Which Company Has the Lowest Cost of Car Insurance in Glendale?

Glendale, AZ is a medium sized city in Maricopa County and a part of the greater Phoenix area. The city’s population was reported as just under 250,000, with 111,000 employees and growing. The bustling city is home to the large Glendale Community College and two other, smaller schools. Their growth and educational foundation help support a median income of $52,000 and median property values of around $200,000. Given that the median age is under 35, the city is bound to continue its upward trajectory in terms of population and economic growth.

This growth has its consequences, however. For instance, the average commute Is 26 minutes. Since the average Glendale household has two cars and likely 2 workers, this commute time translates into roughly 8.7 hours per week driving to and from work. When errands and leisure driving are accounted for, a single home might log as many as 15 hours per week in transit. Though there are certainly cities with much longer commute times, Glendale citizens who cannot telecommute are sure to see their drive time increase along with their economic growth. Such increases will also bring higher insurance premiums.

Another factor in insurance rates is the car theft rate. Unfortunately, the greater Phoenix area lands in the top 100 worst metropolitan areas for auto theft. The area ranks at #98, with over 13,000 thefts in 2018 and a theft rate of 277. Because of this, drivers are cautioned against liability-only policies which will not cover any damage resulting from theft.

Which Company Has the Lowest Cost of Car Insurance in Glendale?

How Much Auto Insurance Coverage is Needed for Glendale Drivers?

Arizona drivers face similar insurance requirements as those in other states. That is, every driver and their vehicle must be covered to meet a set minimum for damages done to other drivers. Thus, they need at least a liability policy that will cover other drivers, individuals, or property in the event that they are deemed at-fault in an accident. Those policies must cover bodily damage up to $25,000 for injuries to a single person or $50,000 per accident, in case of multiple injuries. Property damage should be covered by at least $15,000.

Keep in mind that carrying such a minimal policy can leave a driver open to significant risk. If their car is damaged in some non-vehicular accident such as a weather event, or if their vehicle is the victim of a hit-and-run, they will have to cover damages out of pocket. Further, when drivers are the victim of an accident, they may wait for as long as a few weeks for the at-fault motorist’s insurance company to settle the claim. Drivers with collision or comprehensive policies can begin repairing their damages immediately and then the companies can settle the finances between themselves.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Glendale by Insurer

While every motorist should try to save themselves money on automobile insurance premiums, the up-front savings may not pay off in the long run. When evaluating the least expensive automobile premiums, take in to account each company’s reputation for customer service. It may also be valuable to see what other sorts of coverage can be bundled with an automobile policy. Homeowners may be able to include their home insurance, and others may include life insurance with their auto policy. Review the following options but also consider other insurance needs.

Learn how to find cheap car insurance near you.

Low Cost Auto Insurance for Bad Credit in Glendale

Every state’s insurance laws are somewhat different, but most allow companies to set higher rates for drivers with poor credit. However, Arizona drivers are particularly hard-hit when their credit scores come up lacking. A debt-challenged driver in Glendale, AZ can pay as much as $1,900 more than a driver with excellent credit. Even poor drivers with great credit ratings pay as much as $1,000 less than good drivers with poor credit.

Learn about how your credit score can negatively impact your insurance rates.

Full Coverage Vs. Liability Coverage

What is Liability Only Insurance Coverage?

Liability insurance covers the possible cost of damage you cause to others while driving. This could mean the cost of medical care for those injured in an accident or repair costs of the damage you have caused to other vehicles.

With liability insurance, there are 3 key numbers: injury coverage per person, coverage for total injury per accident, and property damage coverage per accident. Each state has different requirements for car insurance minimums. In a policy that has coverage for 15/30/25 means $15,000 per injured person, with a maximum of $30,000 for all the people who are injured in an accident, and $25,000 in coverage for property damage.

What is Full Coverage?

While liability insurance covers other people and vehicles in an accident where you were the one considered at fault, full coverage insurance can also cover you and your vehicle as well. Full coverage includes two different types of coverage combined into one insurance plan; comprehensive insurance and collision.

Comprehensive coverage is for the damage of other vehicles that are outside of driving situations such as weather damage, fire, or theft.

Collision coverage is basically to pay for damage that you caused while driving such as an accident with another vehicle, hitting an object, or driving off the road.

The difference between collision and comprehensive is, if a tree were to fall on your car and damage it, comprehensive insurance would cover it, however, if you were driving and hit a tree causing damage to your car, then it would be covered by collision.

What are the Major Differences Between Full Coverage and Liability?

Liability coverage kicks in when you back up and hit a kid on a skateboard you did not see. It will also pay for a gate you run into and damage.

Collision insurance pays out when you back into a large rock at a campground, denting your pickup’s tailgate. It will pay to get the tailgate repaired.

Comprehensive coverage will pay for the repair costs when something flies out of the back of a semi-truck and you end up with a cracked windshield.

Average Annual Car Insurance Rates in Arizona by City

Additional cities in Arizona you can check out.


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Take Advantage of These Car Insurance Discounts

The following auto insurance discounts can be used to help lower your premiums in Glendale:

  • Avoid Accidents

    Each time you are at fault in an accident, your insurance company must pay out to cover your liability. Thus, your rates are definitely going to rise any time you cause an accident. The longer you are able to maintain a driving record clean of accidents, the more favorable your policy will be in the eyes of insurance companies.

  • Don’t Speed

    Insurance rates are set relative to the risk you pose as a driver. Since speeding is positively linked to accidents, and thus to insurance claims, your tickets will also result in higher insurance rates.

  • Shop Around

    Insurance is like any other business and so some will charge lower rates in order to gain more customers. Before you purchase a policy from the last company you saw on television, do some homework and determine which policy is the best for you, even if it’s not the least expensive.

  • Comprehensive Insurance Packages

    Typically, insurance companies insure multiple asset types. They write policies for homes, boats, renters, and they can also cover your health. If you package your automobile insurance with your home, boat, and health insurance, you will likely pay a bit less for your car insurance.

  • Multiple Vehicles

    If you have more than one car, combine them on the same policy. The more cars you add, the lower your rates will be on a per-car basis.

Learn more about driver discounts for car insurance rates here.

What are the Factors that Affect Your Auto Insurance Premiums?

Your car insurance rates can change over time. One of the most reliable factors that will impact your premiums is your age. The older you are, the lower your insurance premiums should be. You may also find your rates vary depending on the car you drive. Sports cars or jeeps may incur higher premiums, while SUVs and sedans are cheaper to insure.

Rates are also impacted by your gender and age, though young women will have lower rates than their same-aged male friends. Actuarial tables show that young drivers are more prone to speeding, alcohol infractions, and accidents than older people, as are young males rather than females.

You can also reduce your regular premium payments by opting for a higher deductible on your collision and comprehensive coverage packages. You can also opt to pay your premium in a larger, single payment every six months rather than spreading the premium out over monthly payments.

Use this guide to compare top insurance company rates if you have a bad driving record.

Helpful Glendale, Arizona Vehicle Resources:

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