About Auto Insurance:
What Determines Your Rate. There are several
factors that are considered to calculate an Auto Insurance rate. The
areas that effect your rate the most are:
- This is a major factor. Most companies will put you into groups
that change when you turn: 18, 21, 25 & 30. Your rates almost always
lower each time you enter a new age category.
Status - Being legally married at 21 can often place you in the same category as
a single person at age 30. Your marital status makes a significant difference
in your rate.
- Different parts of town have different risks and types of traffic. Most
companies have 2 or 3 different rates depending on what part of town you
Record - Tickets are usually looked at for 3 years, after the 3 years most
companies don't consider them. If you go to school on a traffic
violation, most of these violations never make it to your driving record.
Credit Score - Some companies use
credit scoring to determine your rate. With these companies, good
credit scores usually lower your rate considerably while poor credit scores
don't necessarily raise your rate, they are just not eligible for the lower
Higher limits of liability. The minimum limits of
liability currently required by the State of Arizona are "15/30 10".
These numbers represent the maximum amount (in thousands) of dollars that
your insurance policy will pay.
number (15) represents the maximum amount of coverage payable to any one
person for bodily injury to others.
number (30) represents the maximum amount of coverage payable per
accident with all people combined for bodily
injury to others.
number (10) represents the maximum amount of coverage per accident for
property damage caused to others.
may not be enough to cover all the injuries or damages that you cause in an
accident. You can usually double the amount of coverage for just a few
dollars more per month. Compare rates with different limits of
All About SR-22's
In Arizona, an SR-22 is obtained by purchasing
a policy that contains at least the state minimum limits for liability.
A policy with an SR22 is exactly the same as one without, the difference is
that once an Insurance Company has issued an SR-22, it is required to
immediately notify the Motor Vehicle Department (MVD) whenever that policy
cancels or that vehicle has been removed. This is a way for the MVD to
"keep tabs" on whether or not someone has insurance. The MVD usually
requires you to keep an
proving you have insurance for a period of 3
years. After that, you may not have to prove it but you still are
required by law to have insurance.
What are the
Causes. The two most common reasons the MVD will require an SR-22
are: you or your vehicle have tickets for no insurance or you had a major
violation such as DWI, reckless driving, uninsured accident or you are
reinstating a suspended license.
What are the
When a vehicle has excessive "no-insurance" tickets, the SR-22 is
usually required for your
registration and your registration will be suspended if you don't get
and keep an SR-22. If you have major violations, the SR-22 is
for your license and your license will be suspended if you don't get
and keep an SR-22. It is important to know about these requirements
ahead of time since a lapse in coverage may result in a suspension from DMV
and usually require additional fees to reinstate.
The state may require you to get an SR-22 to get your license
reinstated. If you don't own a vehicle, you will have to purchase a
non-owners policy in order to obtain an SR22. This type of policy will
cover you on any vehicle that you drive but you do not own. This type
of policy can be about 20% higher or 20% lower than a regular liability policy,
depending on the company.
are free with most policies
Discounts are a very
important part of getting the best possible price for your coverage.
Different companies offer different types and different degrees of
discounts. Some of the most common discounts are:
Safe Driver or Clean
Driver - 5% to 20%. The usual requirement is ticket free and
licensed for 3 years. A few companies will overlook 1 minor violation
and still give you the discount.
Multi Vehicle - 10%
to 25%. The only requirement is more than one vehicle on the policy.
Because of the huge discount, sometimes a policy with 2 vehicles actually
costs less than a policy with one...
Transfer Discount -
5% to 18%. The usual requirement is to show you as a driver on a
previous 6 month policy that hasn't lapsed. Some companies will allow
a lapse in coverage up to a week and others will even go up to 30 days.
You may receive more of a discount for a year's worth of previous coverage.
Paid in Full - 5% to
20%. Simply pay the policy in full. In addition to this
discount, you will save monthly installment fees. This can be
considerable. Unfortunately, only a few companies offer this.
Renewal Discount -
3% to 20%. The requirement is to renew your policy on time. Some
companies offer the discount every six months up to a maximum amount.
Others offer the discount every year.
Credit Score - 5% to
50% difference. A great credit score will make you eligible for a
better rate with many companies. Credit has been considered on of the
most valuable pieces of information to determine the likelihood of a loss.
If your score is good, your rate is good.
EFT - 2% to 10%.
If you allow the company to automatically sweep your bank account
(Electronic Funds Transfer) for the monthly payment, you can sometimes
receive a small discount. Other companies may not offer the discount
but will require a smaller down payment or waive the monthly billing fees.
Homeowners - 5% to
10%. If you own a home, most companies will offer a discount.
The only requirement is the home must be in your name. There are
additional discounts if you put your home policy together with your auto
Combined Policy - 5%
to 15%. Some companies will discount your auto if they have the home
or vice versa. It is definitely worth the time to compare rates
because you can save on both policies!
companies have found a direct relationship between a person's credit score
and the likelihood of an insurance claim. Because of this information,
about half of the Insurance Companies in Arizona use your credit score to
help determine the type of risk and the rate they will charge.
When using our online rater, the system uses a default
"good" credit score.
At AALL Insurance Group we recognize the need to offer
both types of products (credit and non-credit) to better serve all our
Monthly. Make monthly installments online, over the phone or in
any of our 20+ locations.
Full. If a policy is paid in full, you can save up to 15%
This could be a considerable savings.
Electronic Funds Transfers are both convenient and wise.
If you allow your Insurance Company to automatically sweep
your bank account (Electronic Funds Transfer) for the monthly payment,
can save up to 10%.
Credit Card or Check by Phone.
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Do you have questions like "why am I required
to have an SR22?, how long do I need to keep an Sr-22?, what is the
difference between SR22 insurance and regular insurance?. If so, please read
more about Arizona State Requirement SR22 here.
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