Home of the Arizona Cardinals, Glendale is a major tourist destination and one of the most recognizable cities in the state. Populated by roughly 250,000 residents according to the United States census, it's home to thousands of drivers, and car insurance premiums are a major cost. Understanding some of the factors that change these premiums is vital for residents that want to find lower Glendale auto insurance quotes.
Many drivers decrease their premiums by buying only the state required minimum amounts of coverage enforced by the state of Arizona. This can be problematic. Arizona requires drivers to carry 15/30/5 insurance, which means $15,000 in maximum bodily injury liability for a $30,000 maximum per incident and $5,000 in property damage liability. These minimums are quite low, and won't come close to covering the costs incurred in a major accident. It's sometimes necessary to decrease coverage levels in order to get lower premiums, but it's inadvisable to buy only the minimum amounts of coverage unless it's absolutely necessary. Glendale drivers who decrease their coverage levels take on additional risk while driving.
It's a better idea to investigate ways to decrease your driving risks. For instance, driving a safer vehicle inevitably leads to lower insurance costs, particularly if you're paying for comprehensive coverage (which is usually required if you're using a bank loan to buy your vehicle). Although Glendale doesn't have a particularly serious problem with auto theft, it can also be helpful to choose a car with a low risk of theft. Installing a car alarm can sometimes decrease premiums, depending on the insurance company you're using. Many insurance companies will ask whether your car is parked in a covered or locked location at night; this is because a further discount is available to drivers that park safely, since their vehicles are protected from environmental damage and theft. Different car insurance policies often offer different types of discounts, and the best way to find out what your insurer offers is to simply call an insurance agent and ask for advice.
However, there's no better way to decrease the cost of Glendale car insurance than through comparison shopping. By looking at several rates, drivers can quickly gain a perspective on insurance costs, and it becomes a simple matter to look through policies to find adequate coverage at affordable premiums. Having as many quotes as possible at your disposal can make negotiation with your current insurer much easier, as well. Our free online tool allows drivers to find low Glendale auto insurance quotes, and can help drivers compare coverage levels to find a policy that fits their driving habits. Enter your zip code now to begin!