Bisbee, AZ Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Bisbee, AZ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Low Cost Car Insurance in Bisbee, AZ
As a driver in Bisbee, AZ, you are required by law to have car insurance. This is to protect you and other drivers on the road in the event of an accident. Car insurance can cover the cost of repairs to your vehicle and medical treatment for you or other people involved in the accident. It can also provide financial protection if you are sued as a result of an accident.
The average cost of car insurance in Bisbee, AZ, is $1,330. In Bisbee, Arizona, you may get low-cost auto insurance regardless of your budget. There are numerous insurance providers for drivers in Bisbee to pick from, and there are numerous ways to save money on your rate. Here are some suggestions to help you find the cheapest auto insurance in Bisbee, Arizona.
Credit History
It's no secret that your credit history can affect your car insurance rates. In Bisbee, AZ, your credit history is one of the many factors that can determine your premium. A good credit history means you're more likely to pay your bills on time. That's important to insurers because you're less likely to file a claim. A bad credit history, on the other hand, can indicate that you're more likely to file a claim. That can make you a riskier customer, and you may pay more for your car insurance. For instance, in Bisbee, Arizona, car owners with excellent credit must pay $1,303, while those with poor credit must spend $2,169 for their vehicle. Therefore, car owners in Bisbee, Arizona, who want lower auto insurance rates must have high credit ratings.
Age of the Driver
A driver's age is one of the main factors that insurers use to determine car insurance rates. In general, younger drivers are considered to be riskier and therefore pay higher rates than older drivers. In Bisbee, AZ, the average car insurance rate for a 19-year-old driver is $4,316 per year, while the average rate for a 50-year-old driver is $1,173 per year. There are a few reasons why younger drivers are typically charged more for car insurance:
They are more likely to be involved in accidents than older drivers.
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They are more likely to speed and other traffic violations.
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Younger drivers tend to have less experience behind the wheel, which can make them more likely to be involved in an accident.
Driving Habits
In Bisbee, AZ, car insurance rates are determined by a number of factors, including your driving habits. If you have a clean driving record, you can expect to pay less for your insurance than someone with a history of accidents or traffic violations. Insurance companies use various methods to determine rates, so shopping around and comparing rates from different companies is important. For instance, if a driver runs a red light or drives with an expired license, the total cost of auto insurance in Bisbee, Arizona, will rise by +$310 and +$896, respectively.
Factors that can influence the cost of car insurance in Bisbee, AZ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Bisbee, AZ Auto Insurance Rates
- Bisbee, AZ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bisbee, AZ
- Multi Vehicle Insurance Savings in Bisbee, AZ
- How Credit Score Affects Car Insurance Rates in Bisbee, AZ
- How DUI Affects Auto Insurance Premiums in Bisbee, AZ
- Top Auto Insurance Agents Near Bisbee, AZ
- How Driving Violations Affect Auto Insurance Rates in Bisbee, AZ
- Bisbee, AZ Auto Insurance Discounts on Anti Theft Feature
- Bisbee, AZ Auto Insurance Company Reviews
Bisbee, AZ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Bisbee, AZ with that of other cities in and around Bisbee.
| Bisbee | Sierra Vista | Tombstone | Palominas | Huachuca City | Sierra Vista Southeast | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,330 | $972 | $1,287 | $1,394 | $1,280 | $1,343 |
Bisbee, AZ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Bisbee, AZ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Bisbee | $1,736 | $1,466 |
| Palominas | $1,436 | $1,213 |
| Miracle Valley | $1,031 | $871 |
| Sierra Vista Southeast | $1,501 | $1,268 |
| Naco | $1,509 | $1,275 |
| Tombstone | $1,487 | $1,256 |
| Sierra Vista | $1,144 | $967 |
| Huachuca City | $1,131 | $955 |
Bisbee, AZ Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Bisbee, AZ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,316 |
| 20 Years | $1,709 |
| 30 Years | $1,316 |
| 40 Years | $1,266 |
| 50 Years | $1,173 |
| 60 Years | $1,189 |
| 70 Years | $1,384 |
Bisbee, AZ Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Bisbee, AZ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,314 | $346 |
| 3 Vehicles | $3,471 | $519 |
| 4 Vehicles | $4,628 | $692 |
Savings on 2 Vehicles bundle:$346
Savings on 3 Vehicles bundle:$519
Savings on 4 Vehicles bundle:$692
Bisbee, AZ Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bisbee, AZ.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Bisbee | $1,330 | $2,636 |
| Palominas | $1,394 | $2,763 |
| Miracle Valley | $1,654 | $3,279 |
| Sierra Vista Southeast | $1,343 | $2,662 |
| Naco | $1,289 | $2,555 |
| Tombstone | $1,287 | $2,551 |
| Sierra Vista | $972 | $1,927 |
| Huachuca City | $1,280 | $2,537 |
Bisbee, AZ Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,141 |
| Excellent (740-799) | $1,303 |
| Good (670-739) | $1,386 |
| Average (580-669) | $1,808 |
| Poor (300-579) | $2,169 |
Bisbee, AZ Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Lacritia Spence | State Farm | 4301 W Bradley Rd Ste 110, Brown Deer, 53223-3758 | 414-354-5580 |
| Carrie Aguillon | Farmers | 1502 E Fry Blvd, Sierra Vista, 85635 | (520) 458-3366 |
| Heartland Insurance Group Llc | Travelers | 1165 E FRY BLVD 2, SIERRA VISTA, 85635 | 520-458-0170 |
| Fran Richey | Allstate | 2700 E Fry Blvd Ste A1, Sierra Vista, 85635 | (520) 439-0646 |
| Ginger Hernandez | Farmers | 3965 E Foothills Dr Ste E2, Sierra Vista, 85635 | (520) 459-0609 |
| Scott Beardshear | State Farm | 1101 S Naco Hwy Ste 117, Bisbee, 85603-9729 | 520-432-5411 |
| Gareth Krausser | State Farm | 1993 Frontage Rd Ste 207, Sierra Vista, 85635-4695 | 520-335-6813 |
| Dunn Insurance Llc | Travelers | 322 EAST BARTOW DR, SIERRA VISTA, 85635 | 520-458-1944 |
| Everhart Ins Ltd Llc | Travelers | 402 BISBEE RD, BISBEE, 85603 | 520-432-6704 |
Bisbee, AZ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$59 | $1,389 |
| Driver's Failure In Showing Documents | +$129 | $1,459 |
| Driving With An Expired Registration | +$137 | $1,467 |
| Driving At A Considerably Slow Pace | +$289 | $1,619 |
| Using A Cellphone While Driving | +$305 | $1,635 |
| Running A Red Light | +$310 | $1,640 |
| Speeding | +$326 | $1,656 |
| Driving A Vehicle Without The Required Permission | +$414 | $1,744 |
| Driving With An Expired/Suspended License | +$896 | $2,226 |
Bisbee, AZ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,277 |
| Active Disabling Device | $1,277 |
| Tracking Device | $1,250 |
| Passive Disabling Device | $1,237 |
Latest Auto Insurance Reviews in Bisbee, AZ | Back to Top
American Family InsuranceWhen I switched policies in March, I bundled both my home and auto insurance with American Family. My agent told me it would save money. Overall, my premiums have gone down for auto insurance as well as home insurance.
American Family InsuranceWhen I switched policies in March, I bundled both my home and auto insurance with American Family. My agent told me it would save money. Overall, my premiums have gone down for auto insurance as well as home insurance.
Usaaussa premiums seem to be better than many of the other providers. I have had both Allstate and Statefarm and USAA's rates are better than these two in both auto and home.
EsuranceThe customer support that I receive at the company is great. They're always friendly and helpful and do their best to answer my questions.