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.
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 Rates
- Mountainaire, AZ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Mountainaire, AZ
- Multi Vehicle Insurance Savings in Mountainaire, AZ
- How Credit Score Affects Car Insurance Rates in Mountainaire, AZ
- How DUI Affects Auto Insurance Premiums in Mountainaire, AZ
- How Driving Violations Affect Auto Insurance Rates in Mountainaire, AZ
- Mountainaire, AZ Auto Insurance Discounts on Anti Theft Feature
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 |