By Greg Haehl
Arizona auto insurance is not cheap
Arizona ranked as the thirteenth most expensive state for auto
insurance during the years 1999 to 2003. With insurance
insurance premiums rising to $920.38 in the year 2003 that is
nearly a 5% increase from the previous year. If these trends
keep up the average for 2005 premiums paid will be about
With more than 3.3 million cars insured privately in Arizona
there is plenty of opportunity to shop around and try to
decrease what you are spending for car insurance. Even with
high risk drivers saving money on auto insurance is quite
Where do I start saving money on car insurance?
The first place to look to save money is with the deductible.
Many donít know that deductibles can vary with each form of
insurance coverage that is offered. You may have $250
deductible on comprehensive claims and a $500 deductible on
collision claims. Raising these deductibles can save money
month. Before increasing the deductibles compare what the
savings are per month with what you would pay in the case of
damage or an accident.
Many people do not change their insurance policy as their car
ages. The fact that your car depreciates so quickly can allow
you to save money on auto insurance. If your $30,000 car is
worth $5,000 then full collision coverage may not be that
beneficial considering that you would pay more to insure the
vehicle after a claim than you would to just pay any claim out
of pocket. Remember after a claim insurance rates are
and this makes many small claims cheaper to pay for rather
file a claim with an insurance company. Since these small
claims may be paid for out of pocket decreasing your coverage
can save a lot of money every month.
Please visit our recommended sources for insurance quotes.
About The Author: Our recommended Insurance Sites