It’s a known fact that car insurance companies don’t want you to look for a cheaper policy. Insureds who shop for lower prices are very likely to switch companies because the odds are good of finding a more affordable policy. A study showed that consumers who regularly shopped around saved $850 each year compared to drivers who never compared prices.
If finding the cheapest price on insurance is your ultimate goal, then understanding how to find and compare coverage rates can save money and time.
To save the most money, the best way to get the cheapest Acura TL insurance is to start doing a yearly price comparison from insurers who provide auto insurance in Scottsdale. This can be done by completing these steps.
- Step 1: Try to comprehend how insurance companies determine prices and the changes you can make to lower rates. Many policy risk factors that result in higher prices like traffic violations, accidents, and poor credit history can be remedied by improving your driving habits or financial responsibility. Later in this article we will cover more ideas to prevent rate hikes and get discounts that may be overlooked.
- Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of companies.
- Step 3: Compare the quotes to your current policy and determine if there is any savings. If you find a better price and buy the policy, make sure there is no coverage gap between policies.
- Step 4: Give notification to your current company to cancel your current car insurance policy. Submit the required down payment along with the signed application for your new policy. Be sure to safely store the proof of insurance paperwork in an easily accessible location.
The key aspect of shopping around is to make sure you’re comparing identical coverages on every quote and and to get prices from as many companies as you can. Doing this provides a fair price comparison and a thorough price selection.
Locating the most cost-effective auto insurance policy in Scottsdale is not rocket science. Essentially everyone who needs cheaper auto insurance will more than likely get better rates. But Arizona car owners must understand the way companies calculate their prices and apply this information to your search.
To get cheaper Scottsdale auto insurance quotes, there a variety of ways to compare prices from companies that offer insurance in Arizona. One of the best ways to compare Acura TL insurance prices consists of obtaining rate quotes online.
Doing price comparisons online is so simple that it makes it a waste of time to call or drive to local Scottsdale insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you prefer the professional abilities of a licensed agent. You can, however, get prices online but purchase the actual policy in an agency.
When comparison shopping, comparing more prices will enable you to find a better price.
The companies shown below offer price quotes in Arizona. If you wish to find the best cheap car insurance in Arizona, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Coverage information
The table displayed next outlines detailed analysis of coverage costs for Acura TL models. Learning as much as possible about how insurance policy rates are figured is important for drivers to make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $282 | $538 | $306 | $18 | $92 | $1,236 | $103 |
| TL 3.5 W/Technology Package | $282 | $538 | $306 | $18 | $92 | $1,236 | $103 |
| TL 3.7 SH AWD | $282 | $538 | $306 | $18 | $92 | $1,236 | $103 |
| TL 3.7 SH W/Technology Package AWD | $282 | $620 | $306 | $18 | $92 | $1,318 | $110 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in specific zip code location which can increase or decrease coverage prices noticeably.
Should you raise deductibles?
The hardest decision when buying coverage is how high should the physical damage deductibles be. The premium rates below outline the costs and benefits when you buy lower versus higher policy deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| TL 3.5 W/Technology Package | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| TL 3.7 SH AWD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| TL 3.7 SH W/Technology Package AWD | $292 | $632 | $300 | $18 | $90 | $1,357 | $113 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| TL 3.5 W/Technology Package | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| TL 3.7 SH AWD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| TL 3.7 SH W/Technology Package AWD | $212 | $428 | $300 | $18 | $90 | $1,048 | $87 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Information does not factor in vehicle location which can lower or raise rates greatly.
Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $24 more each month or $288 a year than choosing the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 17 months between claims, you would most likely save money if you choose a higher deductible. The numbers below show the way you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $108 |
| Average monthly premium for $500 deductibles (subtract): | – $84 |
| Monthly savings from raising deductible: | $24 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $24 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One big caveat is that raising deductibles to save money results in having to pay to pay more out-of-pocket at claim time. You need to make sure you have some savings in the event you need to pay the higher deductible.
The example below illustrates how choosing a deductible and can affect Acura TL premium costs for each different age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
Impact of age and gender on car insurance rates
The chart below shows the comparison of Acura TL insurance rates for male and female drivers. The information is based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, single marital status, and no policy discounts are applied.
Do I need an insurance agency?
Certain consumers would prefer to talk to a local agent and that is a smart decision The biggest benefit of comparing rate quotes online is the fact that you can find better rates and still choose a local agent.
Upon completion of this simple form, the coverage information is immediately sent to local insurance agents who will give you quotes to get your business. There is no reason to contact an agency because prices are sent immediately to your email address. You can most likely find cheaper rates and a licensed agent to talk to. If you want to get a price quote from a specific insurance company, don’t hesitate to find their quoting web page and fill out their quote form.
Finding the right insurance company should include more criteria than just the bottom line cost. Here are some questions to ask:
- Do they have designations such as AIC, CPCU, or CIC?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Will you work with the agent or an assistant?
- How much training do they have in personal risk management?
- Can they give you a list of client referrals?
- How is replacement cost determined on your vehicle?
- Does the agency have a good rating with the Better Business Bureau?
- Do they review policy coverages at every renewal?
If you want to use a good insurance agency, it’s helpful to know the types of insurance agents and how they are distinctly different. Insurance agents in Scottsdale can be classified as either independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
Agents in the exclusive channel work for only one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to provide other company’s prices so you might not find the best rates. These agents are highly trained in insurance sales which can be an advantage.
Shown below are exclusive agents in Scottsdale that are able to give rate quotes.
Joe Dufek – State Farm Insurance Agent
5425 E Bell Rd #108 – Scottsdale, AZ 85254 – (602) 493-5300 – View Map
Farmers Insurance – Marc Sollee
6320 E Thomas Rd #303 – Scottsdale, AZ 85251 – (480) 900-8010 – View Map
American Family Insurance – Denis Zdrale
7001 N Scottsdale Rd #1045 – Paradise Valley, AZ 85253 – (480) 951-0115 – View Map
Independent Agents
These type of agents are not required to write business for one company so they can write business through lots of different companies and possibly get better coverage at lower prices. If they find a cheaper price, they simply move the coverage in-house which makes it simple for you. If you need lower rates, you should always get quotes from independent agents to get the most accurate price comparison.
Listed below is a short list of independent insurance agencies in Scottsdale willing to provide comparison quotes.
Palomino Insurance Agency
8889 E Bell Rd – Scottsdale, AZ 85260 – (480) 483-8000 – View Map
Arizona Western Insurance Services
13951 N Scottsdale Rd # 234 – Scottsdale, AZ 85254 – (480) 483-3311 – View Map
Jeremy Mueller Insurance Inc
8700 E Pinnacle Peak Rd # 110 – Scottsdale, AZ 85255 – (480) 515-5223 – View Map
If you feel you receive positive responses to all your questions as well as offering an affordable quote, you’ve probably found a car insurance agent that meets your needs to properly service your insurance policy. Just keep in mind you are able to terminate coverage at any time so never feel that you are permanently stuck with any particular company for the full policy term.