Home and Auto Insurance

6 Tips for Lower Home and Auto Insurance Rates in Arizona

You Could Save Thousands on Home and Auto Insurance!

 

A while back, a gentleman I had known for years unexpectedly showed up at my office. He dropped a copy of his insurance policy on my desk and asked if there was anything I could do to help him save money on his home and auto insurance.

He lives not too far from me in Mesa Arizona. I told him I would do my best and worked up a quote for him. He had 4 cars and his nice home on his insurance policy. After reviewing all of his coverage I determined that he was fairly well insured but the premium did seem to be high. He told me he had not shopped his insurance in several years and just figured he was getting a good price. I worked up a quote for him with the same coverage he had and to his amazement, my quote for his insurance was $3500 a year less. He couldn’t believe it. He said to me, “why didn’t I contact you years ago.”

 

We Can Help You!

 

This story happens time and time again, and usually, the result is the same: “why didn’t I contact you years ago.” I enjoy solving problems and helping people save money. A few months later I bumped into this same man at lunch and when I asked him how things were going he said, “great, I’m taking home almost an extra $300 a month from the money you saved me on my insurance.”

Sometimes we don’t notice what we are spending on insurance because we are programmed to pay it every month and often the auto insurance is deducted from our checking account and the home insurance is paid by our mortgage carrier from escrow so we don’t realize we are over-paying.

We are here to help you save money on your home and auto insurance Arizonans. We have dozens of top-rated carriers that want to bid on and earn your business with better coverage and lower rates. Call us at 480-981-6338 or visit us online by clicking here. We look forward to working with you.

Are you wondering what you can do to lower your insurance rate for home and auto insurance?  There is no magic bullet that is going to solve everything but hopefully, these few pointers will help.

Tips to Save on Home and Auto Insurance

 

1.  Drive Safely:

Tickets and accidents can really impact your insurance rate.  Most stay on your record for three (3) to five (5) years.  Not only are you likely to get a surcharge, but you also miss out on claims-free discounts which together can add up to over 25% savings.

 

2. Check Teenage Driver Discounts:

If you have a teenage driver on your policy, ask your agent about programs offered through the insurance carrier that might lower the rate.  Of course, there is always a good student discount for those earning a B+ or better GPA, but some companies offer even deeper discounts if your child does certain training programs.  Ask us if your agent isn’t familiar with these programs.

 

3.  Keep Your Credit Score Up:

almost all insurance carriers factor credit into your insurance rate.  If your credit isn’t so great, call us, because we know a few things that can be done to help you lower your rate if your credit isn’t so great.

 

4. Security System Discount:

If you have an alarm system on your home or vehicle, make sure your agent knows about it and that he/she is giving you the discount you qualify for.

 

5.  Use a Broker:

Use a broker like Insurance Professionals of Arizona to shop your insurance every couple of years.  A broker can find you the best rate out there among all the carriers they work with.

 

6.  Consider the Size and Quality of Your Property:

When purchasing a car, understand that different cars are going to cost more.  A larger vehicle may cost more for liability because of its size, and a luxury car may cost more for comprehensive and collision coverage because of the cost to replace or repair it.

For more information call us at 480-981-6338 or visit us online by clicking here.  Watch a video about our services by clicking here.

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