Lowest Car Insurance Rates Phoenix – Auto Insurance Quotes in Phoenix

Lowest Car Insurance Rates Phoenix – Auto Insurance Quotes in Phoenix

Get the Lowest Car Insurance Quotes in Phoenix!

Due to the lower population density in Phoenix and Arizona, lack of snow and ice in winter, auto insurance rates are lower than in cities such as Boston, New York, Chicago, Seattle, Denver, Salt Lake City, and Minneapolis. But before you accept whatever offer you’re getting from your insurance company in Phoenix, conduct a good search online. The stats show that searching can save you a lot of money, particularly if you’re driving a particular hard to insure vehicle.

Whether you live in Glendale, Tempe, Mesa, Scottsdale, Chandler or Gilbert, take your time to shop for auto insurance.   Yes, the big insurance companies are enjoying billion dollar profit years, yet they have to be competitive if shoppers enforce competition by doing what they do best — shop for the best auto insurance rates.


Photo Courtesy of Caranddrivercom – New Car Reviews

You’ll only find the lowest car insurance rates online where advertisers compete for your business. Competition is only certain way to ensure insurance companies such as Geico, Progressive, Allstate, or State Farm will offer you those low premiums you’re seeking. And let’s face it, car and truck insurance buyers want to save money more than they’re seeking some special benefits from their insurance.  However, it is wise to save on insurance and you might look for usage based car insurance policies as one way of doing that.

Online Insurance Searching


Don’t give all your money to the big insurance companies. That’s not good for the economy. Vary how you search so you don’t get railroaded by online marketing strategies.  Believe me, I know how they can funnel you into paying more by getting you hypnotized by a key problem you’re obsessed with, such your age, zip code, or something else that distracts you from searching for what you want — low auto insurance rates.

From most insurance providers in Phoenix car insurance is a commodity so don’t pay more than you have to.

Google search should always be the starting point of any product or service search.  For auto insurance, homes for sale, finding a realtor, finding a mortgage agent, car loan, or home reno contractors in Phoenix or Los Angeles, Google should be bookmarked.  Through Google and the advertisements on this post, you’ll find a number of insurance companies and brokers. The more you check out, the bigger your savings.

Searching for Car Insurance Quotes

Insurance rate quotes vary by zip code, age, gender, type of vehicle, and driving records of course.  Read my previous post about how vehicle choice affects auto insurance rates.

My Car Insurance Quote

This car insurance quote comparison chart below is a perfect example of the range of premiums and yearly costs.  There’s a big difference. And see the differences in yearly auto policy rates across the US.

car insurance quote

Rate Comparison Chart courtesy of Insurance Hotline

Why does it pay to Shop Around for Insurance Coverage?

If your current auto insurance company in Phoenix isn’t going to lower your rates (why would they?) or keep you up do date on savings then you’ve got all the warning you need that you’re not getting the best rates.   You have the ultimate power as a consumer to shop as long you can for the best auto and truck insurance rates. This way, you’re not prisoner of the big insurance companies such as Nationwide, Geico, Farmer’s, Allstate, State Farm and Professive Insurance. Their huge ad budgets surely show they can’t go cheap on auto insurance coverage. They need the maximum amount from drivers.

Here’s why you need to drop your current Phoenix car insurance company:

  1. your current insurance provider keeps raising your rates and you’ve done nothing wrong
  2. some auto insurance companies actually use FICO insurance credit scores to raise your premiums even though your credit score has nothing to do with your driving record or risk
  3. uninsured or young drivers living in your home – they feel their presence and possibility of driving your car or truck is a big liability
  4. your type of vehicle may be deemed more risk to them (ISO’s Vehicle Series Rating) because it’s more expensive to repair in your area
  5. your zip code is considered more high risk by many insurers even though you live on the edge of the zip code
  6. they assess the risk of your specific moving violations and total violations differently
  7. some insurance underwriters believe that you’re male so you’re guilty before you put the key in the ignition
  8. your insurance company may not lower your rates even though you’re now 10 to 15 years older and deserve a better rate because of your lower risk and better driving record
  9. you may have forgotten to tell them that your situation has changed, your commute has shortened, and children have left home

Phoenix Auto Insurance Agents

Access Auto Agency
4815 N 27th Ave,
Phoenix, AZ 85017, USA

Oasis Insurance Agency
Central Place Shopping Center,
7227 S Central Ave #1095,
Phoenix, AZ 85042, USA

AALL Insurance Insurance Agency
5830 W Thomas Rd,
Phoenix, AZ 85031, USA

Shop around for the cheapest car insurance rates online.  Rates vary in Los Angeles, Phoenix, Denver, Seattle, Chicago, Boston, New York, Dallas, Houston, San Antonio, Austin, St Louis, Minneapolis, Green Bay, Charlotte, Tampa, Miami, Orlando, Tempe, Scotsdale, Tempe, Mesa, Anaheim, Beverly Hills, Malibu, San Diego, San Francisco, San Jose, Fresno, Santa Clara, Sacramento, Mountainview, Palo Alto, Portland, Washington, Atlanta, Irvine, Nashville, Sunnyvale, Salt Lake City, Riverside, Rancho Cucamonga, Costa Mesa, Thousand Oaks, Simi Valley, Raleigh, Albuquerque, Glendale, Oceanside, Long Beach, Huntington Beach, Carlsbad, Santa Clarita,  Henderson, Mesa, Temecula, Kirkland, Redmond, Kansas City, St Louis, Stockton, Scottsdale, Palm Springs, Indianapolis, Columbus, Colorado Springs, Fort Worth, Chula Vista, Escondido, Santa Monica, Miami Beach, and Honolulu.

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