If you do not already have the cheapest car insurance in Arizona then you need to shop around for some competitive rates. Even if you purchased your policy recently you can still switch to a new provider, and experts recommend that you consider look at your options yearly. In Arizona, your insurance premium can be based on your credit history and your previous claims. If you know what you're up against, you can purchase the cheapest auto insurance in AZ.
Based on popularity, Arizona residents buy the most policies from Allstate, Farmers, Nationwide, GEICO and Liberty Mutual. Given that rates for drivers here are 12% above the national average part of these reason that these companies are popular is that they offer discounts and rates that are more affordable. However, you will not know which will offer you the best rate until you perform a comparison.
Some people are under the impression that they are obligated to stay with their insurance provider for the term of the policy. While an Arizona insurance company is not allowed to cancel your policy without warranted reason, you have the option to switch carriers at any time and receive a prorated return of your premium.
Arizona law allows insurance companies to consider your credit history as a factor in determining your rate. They are also allowed to use Comprehensive Loss Underwriting Exchange (CLUE) reports to calculate your rate based on your risk history.
If you have great credit history and an excellent driving record with no significant claims, you should be able to find the cheapest coverage in Arizona. If your credit score is below average and / or you have some major or some multiple claims where you were at fault, you may need to shop around a little bit more. If you get a decent amount of quotes (at least five, but shoot for more) then you will know if you are getting the best deal for your situation.