How Can I Lower My Car Insurance in Green Valley, AZ?
The average cost of car insurance in Green Valley, AZ, is $1,324. This cost is lower than nearby locations like Tubac, Amado, Sahuarita, and Arivaca Junction but higher than in locations like Summit. Car owners in Green Valley, AZ, can lower the cost of car insurance by considering factors like deductibles, age of the driver, DUI, and credit scores. Below is Zimlon’s analysis of factors that can help car owners in Green Valley, AZ, to lower costs of car insurance.
Paying a higher deductible will help car owners to make car insurance less expensive in Green Valley, AZ. However, these deductibles can vary depending upon the make and model of the car. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. Zimlon’s research found that in Green Valley, AZ, the yearly premium on a deductible of $500 is $1,976, and it decreases to $1,669 when the deductible is $1,000.
Age of the Driver:
According to Zimlon’s research, teenagers in Green Valley, AZ, have to pay much higher car insurance rates compared to middle-age or elder drivers. This is mainly because insurance companies consider teenagers as less responsible drivers. The average cost of car insurance for a teenager in Green Valley, AZ, is $4,296, whereas, for a 20-years-old driver, car insurance cost is $1,701. For drivers between the age of 40 to 60 years, the cost of car insurance in Green Valley, AZ, is less than $1300. Teenagers and young drivers in Green Valley, AZ, can lower the cost of car insurance by opting for various discounts given to students or by completing specific safety driving courses.
Driving Under Influence (DUI):
Driving Under Influence (DUI) can increase the cost of car insurance drastically in Green Valley, AZ. Zimlon’s research found that the average car insurance cost of $1,324 in Green Valley, AZ, increases to $2,625 post-DUI. Car owners in Green Valley, AZ, can lower the cost of car insurance by avoiding driving under influence.
Driving violations is another crucial factor that affects the cost of car insurance in Green Valley, AZ. Violations such as driving with an expired license or speeding can have a severe influence on auto insurance costs because it increases the amount of risk being covered by insurers. Below is a list by Zimlon highlighting different violations and their cost burden.
Equipping vehicles with anti-theft features like an audible alarm or tracking device can help to lower the cost of car insurance in Green Valley, AZ. Cars equipped with safety devices are less prone to thefts, therefore, auto insurance companies provide a considerable amount of discounts to vigilant car owners. However, these discounts on auto insurance depend on the type and number of safety devices installed in the vehicle.
Zimlon’s research found that car owners in Green Valley, AZ, can lower car insurance costs to $1,271 by installing anti-theft features like Audible Alarm and Active Disabling Device. The car insurance cost for installing other anti-theft features like Tracking Device and Passive Disabling Device is $1,245 and $1,231 respectively in Green Valley, AZ.