Finding the best Arizona homeowners insurance rates has never been easier. This southern state that according to the United States Census Bureau has approximately 6 million people has many home insurance companies offering their services to customers in the market. In the following article you will be able to understand the Arizona home insurance industry a little better and see the many ways in which you save money on your Arizona home insurance.
Arizona Home Insurance Rates
Before you determine which would be a good rate if you live in the state of Arizona it is important to know how much the people around you are paying for home insurance. People in Arizona rank 38 out of the 50 states in the United States when it comes to home insurance and average promotions, meaning that people in this state are in the lower rankings of home insurance rates.
According to a survey made by the National Association of Insurance Commissioners, in the year 2005 the people of Arizona spent an average of $ 635 when it came to home insurance policies. Keep in mind that the national average for a home insurance premium was an estimated $ 764. Although people in Arizona are below the national average there is more that they can do if they want cheap rates.
Shop Around To Find The Best Arizona Homeowners Insurance Rates
The most important thing in order to find cheap homeowners insurance rates in the state of Arizona is to shop around thoroughly. There are many ways in which you can shop around, but in this article we are going to discuss the two main ways people can find cheap insurance in today's market.
The first way involves you looking in your local yellow pages for home insurance companies in your local area. Once you find a few of them then you can go ahead and visit them personally. The good thing about doing this in person is that you will be able to see the company work as it is. Once you get in the local insurance agency you will be able to tell how knowledgeable the agent is about the industry. Ask the agent any questions you may have about the home insurance industry and see how well his customer service is. You can also ask him about the company's history and financial ratios which are very important in determining the company's future.
The second way in which you can check to shop around involves the use of a computer and the Internet. Nowadays most companies offer their website pages to customers that desire to get a quote or simply know more about them. If you shop for AZ home insurance online make sure you visit enough Arizona home insurance company websites and get quotes from each one. This will help you compare between them and see which one is best for you. You can also lean towards online comparison websites. What these websites offer is more quotes from dozens of company in exchange for you filling out your information only once. Many people use them and they are becoming quite a tool for finding low cost homeowners insurance in Arizona.
Try Asking For Discounts For Better Arizona Homeowners Insurance Rates
Believe it or not, the Arizona home insurance industry just like the auto and life insurance business offers many discounts to the public. The reason why people do not take advantage of these discounts is because they do not know about them. Although companies differ and discounts may vary between each and from state to state, it is always good to ask the agent or do some research about discounts.
Some of the discounts available include the senior living discount. This discount is basically made for retired people that spent most of their lives inside their residence. Because they spend most of their time in their residency because they are already retired from work, then they will have a lower probability of being subjects to theft and vandalism. Insurance companies recognize them and give senior citizens discounts.
Another discount that you will be able to get includes the age of your home. If you have an old home you will be paying more simply because you will have to fix the property a lot more and the structure of the house itself will be weaker. On the other hand if you have a new house that is professionally made then you will have a stronger house against tornadoes, mole, storms, hail and any other natural disaster that may arise (this is why brick houses usually pay less in home insurance than frame houses).
Last but not least it is important to highlight the security devices that you have in your home. Arizona is not prone to hurricanes because it is inland, but a tornado and a storm can come all of a sudden. If you have storm shutters and stronger roofs then you will be more likely to pay less than other people. Also, if you have more fire alarms, smoke detectors and indoor sprinklers you will be able to save some big money on home insurance.
Always remember that security alerts are a good thing to have so that they protect you and your family, and allow you to have a lower premium. Even in you live in a rural area that does not mean that you are sooner to theft (although homes in big cities like Phoenix or Tucson are more likely to be robbed). Always try to install a security alarm if what you want is to save money on your Arizona homeowners insurance rate.
You Too Can Save Money On Your Arizona Homeowners Insurance Rates
As you saw in this article there are many ways in which you can save money when speaking about homeowners insurance in the state of Arizona. Although most residents of the state pay an average of $ 635 you will be able to lower that price by asking for discounts and shopping around. Whatever you do just know that a low rate is possible; all you have to do is follow the tips mentioned above!