Reader’s Question:

I have auto liability insurance here in Arizona and we usually rent a car whenever we travel. What coverage from the rental car company do I no longer need to buy?

Harry

Scottsdale, AZ

Since you have auto liability insurance in Arizona, your own coverage will take effect first in case you get involved in an accident wherein you are at-fault. Also, keep in mind that you do not have to pay any deductible for auto liability insurance.

Rental vehicle company protection for unintentional demise and personal property coverage may not be necessary if you have coverage for health, homeowners or renters and life insurance. That additional coverage will only provide you useless “double coverage” because you are already paying for them on your own insurances. Normally, if you have MedPay coverage from your car insurance or if you have health insurance, it will pay for any medical expense, no matter what vehicle you drive. Your homeowners insurance generally provides coverage for personal property if it is stolen or damaged while in your vehicle. Also, your life insurance would apply anyhow you meet your demise.

Prior to renting a car, you have to go over your car and homeowners insurances so that you know which protection you have while using a rental car. Also, go over the things that the rental vehicle company offers and make a comparison on the coverage that you have. Through this, you could stay away from purchasing coverage that is not necessary.

Tags: auto insurance, car, rental car insurance

Reader’s Question:

I heard about this low-mileage discount that can reduce my car insurance costs here in Arizona. How can I possibly qualify for this and could you give me some tips in reducing my mileage?

Sawyer

Gilbert, AZ

Fuel prices are increasing that is why more Americans use public transportation, carpool and combine their errands to lessen their driving. A number of insurance providers are currently offering discounts for low-mileage motorists. Those who drive not more than 15,000 miles annually could save as much as 54% on their auto insurance premiums. The increase in fuel prices is becoming a critical subject in the US and apparently, most of the drivers would like to cut down on their use of fuel. Some car insurance companies would like to inform their consumers about whatever it is they could do to save money.

To be able to cut back on fuel, you could do the following:

–Keep the proper maintenance programme of your car so that it can aid in avoiding damage and lessen the costs for future repairs.

–Keep the engine tuned and the tires inflated because if the car runs smoothly, this would boost your car’s miles per gallon.

–Clean your vehicle by removing extra clutter on your car so that you could lessen the weight and boost your car’s miles per gallon. However, make certain that you still have important things in the car such as your emergency kit.

–Prevent quick stops and quick starts because they could boost your car’s gas mileage.

–Arrange your trips such as combining errands into one trip. This way, you could lessen your driving and the amount of fuel that you use.

Tags: car insurance, car insurance discounts, cheap auto insurance

Reader’s Question:

I have finally gotten a formal job after my graduation and I also need to switch auto insurance companies. Does my job here in Arizona factor in the premiums that I would have to pay for my auto insurance?

Aden

Arivaca, AZ

Yes, the kind of job that you have could influence your auto insurance premiums in Arizona. According to most vehicle insurance providers, they have collected information that scientists, artists and pilots have the cheapest car insurance premiums and they normally pay $935.76 annually. The people who shell out the most for their car insurance premiums are the lawyers, judges, CEO’s and entrepreneurs as they normally pay $1,383.63 annually.

Lawyers, judges, CEO’s and entrepreneurs have extremely demanding types of jobs that need them to use up their time in their vehicles and often use their mobile phones than a typical motorist. Considering all of these things, insurance experts say that these jobs are claimed as “high-risk” and normally pay higher for vehicle insurance than other people.

Scientists are considered careful and detail-oriented, which transform to good driving behaviors. As for pilots, their profession needs them to pay attention to the safety and comfort of other people and this suggests better driving practices. The profession of artists, as well as actors and performers expect them to do their tasks in the city which is why they are more likely to use public transportations rather than driving. This regulates their time in the vehicle and lowering the possibility of an accident.

Tags: auto insurance, auto insurance premiums, auto insurance rates

Reader’s Question:

We’ll be adding our son as a named driver in our car insurance policy here in Arizona as soon as he gets his permanent license. Since he is a young driver and we are told that the rates will be higher for him, is there still a way that we can have cheap car insurance?

Gage

North Pinal, AZ

Young drivers who are under the age of 25 are considered to be the highest risk to car insurance companies because they have so many accidents in which they are to blame. Car insurance providers attempt to control young drivers (age 16-24) from having more accidents by charging them higher car insurance premiums than drivers who belong to another age bracket. You may very well add your son in your car insurance policy in Arizona even though it may not do so much. However, you can get discounts such as multiple cars and safe-driver discounts if your son completed a defensive driving course.

If you’ll get him his own car, make sure that the one that he drives is an economy model, one that is not so high to insure. He may just opt to drive an older car because it is usually considered as lower risk to car insurance providers since the cost to repair or replace it would be not as high as it would be for newer model cars. If the car insurance providers consider it as low risk, this means lower car insurance rates for you and your young driver. If you so this, he can have car insurance policy on his own rather than being a named driver on your policy.

Tags: car insurance, car insurance policy, cheap auto insurance, young driver car insurance

Reader’s Question:

I don’t expect to have an accident and of course, I pray not to. But in case I’ll be in an accident and my car insurance company here in Arizona totalled my car, will they buy me a new car?

Lars

Catalina Foothills, AZ

No one would like to be in an accident because aside from the damage that it will do to you and your car physically, you may also be damaged financially. Not to mention the experience can be so traumatic and frightening. However, even if we try our best to avoid any untoward incidents on the road, accidents still do happen. And if you find yourself in this situation and your car insurance company in Arizona declared your car as a total loss, you would probably want a new car. Unfortunately, that may not be the case even if you consider your car as new.

Sorry to say but even a new vehicle drops some of it worth the moment that you steer the wheel and take it with you. However, some car insurance providers give Guaranteed Replacement Cost coverage for newer vehicles. For that reason, you do not have to that much bothered on the value that you will be paid because it would give coverage for a new vehicle. In case you do not have this coverage as part of your auto insurance policy, your insurer will be required to “make you whole,” like how it is described in your policy. This implies that your auto insurance provider would compensate you for the actual cash value of the vehicle, taking away the deductibles for the collision coverage on your insurance policy.

Tags: car insurance, car insurance policy

Reader’s Question:

I hear a lot of car owners here in Arizona that I can be able to save some money on my auto insurance if I switch companies, how true is this?

Lamar

Tempe, AZ

Some drivers may have already experienced switching auto insurance companies and got a lot of savings. However, not only a number of car owners in Arizona say that you can save some money by switching auto insurance providers but also the insurance providers themselves. It is likely that you have already encountered some advertisements that make this kind of claim. The reason behind this claim is because auto insurance is an extremely competitive industry and one of the most proven ways to lessen auto insurance premiums is to simply shop around. Motorists must go with an insurance provider that will give a reasonable price together with outstanding service.

On the other hand, the premiums for the same auto insurance policy from the same insurance provider are established by the law. These premiums are permitted by the state of Arizona and could not be adjusted by an insurance agent. Because of this, you could not get a better premium for the same policy just by having another agent or by trying to negotiate the charges. An excellent plan is to make a decision on the insurance coverage and options that you need and get as much quotes that you can from different companies and compare them to get the best premiums.

Tags: auto insurance, auto insurance company, car insurance premium

Reader’s Question:

The time has finally come that I decided to get us a hybrid vehicle we’ve always wanted. Is it true that I can be able to save and get some discounts including my auto insurance for having a hybrid vehicle here in Chandler, Arizona?

Benito

Chandler, AZ

A lot of people want a hybrid vehicle because its technology is designed to save gas. But you have to be sure that you know which type of hybrid vehicle to purchase because some hybrid vehicles are not intended to save gas, but rather to boost performance. Nevertheless, if you purchase a hybrid vehicle in Chandler, Arizona, you may be entitled for some discounts. Some of the hybrid models could be eligible for a federal tax incentive. Moreover, a lot of states offer parking incentives as well as toll or other driving incentives. So when you add up these savings and the money you could save on gas, you’ll realize that hybrid doesn’t seem so expensive.

One other opportunity to save on having a hybrid vehicle is the discount you can get on your auto insurance. Some auto insurance providers have begun offering discounts of up to 10% for hybrid vehicle insurance premiums but it depends on the kind of hybrid. You would have to shop around and compare quotes for hybrid vehicle insurance from various insurers to find out who’s got the best one and you may very well start from this website.

Tags: auto insurance, hybrid vehicle

Reader’s Question:

What coverage options for cheap auto insurance here in Tucson, Arizona do I have as a student? Would it be better to get insurance on my own or remain under my parents’ insurance policy?

Nasir

Tucson, AZ

Since you want to have cheap student auto insurance in Tucson, Arizona, you should check every option that you have. You may presume that remaining on your parents’ auto insurance policy is the most affordable option, but you could be amazed to know that it is not. You could have high coverage and lower deductibles than what you need on your parents’ insurance policy. Aside from the fact that you will have a discount for already having insurance, you may lessen your premiums by switching your choices. Your vehicle cost could be not as much and your assets are possibly not more than your parents’ so you could obtain cheaper auto insurance by raising your deductible and slashing your coverage a bit.

Majority of students do not have a lot of assets you may just purchase a little coverage in the mean time. But remember that a lot of state minimum limits don’t even give full coverage if you damage a new vehicle. The most convenient way to find out how much you could save is by looking around and comparing auto insurance premiums from as many insurers as possible. I suggest you take time getting comparison auto insurance quotes available from this website.

Tags: auto insurance, auto insurance quotes, cheap auto insurance, student car insurance

Reader’s Question:

I have never filed a claim on my auto insurance and I have just renewed my policy here in Scottsdale, Arizona. I am just curious to know, is it true that men file more car insurance claims and have higher insurance rates than women?

Terra

Scottsdale, AZ

According to statistics from the National Highway Traffic Safety Administration (NHTSA), male motorists file more auto insurance claims than female motorists. This is not just for men who are between 18 and 24 years old but it is for men of all ages. The reason behind this is that men are usually more assertive and likely to get on dangerous driving practices like not wearing seat belts, driving under the influence, etc. Male motorists also drive more miles than female motorists which intensifies their risk of being involved in a collision and the number of car insurance claims that they may probably file.

You have to keep in mind that insurance providers, including those in Scottsdale, Arizona, are very much aware of these data and assess their auto insurance premiums appropriately. Even if a male driver has a flawless driving history, exceptional credit score and resides in a low risk area, he is still apt in paying higher car insurance rates than women. However, over the previous couple of years, there has been a rise in women driving more frequently and for prolonged periods of time. This could be because women are dealing with full-time jobs, take their kids to school, etc. All of these things add to their time driving and bump up their stress level and could bring about aggressive manners on the road.

Tags: auto insurance claims, car insurance, car insurance rate

Reader’s Question:

I know that having a teenage driver could have additional expenses on car insurance. How can we be able to find cheap car insurance for my teenage son here in Flagstaff, Arizona?

Norris

Flagstaff, AZ

Most auto insurance companies view teenage drivers as “risky,” so this would mean insuring them can be quite pricey than regular car insurance. Young males between the age of 16 and 21 years old are considered the worst drivers when it comes to having accidents. Still, there could be ways to get around these undesirable facts about insuring a teenage driver. There are simple ways in which you could be able to lessen the insurance rates of your teenage son.

First of all, in purchasing a car for your teenager, it doesn’t have to be expensive because auto insurance company thinks that they will pay more for the car if it gets involved in an accident. If the car is costly, it would be possible that the insurance rates will be higher for your teen. You may also look for high deductible auto insurance policy in Flagstaff, Arizona for your teenage son. This means that if your son gets into an accident, you would have to pay higher dollar amount but it would cost you less on your annual or monthly dues. Lastly, needless to say, you would have to shop around for a teen auto insurance policy. It would be very essential to get more than one quote and compare auto insurance policies.

Tags: car insurance, cheap auto insurance, teen car insurance