You have most likely seen the ads from insurers like Allstate and Farmers that say if you switch you’ll get enormous savings, so drivers just need to pick the company with the best ad, right?
It’s just not that easy, however, as there are a ton of unknown factors such as tickets or driving violations, your gender, and whether or not you have had gaps between policies, that all have an effect on the price. This article delves into the different ways to avoid overpaying and should give you a good beginning to your quest for cheaper car insurance.
One of the many criteria that determine the cost of insurance is where you keep your vehicle in Scottsdale. Larger areas likely pay more, whereas areas with less congestion have the benefit of cheaper car insurance.
The table below shows the most expensive places in Arizona for teachers in which to buy car insurance. Scottsdale is listed at #5 having an annual price of $1,151 for the average policy, which is around $96 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,186 |
| 4 | Mesa | $1,159 |
| 5 | Scottsdale | $1,151 |
| 6 | San Tan Valley | $1,150 |
| 7 | Tempe | $1,140 |
| 8 | Goodyear | $1,131 |
| 9 | Chandler | $1,126 |
| 10 | Gilbert | $1,120 |
| 11 | Buckeye | $1,110 |
| 12 | Maricopa | $1,107 |
| 13 | Peoria | $1,104 |
| 14 | Casa Grande | $1,089 |
| 15 | Catalina Foothills | $1,072 |
| 16 | Tucson | $1,072 |
| 17 | Surprise | $1,058 |
| 18 | Oro Valley | $1,051 |
| 19 | Casas Adobes | $1,040 |
| 20 | Yuma | $963 |
| Find Cheaper Rates Go | ||
Premium costs are approximated as the specific garaging location can raise or lower coverage prices noticeably.
Comparing quotes for low-cost car insurance is not the easiest thing to do, and deciding which insurers offer the most affordable auto insurance rates for teachers involves even more shopping around. Every insurance provider uses a different method to determine rates, so first we will examine the auto insurance companies with the overall cheapest rates in Scottsdale, AZ.
Best Cheap Insurance Rates for Educators
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $924 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,080 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,164 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,208 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | State Farm | $1,323 |
| 13 | Safe Auto | $1,336 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,429 |
| 18 | American Family | $1,463 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,551 |
| Compare Rates Now Go | ||
The Hartford may have some of the best car insurance rates in Scottsdale at around $845 annually. This is $583 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA would also make the list of some of the cheaper Scottsdale, AZ insurance companies.
As the rates illustrate above, if you currently have a policy with Travelers and switched to Safeco, you may realize an annual savings of in the vicinity of $179. Policyholders with USAA could save as much as $184 a year, and GEICO insureds might lower prices by $235 a year.
To find the cheapest rates for your vehicle, click here to start a quote or click several companies below for low rates.
Understand that those premium estimates are averaged for all drivers and vehicles and do not take into consideration an exact vehicle garaging location for teachers. So the car insurance company that has the lowest price for you may not even be in the top 28 companies shown above. That emphasizes why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
Full coverage rates compared to liability only
Paying a lower price for auto insurance should be important to most vehicle owners, and one common way to pay lower rates for insurance for teachers is to not buy full coverage. The information below illustrates the comparison of car insurance costs with liability coverage only compared to full coverage. The premiums assume no accidents or driving violations, $250 deductibles, drivers are single, and no discounts are factored in.
If we average the cost for all age groups, full coverage on your policy costs an extra $2,144 per year over having just liability coverage. That brings up the question when is it a good idea to stop buying full coverage. There is no exact formula of when to stop paying for comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s book value is $8,500 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,500 after the deductible is paid. If you are paying more than $750 a year to have full coverage, then you may want to consider only buying liability coverage.
Which auto insurance company is best in Arizona?
Buying coverage from the highest-rated insurance provider can be rather challenging considering how many choices there are in Arizona. The ranking data listed below could help you analyze which car insurance providers to look at comparing prices from.
These rankings are only made up of companies who write in the majority of U.S. states, so smaller regional companies will not be included in these rankings. If you wish to compare rates and find the cheapest rates for teachers, simply click here.
Top 10 Major Car Insurance Companies Overall in Scottsdale
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Major Car Insurance Companies in Scottsdale Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Why you should compare rates
Scottsdale, AZ auto insurance rates are based on many factors that will increase or decrease the policy price. Improving your credit score, marrying your spouse, or getting a few speeding tickets can trigger changes in premium that may make certain companies much cheaper than others. Not only may things change on your end, but car insurance companies file new Arizona auto insurance rates at least once a year in order to protect their financial rating. A period of higher than normal claims can cause more expensive prices, while a lower level of claims may result in lower-priced Scottsdale car insurance rates.
As an example, the bar chart below shows the cheapest car insurance in Scottsdale, AZ for a 40-year-old female driver with no prior claims, no tickets, and good financial standing. If we estimate prices based on her personal profile, The Hartford quotes the best car insurance rates in Scottsdale at $1,085 annually. This is $343 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive also make the list of the cheapest Scottsdale, AZ auto insurance companies.
The next chart shows rates after we give the driver from the first example a claim, a lower credit rating, and a few blemishes on her driving record. Due to the fact that every insurance company uses their own method for establishing rates, comparing insurance quotes most likely will result in a different set of companies as shown below.
CSAA now has the best auto insurance rate in Scottsdale, AZ with GEICO, Ameriprise Group, Auto-Owners, and Allied now rounding out the top five. This illustrates why it is crucial to compare lots of rates to get the most budget-friendly car insurance quotes for teachers. Insurance prices are impacted by many factors and can increase or decrease at any time, so the best company three years ago may now be priced much higher than other options.
The Scottsdale car insurance agencies listed below can provide answers to your questions and help you determine which car insurance company is the best fit, since lots of drivers aren’t clear which coverage they need and would like to have some advice when comparing insurance rates for teachers and educators. It’s not always simple to find the best policy yourself, so a professional agent can add satisfaction knowing your coverage gives you adequate protection in case of an accident or claim. To locate a Scottsdale auto insurance agent in your neighborhood, click the button at the bottom or click here to compare price quotes.
Scott Holly – State Farm Insurance Agent
4014 N Goldwater Blvd Ste 202 – Scottsdale, AZ 85251 – (480) 949-7204
Athena Olson – State Farm Insurance Agent
8170 N 86th Pl #105 – Scottsdale, AZ 85258 – (480) 398-1266
Brock T Quinn – State Farm Insurance Agent
8100 E Indian School Rd #102 – Scottsdale, AZ 85251 – (480) 668-3878
Dwayne Aaron – State Farm Insurance Agent
14555 N Scottsdale Rd #120 – Scottsdale, AZ 85254 – (480) 948-2005
More Scottsdale, AZ insurance agents
How to find economical car insurance for teachers
It is possible to find better rates, and here are some of the recommended thrifty suggestions that can help Arizona drivers find more affordable auto insurance.
- Drive attentively and avoid accidents
- Higher deductibles save money
- Good credit can mean cheaper rates
- Full coverage may not be needed on older vehicles
- Vehicles with good safety ratings have lower liability rates
- Violations like speeding or DUI increase rates
- Check for cheaper rates once a year
The last item on the list is extremely vital, as we noted in the prior article. Rates change constantly, so don’t be tentative to change to a new company if a lower price can be found. Many drivers prefer to stick with one company, but it’s not a good idea if that loyalty ends up costing potentially thousands of dollars a year. In just a few minutes you could compare rates and find cheaper insurance for teachers in Scottsdale.