The Guinness Book of World Records names Yuma, Arizona, the sunniest spot on earth, with 4,050 out of a possible 4,456 daylight hours clear and bright. It's also one of the hottest cities in the U.S., reaching an average temperature of 107 degrees in July and soaring one day in 1995 to a record 124 degrees. If you're going to live in Yuma, you need to be prepared for the sun and the heat, just as you need to be prepared with good information when you're searching for Yuma insurance quotes.
Know the basic costs for Yuma insurance
When you're in the market for Yuma insurance quotes for your car, it helps to have some idea of the premiums you might expect to pay. A 2007 study of auto insurance rates by the National Association of Insurance Commissioners (NAIC) shows that Arizona drivers pay an average of $873 in auto insurance expenditures, making it the 14th most expensive state in the country.
Your actual Yuma insurance premiums will depend on your age, sex, marital status and the type of car you drive, as well as your driving and accident record. According to a survey by Arizona Department of Insurance, the premiums that an unmarried 18-year old man living in the Yuma area and driving a 2009 Ford pickup might pay range from around $1500 to more than $5,000 for six months of coverage. A 42-year-old married couple, on the other hand, might pay from around $450 to almost $1,800 in premiums for that same time period.
Arizona residents paid an average premium of $634 for homeowner's insurance, according to the NAIC survey, making it the 39th most expensive state in the country. The premium for your own home will depend on a variety of factors such as the age of your home, the type of construction, the crime rate in your area and your home's location (rural areas generally pay more, in part because firefighters have to travel farther to put out fires).
You can cut the costs of both homeowner's and automobile insurance premiums by asking an insurance company if they offer discounts for safety or anti-theft devices. If you can afford the cash outlay if you have a claim, raising your deductible can make a big impact on the amount that you pay in premiums.
Heating Up Your Yuma Insurance Search
When you've completed your background research and are ready to look for the auto and homeowner's policies that are right for you, there are a few options available. To obtain Yuma insurance quotes you can make the long, hot drive all over town, visiting individual agencies and filling out countless forms that ask the same questions over and over. You can call the agencies and spend hours on the phone answering those questions. Or you can make a quick trip online to NetQuote.com. At NetQuote you simply fill out one form for homeowner's or for auto insurance and submit it. You can relax as NetQuote does the legwork for you and then provides you with quotes from five of the top insurers in the Yuma area. It's fast and efficient-a truly cool way to successfully complete your insurance search.