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Saturday, June 28, 2008
How to Find Cheap Arizona High Risk Car Insurance Rates
Finding cheap Arizona high risk car insurance rates can seem like an insurmountable mountain of a task at first but it is certainly possible to find a cheap Arizona auto insurance policy even if you are categorized as a high risk driver. They key to finding a cheap Arizona high risk car insurance policy that will meet your needs while not putting an undue strain on your pocketbook is to do your homework. Let's get started learning some of the various ways that AZ high risk drivers can find a cheap auto insurance rate!
In the Arizona the number of vehicles on the roads keeps increasing, and with it the number of accidents and traffic citations keep going up. Americans have come increasingly aware that the higher number of autos on the road means higher auto insurance premiums and a higher likelihood of accidents. With the accident rates going up and perhaps the number of yearly accidents increasing, the probability of what is called a "high risk" driver applying for automobile insurance is not that slim. It is true that drivers that have had a history of traffic citations and automobile accidents have a harder time finding cheap automobile insurance; however it is important to understand that with a little bit of effort and understanding of the auto insurance industry; finding a low cost automobile insurance policy is possible.
The reason that Arizona car insurance companies charge these individuals more per premium than other drivers is because the "risk" of insuring them is greater. Auto insurance quotes are based on the risk given to auto insurance companies by their customers. This means that if you have a clean record with no accidents or tickets for quote a while; you will be given a lower rate simply because you offer less risk. On the other hand, a person that constantly makes mistakes while driving that result in citations or that simply does not know how to drive defensively will represent a higher probability of wrecks for the company; which in turn may drive the yearly rate sky high! If you are worried that you may be termed a high risk driver then don't panic because there are steps that you can take to find a cheap policy.
Just like any other customer that is buying Arizona automobile insurance, it is extremely important for a "high risk" driver to shop around. If they are going to shop for insurance through the Internet, perhaps the best thing would be to visit a comparison website. Comparison websites allow you to fill out your information only once and they will give you insurance quotes for a variety of companies.
You will also have the option of visiting your independent local agencies in person if you so choose. This will allow you in interacting with the agents better and asking them questions about how high your rate will be if you have made a few "mistakes" in the past. They will guide you through the process and let your know how much would the quote be. Also, make sure to ask what could be some things that will lower your rate even after reading the tips that follow. Do this just to make sure that you have done everything in your power to get a cheap policy.
Two things that have to do with your coverage that will for sure lower the cost of your policy even if you have had a history of tickets and accidents; would be to raise your deductible and drop coverage that you don't need. The first thing you need to do before trying to raise your deductible will be to see if you can afford it in case of an accident. If you can afford it then raise it as much as you like (consider that one of the best deductibles is $500 because it balances out pretty good). A higher deductible will mean more out of pocket dollars that will come out of your wallet after an accident, but it will also mean that the insurance company won't have to pay as much and therefore they would lower your monthly premiums.
The other thing you can do in order to get cheaper insurance would be to drop some of the coverage that you don't need. Usually if your car is considerably old you should drop your collision and comprehensive coverage (only if you can afford to that is), because that can save you a HUGE amount of money. Another thing worth mentioning that many people are doing is dropping the medical part of their AZ automobile insurance policy. If you have independent health insurance there is no need to have it through your auto insurance company, so just drop it and save some money in the process.
It is also important for you to ask for discounts. Although you will not be selected for any discounts involving a good driving record, there are many others that can do you good. One of them for example is the safety feature discount that allows drivers with alarms, automatic seatbelts, anti-lock brakes, air bags and other stuff to same significant amounts of money. You could even go as far as to take a defensive driving course given to you by the AZ Department of Motor Vehicles or any other traffic school. It is worth mentioning that nowadays more insurance companies are starting to give defensive driving courses to people that want to save money on car insurance.
Last but not least, try to apply for a low mileage discount. The less time on the road means a decrease in the probability of an accident so insurance companies will definitely give you a good discount for this one. Discounts can definitely help you save significant amounts of money when it comes to automobile insurance, especially if you are a "high risk" driver.
As you can see "high risk" drivers can save money too when it comes down to getting a cheap Arizona high risk auto insurance quote. It is important to shop around and do everything possible in order to start off with the right foot and the best price in the market. Make sure you think about your coverage and keep in mind the things that will allow you to save money when time comes to getting a quote.
In the Arizona the number of vehicles on the roads keeps increasing, and with it the number of accidents and traffic citations keep going up. Americans have come increasingly aware that the higher number of autos on the road means higher auto insurance premiums and a higher likelihood of accidents. With the accident rates going up and perhaps the number of yearly accidents increasing, the probability of what is called a "high risk" driver applying for automobile insurance is not that slim. It is true that drivers that have had a history of traffic citations and automobile accidents have a harder time finding cheap automobile insurance; however it is important to understand that with a little bit of effort and understanding of the auto insurance industry; finding a low cost automobile insurance policy is possible.
The reason that Arizona car insurance companies charge these individuals more per premium than other drivers is because the "risk" of insuring them is greater. Auto insurance quotes are based on the risk given to auto insurance companies by their customers. This means that if you have a clean record with no accidents or tickets for quote a while; you will be given a lower rate simply because you offer less risk. On the other hand, a person that constantly makes mistakes while driving that result in citations or that simply does not know how to drive defensively will represent a higher probability of wrecks for the company; which in turn may drive the yearly rate sky high! If you are worried that you may be termed a high risk driver then don't panic because there are steps that you can take to find a cheap policy.
Just like any other customer that is buying Arizona automobile insurance, it is extremely important for a "high risk" driver to shop around. If they are going to shop for insurance through the Internet, perhaps the best thing would be to visit a comparison website. Comparison websites allow you to fill out your information only once and they will give you insurance quotes for a variety of companies.
You will also have the option of visiting your independent local agencies in person if you so choose. This will allow you in interacting with the agents better and asking them questions about how high your rate will be if you have made a few "mistakes" in the past. They will guide you through the process and let your know how much would the quote be. Also, make sure to ask what could be some things that will lower your rate even after reading the tips that follow. Do this just to make sure that you have done everything in your power to get a cheap policy.
Two things that have to do with your coverage that will for sure lower the cost of your policy even if you have had a history of tickets and accidents; would be to raise your deductible and drop coverage that you don't need. The first thing you need to do before trying to raise your deductible will be to see if you can afford it in case of an accident. If you can afford it then raise it as much as you like (consider that one of the best deductibles is $500 because it balances out pretty good). A higher deductible will mean more out of pocket dollars that will come out of your wallet after an accident, but it will also mean that the insurance company won't have to pay as much and therefore they would lower your monthly premiums.
The other thing you can do in order to get cheaper insurance would be to drop some of the coverage that you don't need. Usually if your car is considerably old you should drop your collision and comprehensive coverage (only if you can afford to that is), because that can save you a HUGE amount of money. Another thing worth mentioning that many people are doing is dropping the medical part of their AZ automobile insurance policy. If you have independent health insurance there is no need to have it through your auto insurance company, so just drop it and save some money in the process.
It is also important for you to ask for discounts. Although you will not be selected for any discounts involving a good driving record, there are many others that can do you good. One of them for example is the safety feature discount that allows drivers with alarms, automatic seatbelts, anti-lock brakes, air bags and other stuff to same significant amounts of money. You could even go as far as to take a defensive driving course given to you by the AZ Department of Motor Vehicles or any other traffic school. It is worth mentioning that nowadays more insurance companies are starting to give defensive driving courses to people that want to save money on car insurance.
Last but not least, try to apply for a low mileage discount. The less time on the road means a decrease in the probability of an accident so insurance companies will definitely give you a good discount for this one. Discounts can definitely help you save significant amounts of money when it comes to automobile insurance, especially if you are a "high risk" driver.
As you can see "high risk" drivers can save money too when it comes down to getting a cheap Arizona high risk auto insurance quote. It is important to shop around and do everything possible in order to start off with the right foot and the best price in the market. Make sure you think about your coverage and keep in mind the things that will allow you to save money when time comes to getting a quote.
# posted by gopi @ 5:10 AM 
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