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Arizona Car Insurance Discounts

For motorists in Arizona, car coverage is expensive. However, there are many discounts available to residents or Arizona that will help offset the cost of this federally mandated necessity. A motorist who feels that he or she is well informed about the discounts available to them will be surprised at the amount of ones that they may not know about. Education about the available Arizona car insurance discounts will be invaluable to you when it comes to helping you to save money on your monthly premiums. It will also allow you to save time when it comes to selecting an Arizona insurance company that will best suit your needs. Over time, the amount of money that you can save on your car coverage premiums in Arizona can add up to a substantial amount.

Discounts Available for Arizona Car Insurance

After you have obtained an Arizona auto car insurance quote, you can make a short list of the car coverage companies that you are interested in. Then you should contact each company individually to learn what discounts they offer to their customers. This will allow you to lower your rates even further. Here is a short overview of some of the more common discounts available from Arizona car insurance companies:

Defensive Driver Discount - This is an Arizona car insurance discount that is available to motorists who have undertaken and successfully graduated from a defensive driving course. The content of such a course is designed to teach motorists driving techniques that will allow you to avoid a potential collision. An Arizona auto insurance company tends to view favorably the fact that a motorist is educated about how to identify potentially hazardous situations that can occur on the highways and roads of Arizona. Usually, the defensive driving course must approved by the state's Department of Motor Vehicles in order for the discount to apply to your premiums for your car. You can contact your local DMV for a list of approved course providers.

Good Student Discount - This discount is aimed towards younger motorists in Arizona who are seeking to lower their Arizona automobile insurance premiums. In order to qualify, you must be under the age of twenty four and enrolled in either high school or college. It is also a requirement that you maintain exemplary grades. The specific requirements for this discount are going to vary among Arizona car insurance companies. However, generally a "B" average will suffice for this discount. By stressing the importance of maintaining good grades, you will also help to teach your child responsibility. 

Customer Loyalty Discount - This discount is ideal for motorists who have remained with their Arizona automobile insurance company for an extensive period of time. Again, because the particulars for this discount vary among car insurance companies, you must contact your provider for their specific qualifications. The amount of time that you must remain with a company to qualify for this discount can be between six months to two years. 

Safety Discount - This discount is an easy one to obtain for motorists who are looking to save money on their Arizona vehicle insurance. If you are not responsible in maintaining the appropriate forms of coverage on your financed car, your loan provider can add the necessary types of coverage to your vehicle in order to protect their collateral. The rates will then be added to your car payment each month. It is far more beneficial to you to take care of this yourself. Most drivers on the road today are responsible. However, if you are looking to purchase a new car, you may want to look for a car that has numerous safety features. The most common examples of safety features include airbags and antilock brakes. Items like car alarms, GPS navigation systems, and surround surveillance systems can also be included in the definition of safety features. In addition to ensuring your physical protection in an accident, these features can also ensure that you save money on your Arizona vehicle insurance. 

Good Driver Discount - This discount is fairly well known among the Arizona car insurance community. Your driving history is one of the more important factors that a car insurance company takes into consideration when they are determining your rates. The monetary amount that you can save on your premiums each month can be as high as 20% of the purchase price of your policy. In order to qualify for this discount, you must remain free and clear of all accidents and tickets for at least three years. While minor traffic infractions may not add points to your driver's license, you could potentially lose your Arizona car insurance discounts because of them. Therefore it is important to maintain cautious behavior at all times on the road. 

Accident Forgiveness - This is not a discount in the traditional sense. However, it can still be highly valuable to motorists. If you have an accident, in which you are not at fault, your provider will "forgive" you for it. Essentially, this means that it will not count against you, and it will not affect your premiums. Accident forgiveness can allow you to keep your good driver discount with your Arizona car insurance company. 

Low Annual Mileage Discount - If you maintain a low annual mileage count (typically under 10,000 miles a year) you can qualify for this discount. Many motorists are not aware that such an advantage exists. This discount can be highly advantageous for those who live in a larger city and who frequently take advantage of public transportation. From an Arizona provider's point of view, the less amount of time you spend on the road will result in greatly reduced chances that you will be involved in a car accident. 

Payment Method Discount - Each Arizona car insurance company maintains different policies about the fees that they charge their customers concerning their payment methods. Two thirds of motorists cannot afford to pay the cost of their car insurance policy upfront. Therefore, they most commonly choose a monthly installment plan to pay the cost of the insurance policy. There are many insurance companies who charge a monthly convenience fee for allowing you to do this. You may avoid having to pay this fee if you can set your payments up to be drawn from your bank account each month.

Additional Considerations for Auto Coverage in Arizona

The car insurance requirements in the state may not be sufficient in their ability to cover all of the expenses that you could incur in an accident. If this were to happen to be the case, you will become legally responsible to pay the remainder of the balances owed. You should take a thorough inventory of all of your assets to make certain that you purchase adequate coverage amounts. If you need assistance, do not hesitate to contact an insurance agent to help you. Arizona coverage can be purchased in twelve month blocks. By doing this, you can guarantee that you will pay the same low rate all year for your auto insurance. After initially comparing the prices of companies from your quotes, you should contact each company individually to see how their offered discounts can further lower your rates.

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