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Arizona Best and Most Affordable Insurance Rates

Low Arizona auto insurance rates from leading Arizona auto insurance companies.

Factors That Affect Your Arizona Car Insurance Rates

Auto insurance rates are different for everyone depending on a lot of different factors. In general, policyholders are put into different “risk pools” based on statistics for specific populations. A policyholder’s risk factor is determined by all sorts of data, including their gender, driving experience, stated reasons for driving the specified vehicle and more.

What are some of the major factors in determining an auto insurance rate in Arizona?

• Vehicle Classification;
• Age;
• Mileage driven / year;
• Marital status;
• Previous accidents and claims;
• Driving record; and
• Credit score;

One of the most important factors in determining an auto insurance premium is your car’s risk classification, based on its performance capability and retail cost. Cars with high market values cost insurers more to replace, so it also increases your insurance premium. Vehicle risk classification is also determined by statistics measuring the number of thefts, accidents and repairs per year for each car.

Age is another contributing factor to your insurance rate. Statistics show that drivers under the age of 25 cause the highest percentage of car accidents, while drivers between the ages of 50 and 65 cause the lowest percentage. Therefore, auto insurers charge higher premiums to younger drivers because that specific population costs the most insurer pay outs. Those between 50 and 65 are put in a lower risk pool because they statistically cause insurers to pay out less.

Policyholders who are married tend to have lower insurance rates. This is because marriage is often considered an indicator of financial stability and insurers believe they are more likely to reliably meet their payment obligations.

Some policies are determined based on the average distance that the car will be used on a normal day. The premium may also be affected by the annual mileage put on a vehicle and for what purpose. Usually, the mileage is provided by the insured person, but some insurance providers request this information before determining a policyholder’s risk.

You can compare Arizona auto insurance rates online. Get instant quotes from leading Arizona auto insurance companies.

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