Finding the right auto insurance can be particularly challenging for Arizona drivers opting for high deductibles. A high deductible can lower monthly premiums, but it’s crucial to choose an insurer that provides reliable coverage and excellent customer service. Here’s a rundown of the best auto insurance companies available to Arizona drivers considering high deductible options.
1. Geico
Geico is renowned for its affordable rates and extensive coverage options. They offer customizable policies that allow you to choose high deductibles which can significantly reduce your monthly premium. Geico’s mobile app provides excellent customer service and claims processing, making it a popular choice for Arizona drivers.
2. State Farm
State Farm is another leading auto insurance provider that offers a myriad of options for high deductible policies. Their robust nationwide network ensures that local agents are available for personalized service. State Farm also provides various discounts, including safe driver and multi-policy discounts, which can further enhance savings.
3. Progressive
Progressive stands out for its competitive pricing on high deductible plans and its innovative tools like the Name Your Price tool, which helps you find coverage that fits your budget. They also provide unique savings opportunities such as bundling insurance and benefits for low mileage drivers, making them an attractive choice for Arizona residents.
4. Allstate
Allstate is known for its comprehensive coverage options and the ability to customize deductibles. Their Drivewise program rewards safe driving behaviors with discounts, which can be particularly beneficial for those opting for higher deductibles. Furthermore, Allstate offers a range of add-ons such as accident forgiveness that can provide peace of mind.
5. Farmers Insurance
Farmers Insurance provides excellent customer support with a strong presence in Arizona. Their high deductible policies allow for flexibility and can lead to reduced premium costs. Additionally, Farmers offers a variety of discounts, including those for having multiple policies or being a member of certain organizations.
6. USAA
If you are a military member or veteran, USAA is unbeatable in terms of customer satisfaction and pricing. They offer high deductible options that provide substantial savings while maintaining robust coverage. Their commitment to serving military families makes them a reliable option, although their services are limited to eligible service members and their families.
7. Liberty Mutual
Liberty Mutual offers flexible deductible options, allowing Arizona drivers to choose high deductibles to lower their premiums. Their extensive online resources and tools can help you assess your insurance needs. With a variety of discounts for various scenarios, including student and military discounts, Liberty Mutual can be an economical choice.
In conclusion, when selecting an auto insurance provider in Arizona, it’s vital to consider not only the costs associated with high deductibles but also the quality of coverage and customer service. Each of the listed companies provides competitive options tailored for drivers looking for the balance of affordability and sufficient protection on Arizona roads.
