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 totaled 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.
Reader’s Question:
My car has undergone extensive customization, paid a great deal of money for it, and I’m wondering how this will affect the car insurance I have it under here in Arizona.
Dante
Phoenix, AZ
Whether or not extensively customized vehicles will still have the same level of auto insurance coverage or if the insurance premiums will stay the same is highly dependent on who you got your car insurance from. Generally speaking, most car insurance providers will raise their rates to compensate for the additional risks perceived coming from a customized vehicle. Here’s some of the reasons why you may find yourself having to pay more for your customized vehicle there in Arizona:
Increased Likelihood of Theft
Customized vehicles are seen as being a more attractive target from car thieves and vandalism. In the insurance company’s perspective this increases your likelihood of filing an insurance claim in the future hence, costing them more to maintain the coverage and therefore, increasing your insurance premiums.
Increased Value of your Vehicle
It is possible that your rates could also be re-evaluated to reflect the added actual value of your vehicle due to expensive upgrades and installations that you would naturally also want to insure (seeing as you paid good money for them). The higher the vehicle’s worth becomes, the more a car insurance company will have to pay you in the event of a loss. Again, the higher risk of insuring you which is reflected on higher auto insurance rates.
A different scenario could occur where if your customizations are to increase the safety and security of your vehicle, then you can actually expect to get discounts from your auto insurance company.
Tags: auto insurance, auto warranty, car insurance company, car insurance quotes
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:
My teenager is just so excited to drive the family car since she just got her driver’s license here in Arizona. Would this mean that our auto insurance rates will go high as well?
Howard
Phoenix, AZ
You know how it is a joy to see kids growing up. It seemed like not so long ago they could barely even walk, now they could barely even wait to get behind the wheel. Along with this comes the reality that as good you were at maintaining a good driving history, adding teenage drivers to your auto insurance policy would inevitably cause your insurance premiums to go high. However, It will be to you or your daughter, or who ever pays the bills, advantage to add your daughter under your existing automobile insurance since you will almost always get additional discount from your insurance provider. Getting your daughter her own insurance policy would likely be very expensive since she has not yet established any driving history of her own.
There are ways on how you can minimize your insurance costs until your daughter is old enough to get her own car and her own policy. You and your daughter can enroll in state accredited defensive driving classes there in Arizona. This will qualify you for some additional discount towards your insurance rates for becoming safer drivers. If your daughter is doing well in school, academically, you may also want to ask your provider if they provide good student discounts. But the best thing you can do is to teach your daughter to become a safe and responsible driver.
Tags: auto insurance, car insurance, student car insurance, teen insurance
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?
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.
Reader’s Question:
Do you have any good shopping tips in looking for the best car insurance company for my brand-new car here in Arizona? Thanks!
Almarie
Chandler, AZ
Hi Almarie. Done right, shopping and finding the best car insurance provider can be a rewarding experience as long as you know how and where to look. Also take note that the cheapest rates or the insurance provided by the biggest car insurance company may not necessarily be the best. Here are some tips and ideas on how to snag the car insurance deal that best fits your needs for your vehicle in Arizona:
1. Understand the minimum liability insurance coverage amounts required by your state. For Arizona its 15/30/10.That means $15,000 for liability coverage for injuries you may have caused to a person per accident, $30,000 for all people involved per accident and $10,000 for damage to properties. Knowing what you need to get helps determine the right insurance plan.
2. Get multiple price quotes. It’s best to have a good point of comparison in insurance pricing. The internet is also a great medium to shop for insurance and to narrow down your options.
3. Do your assignment towards the insurance companies your interested in. Googling up consumer testimonials should be a good way of giving you an idea of who you will be dealing with.
4. Check your driving record before you ask for a quote directly. You don’t want errors or violation records that should have been cleared cause problems and inflate your insurance quotes.
5. Ask around. Talk to your family members, relative, co-workers, friends and neighbors and get their recommendations.
Tags: auto insurance, car insurance discounts, car insurance quotes, cheap auto insurance
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:
Will it be possible to get my own car insurance even if I only have a learner’s permit here in Phoenix?
Jules
Phoenix, AZ
That depends whether or not the specific auto insurance carrier you will be availing insurance from allows you to. A majority probably won’t allow you to get insurance on your own without a proper license. The reason for this is that most new drivers get involved in car accidents, or incur more traffic violations, in a much more significant rate as compared to more experienced drivers. In some states such as New York for example, the law prohibits non-drivers license owners to get car insurance. Truth be told, may prove to be difficult for you to find an auto insurance provider there in Phoenix, Arizona who is willing to sell you insurance with just your learner’s permit.
There are car insurance carriers out there that allows you to get car insurance as long as you can present a valid drivers license within 30 or 45 days. Generally, it would be much more convenient for you to be added as a named driver under someone else’s auto insurance policy, like your spouse or parents, until you are granted your own drivers license. This also avoids you having to pay very high auto insurance premiums as compared to being under someone else’s coverage. Please note that these are just generalities and that your situation is really a case-to-case basis and greatly depends on the car insurance provider you choose.
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
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