher deductibles mean lower rates
• Get cheaper liability coverage by choosing a safer vehicle
• Shop around and save

The final tip is notably crucial, as was affirmed in the prior information. Coverage prices go up and down frequently, so don’t be unwilling to buy from a different company if a better deal can be had. We understand brand loyalty, but is isn’t recommended if that inflexibility results in costing you a small fortune year after year. If you have a few minutes, now is a great time to shop around to find cheaper insurance for teachers.

Cheap insurance quotes for teachers and educators

You have a lot of ways to quote and buy auto insurance in Arizona, but the most popular methods are from a captive (or exclusive) agency like Allstate or Liberty Mutual, an independent or non-exclusive agent, or buying direct from a company like Geico or Progressive.

All three ways can provide auto insurance quotes, but each is different in how they function.

Independent agencies work with multiple companies and can get rate quotes from every one. These types of agents are not employed by only one company and can compare multiple rates, which may give you the best chance of saving money. If your agent finds a cheaper company, they can switch companies in-house which makes it simple for you.

Exclusive agents are limited to a single company, for example Liberty Mutual and Allstate agents. Exclusive agents cannot quote prices from more than a single company, so if their pricing is high, there is no alternative.

The final way is buying direct, which means you skip an exlusive or independent agent and instead buy direct either online or via phone. This option may be the best choice people who do not need advice for asset protection and have an above average understanding of how auto insurance works and possible exclusions.

Which way works best for finding the cheapest car insurance for teachers in Arizona? It would be easy to say buying direct results in the cheapest price since there isn’t an agent involved, but unfortunately, it’s not that simple. It could also be said using an independent agent can save the most money due to having more companies to select from, but that assumption is not true either. In a lot of cases, exclusive agencies have coverage prices that are the cheapest.

Because there is so much variation in auto insurance prices, the guaranteed way to buy the cheapest coverage is to get quotes and compare. Take some time and get rate quotes from independent agents, exclusive agents, and direct companies to get an idea of which is cheapest. A great place to start is our list of online companies offering discounts: click here to view.