Mountainaire Auto Insurance Rates, Quotes, Agents & Reviews in AZ

Mountainaire, AZ Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Mountainaire, 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.

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Factors affecting Car Insurance Rates in Mountainaire, AZ

The average cost of auto insurance in Mountainaire, AZ, is $1,395. Car insurance rates in Mountainaire, AZ, vary greatly depending on various factors. Many car owners need to be made aware of the factors that impact their car insurance rates and end up paying more than they need to. Understanding the factors that affect car insurance rates can help you make informed decisions about your policy and potentially save you money. In this article, we will discuss the most significant factors that influence car insurance rates in Mountainaire, AZ, and what you can do to lower your premiums.

Credit History

Insurance companies may consider a driver's credit history to determine car insurance rates in Mountainaire, AZ. A good credit score can lead to lower rates, as drivers with higher scores are often viewed as less likely to file claims. Conversely, those with poor credit may face higher rates as they are considered a higher risk. Therefore, maintaining a good credit score can potentially help drivers save on their car insurance premiums in Mountainaire, AZ. For example, car owners with exceptional credit scores in Mountainaire, AZ, may be charged $1,197, while those with poor credit scores may pay $2,275 for their car insurance.

Age of the Driver

Younger drivers typically face higher car insurance rates compared to older drivers. This is because teenage drivers, who are typically aged between 16 and 19, may lack driving experience and have a higher likelihood of getting into accidents, which may result in higher car insurance rates in Mountainaire, AZ. As drivers mature and gain more experience, car insurance rates may decrease. For instance, teenage drivers in Mountainaire, Arizona, pay an average of $4,527 for car insurance, while 30-year-old drivers in the same area pay an average of $1,381.

Driving Habits

To determine car insurance rates in Mountainaire, Arizona, insurance companies consider an individual's driving history a key factor. A clean driving record with no traffic violations or accidents can result in lower rates, while a history of accidents or traffic violations may lead to higher rates. Insurers use driving history to evaluate a driver's risk level. Individuals with a high-risk driving history, such as multiple accidents or traffic violations, may face increased car insurance rates. For instance, violating traffic laws like running a red light or driving with a suspended license in Mountainaire, Arizona, can lead to an increase of +$325 and 

+$940, respectively, in car insurance rates.

Factors that can influence the cost of car insurance in Mountainaire, 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.

Mountainaire, AZ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Mountainaire, AZ with that of other cities in and around Mountainaire.

Mountainaire Munds Park Fort Valley Doney Park Kachina Village Sedona
Average Insurance Rates $1,395 $1,383 $1,533 $1,438 $1,370 $1,521

Mountainaire, 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 Mountainaire, 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)
Mountainaire $1,723 $1,456
Kachina Village $1,137 $960
Fort Valley $1,060 $895
Munds Park $1,601 $1,352
Doney Park $1,600 $1,351
Flagstaff $1,895 $1,601
Sedona $1,904 $1,609

Mountainaire, AZ Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Mountainaire, 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 $4,527
20 Years $1,792
30 Years $1,381
40 Years $1,328
50 Years $1,230
60 Years $1,247
70 Years $1,452

Mountainaire, AZ Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Mountainaire, 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 $2,427 $363
3 Vehicles $3,641 $544
4 Vehicles $4,855 $725

Savings on 2 Vehicles bundle:$363

Savings on 3 Vehicles bundle:$544

Savings on 4 Vehicles bundle:$725

Mountainaire, 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 Mountainaire, AZ.

Location Average Insurance Cost Post DUI Insurance Rate
Mountainaire $1,395 $2,765
Kachina Village $1,370 $2,716
Fort Valley $1,533 $3,039
Munds Park $1,383 $2,741
Doney Park $1,438 $2,850
Flagstaff $993 $1,968
Sedona $1,521 $3,015

Mountainaire, 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) $1,197
Excellent (740-799) $1,366
Good (670-739) $1,454
Average (580-669) $1,896
Poor (300-579) $2,275

Mountainaire, 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 +$61 $1,456
Driver's Failure In Showing Documents +$135 $1,530
Driving With An Expired Registration +$144 $1,539
Driving At A Considerably Slow Pace +$303 $1,698
Using A Cellphone While Driving +$319 $1,714
Running A Red Light +$325 $1,720
Speeding +$342 $1,737
Driving A Vehicle Without The Required Permission +$434 $1,829
Driving With An Expired/Suspended License +$940 $2,335

Mountainaire, 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 $1,339
Active Disabling Device $1,339
Tracking Device $1,311
Passive Disabling Device $1,297