There are several factors that affect the cost for auto insurance in Phoenix. One of the most important is the model of vehicle you own. The more expensive your vehicle is, the more you'll have to pay for coverage. You can find the lowest cost car insurance in Phoenix if you shop around.
In Phoenix, drivers age 40 and older can expect to pay an average of $1,748 a year. This is significantly lower than the $2,534 drivers will pay elsewhere in the country. Aside from the model of your vehicle, age and driving history also affect your premium.
Insurers will often quote higher prices for drivers who live in areas with a high number of accidents or claims. Drivers with excellent driving records and high credit scores could save up to 65%. Requesting a customized quotation is a smart move.
Your rates will be affected by other factors than your gender and age. A homeowner or federal employee may qualify for discounts. If you're a military veteran, you can find low rates with USAA. State Farm and other insurance companies may offer better rates for new or young drivers.
GEICO Insurance may be the best choice if full coverage is what you need. They offer the best value in Phoenix with rates that are half the national average. They offer several coverage options, including comprehensive, accident, and other liability insurance.
The premium calculation process used by the insurers to determine the cost of auto insurance in Phoenix is something you need to consider when looking for the best deal. Each company uses a different formula. Progressive, for instance, uses driver's history and age as a basis to determine the cost of coverage. Progressive can help you save as much as $1,134 per year.
State Farm is the next-cheapest option. Phoenix residents will pay on average $1,338 per year for car insurance. State Farm provides insurance only for civilian families and is not like other car insurance providers.
Your rate will rise if you have a history reckless or at fault driving. Your premium will climb up to $934 a year if you're convicted of a DUI or other driving offense. Alternatively, you can avoid any charges at all by avoiding speeding or other dangerous behaviors.
If you drive well, your monthly premium will likely be lower than the Phoenix drivers. Although many factors can affect your premium, there is usually a discount for safe driving. There may be discounts for purchasing full coverage policies or maintaining a clean driving record.
Phoenix Full coverage insurance will provide protection against property damage, and non-collision damage. However it will be more costly than the minimum coverage policy. Your premium could be higher than the car's value, so make sure you get the right coverage.