Arizona auto insurance discounts; good driver, drivers with a clean record and no claim history save on insurance. A safe driver discount may be offered to drivers who have a clean driving record for a specified period of time. The safe driver discount is sometimes referred to as a good driver discount, a no-claim car insurance discount, or a no-claim discount. Ask your local independent agent or a Travelers representative for details on how much savings you might qualify for.
A number of car insurance companies offer a discount of around 2% for vehicles with safety devices, including airbags and anti-lock brakes. You can face multiple penalties if you are caught driving without at least the minimum car insurance required in Arizona, including fines and the suspension of your license and registration. And there are plenty of other occupational discounts, for example, some insurance companies offer discounts for teachers or firefighters. If you have an accident while driving without insurance in Arizona, you will be cited and all penalties for driving without insurance will apply, no matter who is at fault.
A driving record is one of the important factors that insurance companies consider when determining their car insurance premium. In Arizona, drivers with just two speeding tickets pay an average of 23% more on their annual car insurance premiums, for example. If you haven't had accidents or fines for the past three years, you can get a discount for safe drivers on your car insurance rates in Arizona. While actual savings will vary depending on the insurance company, the driver's profile and other factors, you may qualify for several discounts that will significantly reduce your car insurance premiums.
In addition to the legal consequences of driving without insurance, you could easily be responsible for tens of thousands of dollars or more in damage to your vehicle, the other driver's repair and hospital bills, and your own medical care. In addition, discounts on vehicles help drivers save if their car has certain security features or anti-theft systems. Allstate doesn't offer most of the discounts, but it offers potentially the biggest combined discount in Arizona. You may be eligible for this multi-line discount if you are the designated insured on a qualifying State Farm housing, renter, condo, life or health policy.
Just about anyone can get a discount on car insurance in Arizona because most insurance companies make it easy to get a variety of savings. Even if the accident isn't your fault, driving without insurance leaves you vulnerable to expensive hospital bills and repairs.