Cheap Auto Insurance for a School Permit in Arizona

Determining which company quotes the lowest-priced auto insurance rates for a school permit calls for a tad more effort than just comparing a company or two. Every car insurance company uses a little different formula for setting rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Arizona.

It’s important to understand that Arizona auto insurance rates are based on many factors that may substantially change the cost of coverage. Improving your credit rating, having a teen driver, or getting a driving violation can cause premium changes resulting in some rates now being cheaper in comparison to the competition.

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google.charts.setOnLoadCallback(drawAZT5qcibChart);function drawAZT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘The Hartford’, 811, ‘#33CFCA’], [‘Safeco’, 905, ‘#2AACA8’], [‘Auto-Owners’, 915, ‘#238F8C’], [‘USAA’, 1080, ‘#1D7774’], [‘Progressive’, 1118, ‘#186360’]]);var options = {title: ‘Top Five Most Affordable Car Insurance Companies in Arizona’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1218,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

The Hartford has some of the lowest car insurance rates in Arizona at around $811 per year. Safeco, Auto-Owners, USAA, and Progressive are also some of the best Arizona auto insurance companies.

In the above example, if you currently have a policy with USAA and switched to Safeco, you could realize an annual savings of upwards of $175. Drivers with Progressive might save as much as $213 a year, and Travelers insureds might reduce rates by $214 a year.

Be aware that those premiums are averages across all types of drivers and the different vehicles they drive and do not take into consideration a rate increase for a school permit. So the company that has the lowest price for you may not even be shown in the rate chart shown above. That helps illustrate why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Performance level and cost of the vehicle that needs insurance is a large factor that determines the availablility of low-cost auto insurance for a school permit. Vehicles with high performance engines, a lack of advanced safety features, or a history of substantial liability claims will cost more to insure than more economical and safe models. The information below ranks car insurance rates for a selection of the most cost-effective vehicles to buy insurance for.

Price data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in Arizona location which can change coverage prices greatly.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific location information which can revise insurance rates considerably.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in garaging location in Arizona which can lower or raise auto insurance rates noticeably.

For a learners permit, one of the more important things used to determine the price you pay for insurance is your zip code. Cities with larger populations or higher claims like Phoenix, Avondale, and Mesa tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims receive better rates.

The next table illustrates the highest-priced places in Arizona for a school permit to buy an auto insurance policy in.

Price information shown is comparative as specific location information can revise price quotes considerably.

Responsible drivers pay cheaper Arizona auto insurance rates

The best way to receive affordable auto insurance prices in Arizona for a learners permit is to drive attentively and avoid getting tickets or having accidents. The chart below highlights how speeding tickets and accident claims can affect insurance premiums for each different age category. The premium estimates are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

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In the chart above, the average cost of an auto insurance policy per year with no violations or accidents is $1,579. Add in one speeding ticket and the average cost rises to $1,778, an increase of $199 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of auto insurance for a school permit goes up to an average of $3,497. That’s an increase of $1,918, or $160 per month, just for being a careless driver!

Types of discounts on Arizona car insurance rates

Auto insurance companies that sell cheap car insurance for a school permit in Arizona may provide rate discounts that could lower prices by 25% or more if you are eligible for them. A list of companies and some of the discounts are included below.

The illustration below visualizes the comparison of insurance rates with and without discounts. The data is based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with good student, anti-theft, paperless filing, vehicle safety, continuous coverage, and paid-in-full discounts applied. When these discounts are applied, the average savings per year on auto insurance for a school permit is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 16’, 4351,3103],[‘Age 30’, 1609,1161],[‘Age 40’, 1507,1087],[‘Age 50’, 1317,951],[‘Age 60’, 1277,923]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a School Permit’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,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(‘qcibdisc’));chart.draw(data, options);}