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In the market for auto insurance in Glendale? At AutoInsuranceEZ.com, you will discover the best insurance rates close to you. To receive free car insurance quotes from the top providers today, type your zip code into the quote box on this page.

Glendale is practically the sports capital of Arizona. The city hosts professional games and off-season training camps for the NHL Phoenix Coyotes, the NLL Arizona Sting, the Arizona Cardinals, the Chicago White Sox, and the Los Angeles Dodgers. Conversely, Glendale is also the antique capital of Arizona.

  • Fun fact: Did you know that Glendale is #4 on the list of “Top 101 cities with the highest average sunshine amount”? Learn more about Glendale. Read below for more info on Arizona car insurance.

Auto Insurance Coverage Requirements in Arizona

Driving legally in Glendale requires:

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 10,000 25,000
Uninsured Motorist Bodily Injury Not required 15,000/30,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

For those who have a mature, second hand vehicle, then Liability may be sufficient for your requirements. However, more recent automobiles which are more expensive to exchange will need more coverage. Sometimes extra coverage may be a requirement of your bank loan provider or for leased automobiles.

Typical Arizona motorists are having to pay around $102 every month for his or her insurance plans. But wise shoppers might get coverage for as little as $52/mo* when they act rapidly. But you shouldn’t wait too long, because these deals won’t last forever.

Average Monthly Auto Insurance Premiums Legend: Basic Coverage Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 $40 $31 $62 $72 $56

 

Searching for that absolute cheapest cost? Take a look toward either Farmers or State Farm. But don’t forget there are other aspects to insurance service than simply prices. In the end, you won’t want to subscribe to a minimal rate after which suffer from claims filing problems or poor customer support.

Auto insurance companies contemplate various variables when assessing insurance quotes, including driving violations, accident claims, credit score/rating, years of driving experience, and whether or not you have multiple cars and drivers on your policy. Also keep in mind that premiums vary from company to company. To make sure you’re still receiving the most affordable rate, compare cheap Glendale auto insurance quotes online.

Major Car Insurance Factors in Glendale

Insurance companies take several elements into account when crafting an auto insurance policy. Unfortunately, many of these elements are difficult or impossible to change, such as your gender or the make/model of your car. Other elements your car insurance company may consider include:

  • Your Zip Code

Where you park your car each night will have a major impact on your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars means a smaller chance that you will get into a collision with another vehicle. The population of Glendale is 234,632 and the median household income is $41,037.

Auto Insurance by Zip Code Legend: Chandler Phoenix Tucson Mesa Glendale Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 $31 $36 $30 $28 $40 $36 $47 $38 $39 $31 $41 $71 $39 $52 $62 $46 $56 $43 $48 $72 $48 $63 $59 $48 $56

 

  • Automotive Accidents

Yes, it’s true that Glendale has more than 230,000 residents. However, most insurance companies who look at the statistics in the chart below might still find those numbers uncomfortably high, mainly because there are many cities across the country with similar populations but much lower accident rates. However, safe drivers might want to inquire about discounts available in their area for having a clean driving record.

Fatal Accidents in Glendale, AZ Legend: Glendale Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 30 35 40 20 33 5 22 42 9

 

  • Auto Thefts in Glendale

Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. The total number of stolen vehicles in Glendale was 1,050 back in 2013. So the good news is that numbers are dropping; the bad news however is that this may entice some drivers to reduce or eliminate their Comprehensive coverage, which would leave them financially vulnerable to many different hazards.

Basic vs. Comprehensive Policy Legend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 135 $40 $86 $31 $71 $62 $79 $72 $139 $56 $72

 

  • Your Credit Score

A great number of drivers have no clue how important their credit rating is, or the number of ways in may influence your day-to-day existence. Your automotive insurance rate is among the most significant factors in figuring out your rates. For those who have a bad credit score, you will probably get billed a lot more – but you will find companies available which provides you with a break.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 80 90 100 110 $39 $108 $27 $81 $28 $65 $69 $111 $55 $92

 

  • Your Age

Youthful motorists as well as their lack of skill driving are more likely to get involved with a significant accident, and for that reason a lot more dangerous to insure. But you can test to reduce your premiums with higher Student discount rates, or if you take Driver’s Education classes.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Safe Auto 50 100 150 200 250 300 350 400 450 500 550 600 $40 $602 $31 $173 $62 $216 $72 $322 $56

 

  • Your Driving Record

Your driving history will certainly have in effect on just how much you receive billed. The greater violations you’ve in your record, the much more likely insurance companies charges you more. But you will find things like Accident Forgiveness discount rates, so ask your provider should you qualify.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 135 150 $40 $61 $72 $72 $31 $47 $47 $51 $62 $65 $80 $86 $72 $93 $162 $121 $56 $59 $59 $59

 

  • Your Vehicle

Your insurance policy is going to be largely based on just how much you have to purchase to be able to repair or replace your automobile. And, naturally, a costly luxury vehicle will require more coverage to be able to adequately repair or replace in case of any sort of accident.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 135 $40 $95 $31 $88 $62 $89 $72 $149 $56 $124

 

Minor Car Insurance Factors in Glendale

Of course, these other factors may also make a difference:

  • Your Marital Status

Being married provides you with the privilege of bundling your insurance plan with this of the spouse. Even though being married will not always lead to discount rates for you personally as a person, bundling together with your spouse you can get some decently lower rates.

  • Your Gender

It’s tough to predict whether your gender will change your insurance rate. It is because not every insurance provider operates through the same rules. Some providers charge you more with different specific gender, however, many don’t discriminate according to gender alone.

  • Your Driving Distance to Work

For most motorists, their commute to work can take anywhere from 30-35 minutes on average. Nearly three quarters of all Glendale residents choose to drive their own car to work, whereas almost 15% carpool with co-workers.

Lacking insuring your automobile for business reasons, there’s hardly any you are able to change regarding your driving habits to obtain a good discount in your insurance rate. Even slashing your yearly mileage or your purpose in being on the highway will not enable you to get greater than a 3-4% lower rate.

  • Your Coverage and Deductibles

Considering raising your deductible for any lower rate? Well, make certain you intend accordingly. Raising your deductible you can get a lesser monthly premium, but it’ll also mean you need to pay that greater deductible if you need to file claims. So make certain it will save you up some money first.

  • Education in Glendale, AZ

The more education you have, the lower your car insurance rate will be. In Glendale, the average driver has either a high school diploma or at least a year of college experience.

Given its proximity to Phoenix, many residents may choose to travel a little bit in order to get a higher education. For those who wish to earn a degree locally, however, the Glendale Community College has campuses both in Glendale proper and a Glendale Community College North located in Phoenix.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Arizona Department of Insurance

Arizona Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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