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

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

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?  I have a DUI on my record

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 transportation rather than driving. This regulates their time in the vehicle and lowering the possibility of an accident.

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

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

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

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

How important is it to look around for the insurance of my car here in Phoenix, Arizona? Is the competition for car insurance really that tight around here?

Tevin

Phoenix, AZ

A lot of us may consider that having a car is a necessity and so is having the car insured. Owning an automobile has a responsibility attached to it so we are all expected to follow the laws to ensure safe and convenient travel. Regardless of what kind of driver you are, you would also know that the responsibility of being a motorist would leave you obliged to have car insurance and this is one thing that would add to your expenses.

However, just because it is required by law does not necessarily mean that your car insurance in Phoenix, Arizona would have to cost a great deal. A lot of car insurance is being privately managed so if you want to save on your car insurance, you could definitely do that. You just need to approach it with the proper perspective and with a certain preparation. Car insurance is highly competitive that’s why a lot of companies work hard to obtain the most customers. This is the primary reason why you would have to look around and find the appropriate car insurance provider with the best premium rates for you.

Tags: auto insurance, auto insurance rate

It’s nearing the end of my auto insurance coverage and I don’t know if I should find another insurance company or stick with what I have here in Coconino, Arizona. What advice can you give me that I should do when the time comes that I have to renew my policy?

Carmen

Coconino, AZ

If you are renewing your auto insurance policy in Coconino, Arizona, your first alternative is to not pay your renewal once it arrives. The auto insurance company would think that you will not take time to look for other auto insurance provider so your renewal quote is probably not competitive. In this case, you should shop around for the best deal available because you may save as much as 50% is you review policies from other insurance providers. It’s also not true that the smaller companied would give you the best rates, large companies could also be competitive.

Moreover, if you have an older car that doesn’t have too much value, collision coverage is may be a waste of your money so you can just go with the basic insurance. You must also inquire to your insurance agent about diminished value because your auto insurance provider could think that the value of your car is less than what you know it is. You must be sure to also inquire about the state’s legal statutes for diminished value.

Tags: auto insurance, auto insurance policy

We plan to travel a lot in the upcoming years and I am about to purchase an RV. What are the things that I would have to consider in getting an insurance for my RV here in North Pinal, Arizona?

Pablo

North Pinal, AZ

There are several things that you would have to consider in getting insurance for your RV in North Pinal, Arizona. The first thing is that you need to ask yourself is if you will live in the RV full time. If not, you have to consider how often you will use the RV. You also have to find out if the RV would become your primary residence and/or how many months in a year you plan to travel with your RV. For your other insurance needs, you also have to know if you need special coverage for expensive things.

You also have to consider the type of RV that you will own. A travel trailer would not need the same coverage as a huge luxury Class A RV. A tow trailer could be covered by the primary auto insurance policy. If you’re in doubt, you can certainly ask your auto insurance provider about it. In determining the type of insurance that you need, you have to find out the requirements of the state of Arizona. A lot of areas would have a minimum amount of auto insurance coverage required for RV owners. In this case, it would never hurt if you go beyond the minimum requirement especially if you opt to have passengers and valuables.

Tags: auto insurance, RV