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Everybody wants to save money on their Arizona Auto Insurance! I've never met anyone that wants to pay more for their insurance, but people do every day. This post is all about helping YOU, the insurance consumer, take the 5 Crucial Steps to Lower Your Arizona Auto Insurance Bill in the next Year and for years to come. 

My goal is to be THE Premier, Independent Insurance Agent and Agency in Arizona and across the Southwest. To accomplish this goal, I need to help as many people as possible out there. These Steps can help anyone who wants to lower their Arizona Auto Insurance Bill in the next year. Share this post with your friends, help them save on their Arizona Auto Insurance this year and for the years to come.

Here Goes:

  1. Improve Your Credit - Your credit score impacts your auto insurance bill like nothing else. Virtually every insurance company operating in Arizona will use credit to establish the premium. When you improve your credit it's like getting long term savings on your insurance. The savings goes on and on! If you know your credit isn't the greatest, start working with a reputable credit repair company. If you're in Arizona, you should give Parker Consulting Services a call to review your credit situation. He and his team can help you get your credit score moving in the right direction. 
  2. Increase Your Deductible to $1,000 - Most people can experience substantial savings over time by selecting a higher deductible. I recommend $1,000. Now, if you don't have that money sitting in the bank then select a deductible that you can afford now (you will pay more for a lower deductible) then start saving the money in a separate account so that within the year you have $1,000 saved. The moment you have it, call your insurance agent to increase your deductible. You'll get instant savings that you can immediately put right back into your pocket.
  3. Increase Your Liability to 100/300 - This seems counterintuitive to saving on your auto insurance, but the fact is many insurance companies give reduced pricing when you switch to them and you have at least 100/300 for your auto liability. Many times I've helped clients save and improve their coverage with this one technique. Too many people are underinsured anyway so use this technique to improve your situation and save on your insurance for the long term.
  4. Bundle Your Policies - I've written about this before (read it here). Generally, bundling your policies gets you the biggest savings and the savings continues year after year. Sometimes, it's not possible because of other factors like driving record issues, but we try real hard to maximize the savings bundling can get you. There are other benefits to bundling such as only paying One Deductible if a claim affects both your home and car(s).
  5. Work with an Independent Insurance Agent - The fact is, insurance rates will rise over time. Even if you do the four items in this list, you're still likely to see your rates rise over time. That's the way our economy works. However, working with an independent insurance agent like me, will allow you to continue your savings year to year. You see, we'll monitor your policies, reviewing your rates, if we see larger than normal increases then we'll shop your policies to find another great policy at the lowest possible rates. That's what Independent Insurance Agents do!

Follow these steps and in 365 days or less you too can be experiencing lower Arizona Auto Insurance bills. Start with a call to my agency and we'll get you started.

Author Richard Morris

Richard Morris, an independent insurance agent in Gilbert, Arizona and Chandler, Arizona, has been serving and helping Arizona families and businesses with all their insurance needs for over 24 years. Visit his website at to see all the ways he can help you with your insurance needs or call the office at (480) 336-2707 or toll free at (888) 907-9349. Connect with Rich on Google+ and Twitter.

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