If you're looking for cheap car insurance companies in Arizona there's really only one place to look, and that's online. Online insurance sellers charge far less than their brick and mortar competitors for a variety of reasons. However, before you randomly choose a website on which to make your price comparisons, you should be aware that there are things you can do that will save you even MORE money.
Paying your monthly premium automatically from your checking or savings account saves the insurance company the high cost of sending you a bill every month and they pass the savings along to you.
Not making a bunch of small claims all the time will also save you money.
If you are married you can save money by putting the wife on the policy as the primary driver and the husband as the secondary driver.
If you drive back and forth to work every day a large part of your premium is based on the number of rush-hour miles you drive every month. If you join a carpool at work and you cut those rush-hour miles in half then your insurance rates will be far less.
Similarly, if you can use public transportation as much as possible and you can cut the number of miles you drive every month to below 500, you just may be able to take advantage of a special Low Mileage Discount and save even more on your insurance.
Increasing your deductible to the highest level that you can actually afford to pay if you ever have a claim can also reduce your insurance costs - often dramatically.
And, as mentioned before, buying your car insurance online is the only way to go if you are really serious about finding the cheapest rate possible. Just be sure that you don't rely on the results from just a single website. The reason for this is that in order to find the cheapest car insurance company in Arizona you need to see the prices from every insurance company doing business sin the state. You can't do that if you only make your price comparisons on just one website.
The good news is that once you've spent the time to make your comparisons on at least 3 different sites your job is done. All you have to do is to review all of the prices you found and then choose the very best one.
Keep in mind that a basic liability policy such as this won't pay anything toward the repair of your vehicle following an accident - you will be on your own as far as the repair of your vehicle is concerned - and it won't pay even a penny toward your medical bills or the bills of anyone in your vehicle.
But what really makes this type of insurance high risk is the low maximum payouts. If you are at fault in an accident that results in medical bills or property damage in excess of what your insurance will pay, YOU could be on the hook to pay those bills out of your own pocket or purse. In theory you could be forced to spend your life savings or you could be forced to sell your home to pay the bills.
But regardless of what kind of insurance you are looking for - a cheap high risk liability policy, a full-coverage policy or something in between - your best bet for getting the cheapest possible price is for you to buy your policy online.