Who Has Cheap Car Insurance Quotes for Drivers Over Age 60 in Arizona?

Our editors keep telling us that when writing about auto insurance, the word cheap really should not be used as a descriptor for car insurance rates. Notwithstanding, cheap auto insurance for drivers over age 60 can be hard to find. Don’t let that ruin your day, because there may be ways you can still get auto insurance that is more affordable.

Trying to find budget insurance is not most people’s favorite thing to do, and finding out which company offers the most affordable car insurance rates for drivers over age 60 will take even more diligence. Insurance premiums may be a little bit lower-priced than the state average, with the decrease attributed to the reduced risk related to offering insurance for older drivers. Budget-friendly insurance should be easy to find with minimal effort.
Each auto insurer uses their own formula for setting prices, so we’ll go over the car insurance companies that tend to be cheaper in Arizona.

We do need to point out that Arizona car insurance rates are calculated based on many things which can substantially change your annual premium. This price variability is why Arizona drivers need to do a thorough rate comparison to find the lowest insurance quotes for drivers over age 60. Auto insurance prices are influenced by many risk factors and change substantially, so the most economical option a year ago may now cost much more than other companies.

Best Cheap Insurance Rates for Age 60+

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The Hartford may have some of the lowest car insurance rates in Arizona at around $836 annually. Auto-Owners, Safeco, USAA, and Travelers also are some of the lowest-priced Arizona insurance companies.

As the example above demonstrates, if you buy coverage from USAA and switched to The Hartford, you could earn a yearly savings of approxmiately $255. Arizona drivers with Travelers might save as much as $272 a year, and Progressive insureds might reduce rates by $328 a year.

To get a quick, customized rate comparison, click here to start a quote or quote prices from the following companies.

These estimates are averages for all drivers and vehicles and and are not figured with a rate decrease for drivers over age 60. So the company that has the cheapest rates for you may not even be shown in the list of companies shown earlier. That points out the importance of why you need to get car insurance quotes using your own driver data and vehicle information.

For older drivers, one of the largest things that is used to calculate auto insurance rates is where your home is located in Arizona. Areas with more people or more claims like Phoenix, Avondale, and Scottsdale tend to have more expensive auto insurance rates, whereas areas with less congestion have the luxury of cheap car insurance for drivers over age 60 in Arizona.

The illustration below ranks the most expensive areas in Arizona for drivers over age 60 to buy auto insurance in.

Premium amounts are estimated as vehicle location can impact prices greatly.

Cost and performance of the vehicle requiring insurance is a large consideration when comparing quotes for low-priced insurance for drivers over age 60. Vehicles with higher performance characteristics, poor safety ratings, or high incidents of liability claims will cost much more to insure than safer, lower-performance models. The next tables outlines auto insurance rates for a selection of the cheaper automobiles to buy coverage for.

Premium data assumes single male driver age 60, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Estimates do not factor in Arizona location which can influence auto insurance rates greatly.

Table data assumes single male driver age 60, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate information does not factor in garaging location in Arizona which can lower or raise coverage rates noticeably.

Prices above based on single male driver age 60, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in garaging location in Arizona which can lower or raise premium rates noticeably.

Get discount Arizona insurance

Car insurance companies that provide cheap car insurance for drivers over age 60 in Arizona could also offer rate discounts that can reduce rates by as much as 35% or more if you can meet the requirements. A list of companies and a partial list of their discounts are shown below.

The information below illustrates the comparison of annual premium costs with and without discounts applied. The data assumes a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with vehicle safety, defensive driving course, marriage, safe-driver, homeowner, and accident-free discounts applied. With discounts applied, the average savings per year on car insurance for drivers over age 60 is % or $.

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Cheapest car insurance: Progressive, State Farm, Geico, or Allstate

When comparing car insurance for older drivers in Arizona, the four most popular companies are Progressive, State Farm, Geico, and Allstate. If you add them together, they insure nearly half of all car insurance policies in America. They all offer a little bit different set of discounts and options that buyers can choose from. The next table ranks some of the different features offered by each company.

Who has the cheapest insurance quotes for older drivers?

There are quite a few ways to find lower-cost car insurance in Arizona, but the three most common are from an exclusive insurance agency like Liberty Mutual or Allstate, an independent insurance agent, or from a direct company like Geico.

They all follow the same basic process, but it’s good to know the differences in how they price policies.

Independent agencies are appointed by several companies and can provide price quotes from all of them. Independent agents are usually affiliated with several companies and can give you more rates, which can give you the best chance of finding a lower price. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.

Exclusive agents are only able to give rates for a single insurance company such as a State Farm or Farmers agent. Exclusive agents normally do not have the ability to quote rates from more than one company, so you need to shop around if the rates are high.

If you choose to buy car insurance direct, you bypass the middleman (the agent) and instead shop from a direct company like Esurance or Progressive. This car insurance option may be a decent choice drivers who do not need complex risk management and know more than average about what coverages they need.

So which method is best for finding cheap car insurance for drivers over age 60 in Arizona? The majority of people assume that buying from a direct car insurance company results in the best prices because you bypass the middleman, but unfortunately, it’s not that simple. We could also say that using an independent agent can save the most money because they can quote many companies, but that idea is not necessarily true either. In some circumstances, exclusive agencies have price quotes that cannot be met by either independent or direct companies.

Because of the variability of car insurance rates, the best method to get the lowest rate is to get as many comparison quotes as possible. The best approach is to get rate quotes from independent agents, exclusive agents, and direct companies in order to find the best price. For a list of companies with online discounts, click here to view.