Key Points
• Noblr and Root Insurance have the cheapest car insurance in Payson according to our sources.
• Citywide Insurance on W. Van Buran St provides some of the best service in Payson according to Yelp and Google
Best Car Insurance Brokers and Agencies in Payson
We compared Yelp and Google to find cheap car insurance in Payson. According to their reviews, we think they’ll be able to find the best price and offer the best service
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|---|---|---|
| Citywide Insurance | 5 / 5 | 4.5 / 5 |
| Beeline Insurance Group | 5 / 5 | 4.3 / 5 |
| Crabdree and Shepherd Insurance | 5 / 5 | 4.2 / 5 |
Exploring Cheap Car Insurance Payson: A Personal Guide
Finding affordable car insurance in Arizona can be a daunting task. After extensive research, I've compiled insights from NerdWallet, MoneyGeek, and MarketWatch to help you navigate your options.
Overview of Car Insurance in Payson
Importance of Car Insurance in Payson
Car insurance is mandatory in Arizona, providing financial protection in case of accidents. According to MarketWatch, the minimum liability coverage is $460 per year and $149 per accident for bodily injury.
Factors Affecting Car Insurance Rates
Several factors influence car insurance rates in Arizona, including your age, driving history, credit score, and the type of vehicle you drive. NerdWallet emphasizes that younger drivers and those with poor credit scores often face higher premiums.
Cheap Car Insurance Payson: A Guide To Lowering Your Costs
Top Providers of Cheap Car Insurance in Payson
NerdWallet highlights Noblr as the cheapest option, with average rates as low as $659 per year for good drivers. They also mention QBE and Geico as affordable choices, with rates around $1,187 and $1,251 per year respectively.
MoneyGeek lists Root Insurance as the most affordable for military families, averaging $722 per year. For non-military individuals, they recommend Mercury and Country Financial, with annual premiums of $397 and $464, respectively.
MarketWatch also recommends Geico and Auto-Owners but adds Travelers to the list, particularly for those who qualify for various discounts. They note that Travelers' average rate is around $1,441 per year.
Comparing Insurance Rates
Comparing rates from all three sources, Noblr the most affordable, followed by USAA (for those eligible), and then Geico. Mercury and Root Insurance offer competitive rates, especially when discounts are applied.
NerdWallet breaks down costs by driver profile, showing that young drivers might pay around $436 annually with Noblr, while experienced drivers with clean records might pay closer to $635. MoneyGeek's analysis supports this, emphasizing that maintaining a good credit score can significantly reduce premiums.
Tips for Finding Affordable Car Insurance
Discounts and Bundles
Look for discounts offered by insurers. MarketWatch suggests bundling auto and home insurance for savings. Geico and State Farm provide discounts for good driving, multiple vehicles, and even for being a good student. Customizing your policy can also save money. NerdWallet advises considering higher deductibles to lower premiums. MoneyGeek mentions that reducing coverage on older vehicles can also be a cost-saving strategy.
A clean driving record and a good credit score are crucial. According to NerdWallet, a speeding ticket can increase rates by 20%, and a poor credit score can double your premium. Thus, maintaining a good record and improving your credit can help you secure lower rates.
Additional Resources
Contact Information for Top Providers
- Geico: www.geico.com, (800) 207-7847
- State Farm: www.statefarm.com, (800) 782-8332
- USAA: www.usaa.com, (800) 531-8722
- Nationwide: www.nationwide.com, (877) 669-6877
- Progressive: www.progressive.com, (888) 671-4405
State Insurance Regulations
Understanding Arizona's insurance requirements is essential. MarketWatch highlights that the Arizona Department of Insurance (www.azinsurance.gov) is a valuable resource for state-specific insurance regulations and consumer protection information.
Conclusion
Finding cheap car insurance in Arizona requires research and comparison. Geico, USAA, and State Farm stand out as top choices, but exploring discounts and customizing your policy can further reduce costs. By maintaining a good driving record and credit score, you can ensure you're getting the best rates possible.
How We Rank and Researched
To compile the information for this article we used a team of researchers to assess results based on Yelp and Google and ranked based on the highest ratings and popular local establishments. We also used search engine results to pull and consolidate multiple reviews to ensure we provide an unbiased opinion based on multiple sources