Who Has Cheap Auto Insurance for Homeowners in Arizona?

Wouldn’t it be so easy if we could just give you the name of the one auto insurance company that has the cheapest insurance for homeowners? It’s not that easy, however, as there are a ton of unknown factors like which neighborhood you live in, your marital status, and citations or tickets, that all influence how much you pay for auto insurance. This article will detail the best ways to avoid high prices and hopefully give you enough understanding to have a good start in finding the cheapest insurance.

For people who own their homes, one of the big components that control rate quotes is where you choose to live in Arizona. Cities with larger populations or higher claim trends like Phoenix, Avondale, and Scottsdale tend to pay higher rates, whereas areas that are not as densely populated generally benefit from lower auto insurance rates.

The information below displays the most expensive cities in Arizona for homeowners to purchase auto insurance in.

Price information shown is approximated as specific location information can change premiums greatly.

Performance level and cost of the vehicle you are insuring is probably the biggest factor that determines whether or not you can buy the most economical auto insurance for homeowners. Vehicles with average performance, excellent safety ratings, or a low likelihood of having liability claims will cost much less to insure than high performance models. The next lists features auto insurance premiums for the cheaper automobiles to insure in Arizona.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Prices do not factor in specific location information which can modify insurance rates considerably.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in specific garaging location which can impact coverage rates greatly.

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium costs do not factor in specific zip code location which can modify rates substantially.

Figuring out which insurers offer the best car insurance rates for homeowners will involve a bit more work than just getting one or two price quotes.

Each auto insurance company has a different process to set policy rates, so let’s look at the rankings for the most budget-friendly car insurance companies in Arizona.

Cheap Insurance Rates for Homeowners

Get a Free Quote and Save

The Hartford quotes some of the best car insurance rates in Arizona at around $820 per year. Safeco, Auto-Owners, USAA, and Travelers also qualify as some of the most economical Arizona auto insurance companies.

As illustrated above, if you are currently insured with Safeco and switched to The Hartford, you could earn savings of around $76. Policyholders with Auto-Owners may save as much as $104 a year, and USAA customers might lower prices by $260 a year.

Bear in mind that those rates are averages across all types of drivers and the different vehicles they drive and and are not calculated with a rate decrease for homeowners. So the auto insurance company that can offer you the best rate may not even be in the list of companies shown earlier. That affirms the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.

Responsible drivers pay cheaper Arizona car insurance rates

The easiest method to maintain cheap car insurance premiums in Arizona for people who own their homes is to be a safe driver and not receive tickets or have accidents. The diagram below demonstrates how traffic citations and accidents can influence car insurance rates for different age groups. The prices are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 3673,4371,5073],[‘Age 30’, 1907,2605,3309],[‘Age 40’, 1887,2583,3285],[‘Age 50’, 1715,2413,3117],[‘Age 60’, 1659,2357,3063],[‘Age 70’, 2021,2719,3425]]);var options = {title: ‘Impact of Tickets and Accidents on Arizona Auto Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of auto insurance per year with no violations or accidents is $2,144. Add in two speeding tickets and the average cost swells to $2,841, an increase of $698 each year. Now include one accident along with the two speeding tickets and the yearly cost of car insurance for homeowners goes up to an average of $3,545. That’s an increase of $1,402, or $117 per month, just for not driving responsibly!

Find cheap auto insurance for homeowners in Arizona

Here are some of the recommended money-saving suggestions that can help drivers locate lower-cost car insurance.

• Raise your deductibles
• Avoid getting citations and tickets
• Do not pay for comprehensive and collision coverage on older vehicles
• Get cheaper liability coverage by choosing a safer vehicle
• Avoid having at-fault accidents
• Better credit rating means better rates
• Compare prices frequently to find the best deal

That last idea is very vital, as we noted in the prior article. Coverage prices in Arizona can be changed at any time, so don’t be afraid to buy from a new company if you find a cheaper price. Having a favorite company is great, but is isn’t recommended if that faithfulness ends up costing you thousands of dollars over the life of your policy. If you have a few minutes, compare rates to find cheaper auto insurance for homeowners.

Cheapest insurance quotes for people who own their homes

Thanks to technology, there are a lot of ways to quote car insurance rates in Arizona, but the most preferred are either through an independent or non-exclusive agent, an exclusive insurance agent such as State Farm or Allstate, or from a direct company like Progressive. Each way has the same basic process, but buyers should know the differences in how they function.

Independent agencies work with multiple companies and can get policy pricing from every one. Agents of this type can sell policies from many different companies and can provide multiple price quotes, which can give you a better comparison. If the agent locates a cheaper price, they simply switch companies in-house and you can keep the same agent.

An exclusive ageny is only able to quote rates from a single insurance company such as Liberty Mutual and Allstate agents. These agents normally cannot provide other companys’ prices, so if their prices are high, they cannot shop around.

Direct car insurance buyers forego an exlusive or independent agent and buy from a direct company like Esurance. Shopping for car insurance direct can be a good choice for people who have little risk and have some degree of understanding of what limits they need.

So which one of the three ways works best to buy cheap auto insurance for homeowners in Arizona? The majority of car insurance shoppers assume that buying from a direct car insurance company results in the best prices because there is no agent involved, but in reality, that argument does not hold true. A valid argument could also be made that going through an independent agent can save the most money due to increased selection, but that is not necessarily true either. In a lot of cases, exclusive agencies have very competitive rates that other car insurance companies cannot touch.

Because it’s impossible to say who has the best car insurance rates, the only real way to buy the cheapest coverage is to do a thorough rate comparison. We recommend you get rate quotes from all three to give yourself enough choices. For a list of companies with some of the cheapest Arizona car insurance rates, click here to view.