There are many factors that influence the cost of Phoenix auto insurance. One of the most important factors is your vehicle's make and model. The coverage you need will be more costly if your vehicle costs more. 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 rate is much lower than what they would pay in other areas of the country, which is $2,534 Your premium is affected by your vehicle's model, your age, and your driving history.
Insurers will often quote higher prices for drivers who live in areas with a high number of accidents or claims. Drivers with a good driving record and excellent credit score can save up 65 percent. Requesting a personalized quote is a smart idea.
Rates will also be affected if you are older or more mature than you are. You may qualify for discounts if you're a homeowner or federal employee. USAA offers low rates for military veterans. Other insurance companies, such as State Farm, may be a better choice for young and new drivers.
GEICO is a good choice if you're looking for affordable full coverage insurance in Phoenix. Their rates are approximately half of the national average making them the most affordable option in the city. You can also choose from comprehensive, collision, or other liability coverages.
Look into the way that the insurance companies calculate the premiums when you're looking for auto insurance Phoenix. Each company uses their own formula. Progressive's formulas take into account driver's age and driving records to determine how much coverage they will need. Progressive can help you save as much as $1,134 per year.
State Farm is the next best option. Phoenix car insurance costs an average of $1338. State Farm offers only insurance for civilian families, and this is unlike other car insurers.
If you have a history of reckless or at-fault driving, you can expect your rate to increase significantly. If you are convicted for DUI or any other driving offense, your premium can go up to $934 per annum. If you avoid speeding or other dangerous actions, you could avoid any charges.
On the other hand, if you have a clean driving record, your monthly premium should be lower than other Phoenix drivers. There are many factors that affect your premium. However, you may be eligible for a discount if you drive safely. There may be discounts for purchasing full coverage policies or maintaining a clean driving record.
Phoenix full coverage insurance will cover you for property damage and non collision damages. However, it will cost more than the minimum coverage policy. Your premium could be higher than the car's value, so make sure you get the right coverage.