There are many factors that influence the cost of Phoenix auto insurance. One of the most important is the model of vehicle you own. The higher the vehicle's value, the more coverage you will need. Luckily, it's possible to find the cheapest car insurance in Phoenix by shopping around.
In Phoenix, drivers age 40 and older can expect to pay an average of $1,748 a year. This rate is considerably less than the $2,534 they'll pay in other parts of 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 a good driving record and excellent credit score can save up 65 percent. It's a good idea to request a customized quote.
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 may be a better option for young drivers.
GEICO is a good choice if you're looking for affordable full coverage insurance in Phoenix. Their rates are around half of the average national rate, making them the most affordable option for the city. You can also choose from comprehensive, collision, or other liability coverages.
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, for instance, uses driver's history and age as a basis to determine the cost of coverage. Progressive insurance can be a great way to save up $1,134 each year.
State Farm is the next-cheapest option. You'll pay an average of $1,338 for your car insurance in Phoenix. State Farm provides insurance only for civilian families and is not like other car insurance providers.
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. Avoid speeding or engaging in other dangerous behavior to avoid any criminal charges.
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 cover you for property damage and non collision damages. However, it will cost more than the minimum coverage policy. Also, your premium might exceed the value of your car, so it's important to make sure you're getting the right amount of coverage for your needs.