Life is heating up in Tempe. Whether you're immersed in a pressure cooker of a class at ASU or you're simply broiling in the hot sun while watching the Fiesta Bowl, you can cool off by diving into Tempe Town Lake or gorging yourself at the original Cold Stone Creamery on McClintock Drive. But what can you do to cool off from notoriously high Tempe insurance costs? Take the temperature down a few notches by getting quotes from America's most reliable insurance companies through NetQuote. Our service is fast and easy to use, and it can save you time. As any Copper State resident can tell you, to grow anything in desert terrain, you need to conserve water. Similarly, to find solid Tempe insurance quotes, you need to conserve good information.
Tempe Automobile Insurance Facts and Figures
According to 2007 figures, Arizonans paid an estimated $490 for liability, $303 for collision and $213 for comprehensive insurance --an average yearly expenditure of $873. This was slightly higher than the U.S. average of $795 per person, according to the National Association of Insurance Commissioners. However, considering the firestorm of auto thefts that has ravaged this desert state recently, it's pretty amazing that it is still cheaper to get car insurance in AZ than it is in places like Rhode Island, which boasts an average rate of $1,017. 18% of Arizona drivers are uninsured, according to 2007 numbers compiled by the Insurance Research Council. As of February 2010, Arizonans must get both bodily injury and property damage liability coverage. Bodily injury coverage must be at least $30,000 (for all people hurt in an accident) and $15,000 (for one individual). The property damage minimum is $10,000.
Many Arizona State University students populate Tempe's roads, and college kids traditionally are riskier drivers. To reduce your premium, opt for a higher deductible, take defensive driving courses, and install an alarm system in your car. If you could go back in time to change your driving record --to avoid getting into an accident or avoid a traffic ticket --that would help, too. But in case you don't have a time machine handy, you can work to clean up your DMV record.
Tempting Tempe Insurance Quotes for Homeowners and Renters
According to the Bureau of Labor Statistics and the National Association of Insurance Commissioners, as of 2007, Arizonans paid $634 on average for homeowners' insurance premiums. This is relatively cheap compared with, for instance, Florida ($1,534) and Louisiana ($1,400). (Note that these figures are based on HO-3 package policies for owner occupied homes-the most common package for Tempe insurance buyers.) Tempe renters pay an average of $200 for their insurance. This is slightly more than the average U.S. rate of $182.
Many factors can influence your Tempe insurance quotes. If you live in a relatively safe neighborhood near the headquarters of Insight Enterprises or U.S. Airways, for instance, you may qualify for better rates than if you live in a poorer, more dangerous neighborhood. That said, while Tempe's poverty rate may be approaching 15%, according to recent figures, that statistic may be misleading, since the figure includes many ASU students. (College kids may technically live at or below the poverty level, but that does not necessarily mean that they are poor.) Install bars in your windows, smoke alarms, and security systems to lower your premiums.
Tips for Collecting Tempe Insurance Quotes
Whether you are a penny-pinching ASU student, a retiree living off a fixed stipend, or a wealthy U.S. Airways executive, you can take several smart steps to minimize catastrophic risk and save some money at the same time. Consider opting for a high deductible plan (paying more out of pocket before your insurance kicks in), and understanding your needs before you start shopping. A poor-as-a-church-mouse ASU student has very different insurance needs than does a retiree who has all his lifelong possessions stored in his house, for instance. Maximize your time by using NetQuote. Our service helps in two ways. First, it saves you lots of time. Most insurance questionnaires run around 115 questions or longer. When you get quotes through individual companies, you have to fill out new questionnaires for each company. So to get 5 quotes from 5 companies, for instance, you might have to answer 575 questions. With NetQuote, you fill out one form and get 5 quotes (or more) back from 100+ of the top-rated U.S. insurance companies. Be sharp like a cactus and compare Tempe insurance with the help of NetQuote.