Cost of auto insurance in Phoenix is determined by many factors. The model of your vehicle is one of the main factors that determines the cost of auto insurance in Phoenix. You will have to pay more for coverage if your vehicle is more expensive. Luckily, it's possible to find the cheapest car insurance in Phoenix by shopping around.
Drivers 40 years old and over can expect to pay $1,748 per year in Phoenix. This is significantly lower than the $2,534 drivers will pay elsewhere in the country. Your premium will be affected by more than just the model of your car. It also depends on your driving history and age.
Insurers will often quote higher prices for drivers who live in areas with a high number of accidents or claims. Drivers with good driving records, good credit scores and good driving records can save up to 65%. Requesting a customized quotation is a smart move.
Rates can be affected by more than just gender and age. Credit score and location could also have an impact. You may qualify for discounts if you're a homeowner or federal employee. USAA offers low rates for military veterans. State Farm is a good choice for young drivers.
GEICO is a good choice if you're looking for affordable full coverage insurance in Phoenix. Their rates are about half of the national average, making them the cheapest option in the city. They also offer a variety of coverage options, including comprehensive, collision, and other liability policies.
If you are looking for the best auto insurance deals in Phoenix, it is important to look at how the insurers calculate their premiums. Each company has its own formula. Progressive's formulas take into account driver's age and driving records to determine how much coverage they will need. Progressive is a good choice because you can save upto $1,134 per annum.
The next cheapest option is State Farm. Phoenix car insurance costs an average of $1338. Unlike most other car insurance companies, State Farm only provides insurance for civilian families.
Your rates will increase if your driving record includes reckless or at-fault driving. If you are convicted on a DUI or other driving offence, your premium may rise up to $934 per the year. You can also avoid speeding and other dangerous driving offenses to avoid any charges.
However, if you are a safe driver, your monthly premium should be lower. Although many factors can affect your premium, there is usually a discount for safe driving. The insurer may offer discounts if you have a clean driving record and/or a full coverage policy.
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. It is possible that your premium will exceed the actual value of your car so make sure you are getting the right amount.