Phoenix has over a million residents. That means there are lots and lots of cars on the road. The more drivers on the roads in any city and you will also have a lot of claims – accident, car thefts, vandalisms and more.
Then you add in all the nearby cities, such as Mesa, Scottsdale, Tempe, Glendale and Peoria and the number of people living in and around Phoenix and you have a whole lot of people.
Insurance companies keep track of how many people live and drive in any particular city. The claim statistics are what they follow to determine rates.
It could be possible to live in a neighboring suburb and pay a lot less than residents who live inside the Phoenix city limits.
Are you searching for a great rate on car insurance?
There are a number of ways to compare Phoenix Auto Insurance rates – through a captive carrier (like one of those big insurance companies that advertises on television), a direct seller (those who sell via 1-800 numbers) or an independent insurance agent.
Each of those methods will offer you the opportunity to receive insurance quotes. It is up to you to determine which quote and carrier offers the best rate for you.
One advantage of using an Independent Insurance Agent is they can compare and shop insurance through a variety of carriers on your behalf. In Arizona there are probably 200 carriers doing business in the state so you would have to get quotes through a lot of agents to truly find the lowest rate.
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