{"id":570,"date":"2022-05-05T17:28:27","date_gmt":"2022-05-05T16:28:27","guid":{"rendered":"https:\/\/www.oasisinsurance.com\/blog\/?p=570"},"modified":"2022-05-05T17:28:30","modified_gmt":"2022-05-05T16:28:30","slug":"cheap-auto-insurance-in-phoenix","status":"publish","type":"post","link":"https:\/\/www.oasisinsurance.com\/blog\/cheap-auto-insurance-in-phoenix\/","title":{"rendered":"Tips for Finding Affordable Auto Insurance in Phoenix with a Bad Driving Record\u00a0"},"content":{"rendered":"\n
Individuals with a less than stellar driving record may find that their auto insurance rates are higher than they\u2019d like. If you have a bad driving record, it may still be possible to purchase affordable car insurance<\/a> in Phoenix. There are numerous factors that affect the rate that you pay for auto insurance, including your driving record. Let\u2019s look at some tips for finding affordable auto insurance in Phoenix, even if you have a bad driving record. <\/p>\n\n\n\n Besides driving record, insurers look at age, gender, zip code of residence, type of vehicle and much more when determining your car insurance premium. <\/p>\n\n\n\n If you have a bad driving record, you may need to pay more careful attention to some of the other factors involved to make sure that you get the best rate possible. This can help keep your insurance affordable<\/a>, so that you can save money while still being legal and protected. <\/p>\n\n\n\n If you have a bad driving record, it\u2019s still possible to obtain a reasonable auto insurance rate<\/a>. You can carefully calculate the variables above to work out to the lowest possible rate for your Phoenix auto insurance, even if your driving record is less than perfect. <\/p>\n\n\n\n For example, if you have several speeding tickets on your record, it may make sense to adjust your living situation so that you live in a less expensive area. It may make sense to purchase a car that is less expensive to insure. If possible, it may be wise to raise your credit score, as this can dramatically lower your auto insurance rate. These changes can make it possible to keep your Phoenix auto insurance costs as low as possible. <\/p>\n\n\n\n Don\u2019t forget that Arizona requires it drivers to carry a minimum liability coverage of 25\/50\/15<\/a>. <\/p>\n\n\n\n There are numerous issues that will dramatically raise your auto insurance in Phoenix. If your goal is to keep your insurance costs as low as possible, you\u2019ll want to avoid tickets for the following: <\/p>\n\n\n\n While not related to your driving record, poor credit may also dramatically affect the rate that you pay for auto insurance in Phoenix. If you have poor credit, you may find that you pay a significantly higher rate for insurance. If you have a bad driving record, maintaining excellent credit can help keep your automotive insurance rates as low as possible.\u00a0<\/p>\n\n\n\n Yes! Often, an individual can obtain discounts from their auto insurance company for a variety of reasons. Working with your insurance agent to determine which discounts you\u2019re eligible for may help you save a chunk of money on your auto insurance, even if you happen to have a bad driving record. If you have a bad driving record, these discounts may help make your auto insurance policy more affordable overall. Speak to your insurance agent about the various types of discounts that your auto insurance company offers. They\u2019ll help you determine which ones you may be eligible for, so that you can reduce your monthly premium as much as possible. This will allow you to pay the lowest possible rate, even if you have a bad driving record<\/a>. <\/p>\n\n\n\n If you have a bad driving record, you likely pay quite a bit for your auto insurance. One way that you can lower the amount of your monthly premium is to consider the Phoenix zip code in which you’ve chosen to live. Spend some time evaluating different areas of the city and their insurance rates, then select the area with the lowest car insurance premium average. This will allow you to pay the lowest possible rate for your auto insurance in Phoenix, even if you have a bad driving record<\/a>. <\/p>\n\n\n\n Here are a few zip codes from around the Phoenix area with average monthly car insurance rates. <\/p>\n\n\n\n Remember, these are not the rates you can expect to pay. These rates are the average monthly payment for a 30-year-old male driver driving a 2019 Honda Accord and other factors. Insurance companies look at zip codes to factor in how many accident, theft and vandalism claims happen in that area, plus the number of personal injury lawsuits filed.<\/strong> <\/p>\n\n\n\n Temporarily dropping your automotive insurance can seem like a good idea to save money, especially if you\u2019re struggling to pay your bills. However, it may actually raise your rates dramatically. Insurance companies may give you a lower score if they see lapses in car insurance coverage, unless you have a good reason like, for example, you are in the military and have been deployed overseas. <\/p>\n\n\n\n Instead, do everything you can to maintain consistent auto insurance in Phoenix. This will help keep your premiums at a consistent rate that you can afford, and will make sure that you have car insurance available if it\u2019s needed. <\/p>\n\n\n\n Auto insurance in Phoenix can cost a bit more if you have a bad driving record. However, there are some steps that you can take to keep your insurance rates as low as possible. You can work with an Oasis Insurance agent to find affordable car insurance, no matter your budget. Start here to get a fast and free online car insurance quote<\/a>, or visit one of our offices<\/a>, or call us at 800-330-5190<\/a>.<\/a>\u00a0<\/p>\n\n\n What Are the Factors Affecting Rates for Auto Insurance in Phoenix, Arizona?\u00a0<\/h2>\n\n\n\n
Variables that affect the rate that you pay for automobile insurance include: <\/p>\n\n\n\nHow Can You Get a Lower Auto Insurance Rate with a Bad Driving Record in Phoenix?\u00a0<\/h2>\n\n\n\n
What Major Infractions Will Raise Your Auto Insurance in Phoenix?\u00a0<\/h2>\n\n\n\n
<\/figure><\/div>\n\n\n\nWill Discounts Save You Money on Auto Insurance in Phoenix?\u00a0<\/h2>\n\n\n\n
Common insurance discounts include: <\/p>\n\n\n\n
\u202f <\/li>Can Where You Live in Phoenix Help You Pay Less for Insurance with a Bad Driving Record?\u00a0<\/h2>\n\n\n\n
City<\/strong> <\/td> Full Coverage Insurance<\/strong> <\/td> Liability Insurance Coverage<\/strong> <\/td><\/tr> Phoenix (85051) <\/td> $202 <\/td> $71 <\/td><\/tr> Phoenix (85020) <\/td> $193 <\/td> $67 <\/td><\/tr> Mesa (85201) <\/td> $171 <\/td> $60 <\/td><\/tr> Chandler (85224) <\/td> $165 <\/td> $57 <\/td><\/tr> Fountain Hills (85268) <\/td> $156 <\/td> $54 <\/td><\/tr> Scottsdale (85250) <\/td> $164 <\/td> $57 <\/td><\/tr> Paradise Valley (85253) <\/td> $165 <\/td> $57 <\/td><\/tr> Tempe (85280) <\/td> $171 <\/td> $60 <\/td><\/tr> Goodyear (85338) <\/td> $156 <\/td> $51 <\/td><\/tr> Glendale (85069) <\/td> $216 <\/td> $73 <\/td><\/tr> Peoria (85380) <\/td> $174 <\/td> $60 <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n Will Maintaining Insurance Coverage in Phoenix Help You Lower Your Auto Insurance Rates?\u00a0<\/h2>\n\n\n\n
Get Affordable Car Insurance in Phoenix Today\u00a0<\/h2>\n\n\n\n