It takes a few minutes, but the best way to get discount Volkswagen Atlas insurance in Scottsdale is to make a habit of comparing prices annually from insurers who sell insurance in Arizona. Rate comparisons can be done by following these steps.
First, try to learn a little about how auto insurance works and the modifications you can make to keep rates low. Many policy risk factors that cause high rates like traffic citations, accidents, and a less-than-favorable credit history can be improved by making small lifestyle or driving habit changes. This article gives more information to help prevent expensive coverage and find discounts that may have been missed.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO and Allstate, while independent agents can quote rates for a wide range of insurance providers.
Third, compare the new quotes to the price on your current policy to determine if switching companies saves money. If you can save some money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, tell your current company to cancel your current policy. Submit a completed policy application and payment to the new company. As soon as you receive it, safely store the proof of insurance paperwork somewhere easily accessible.
One bit of advice is that you’ll want to compare similar deductibles and liability limits on each quote and and to get rate quotes from as many companies as feasibly possible. Doing this ensures a fair price comparison and and a good selection of different prices.
It’s easy to assume that car insurance companies don’t want you to look for a cheaper policy. Insureds who shop around for cheaper rates will presumably switch to a new company because there is a great chance of finding lower rate quotes. A study showed that consumers who shopped around annually saved over $860 a year as compared to drivers who never shopped around.
If finding the best price on auto insurance is your objective, then having a grasp of how to find companies and compare coverages can make it easier for you to save money.
If you already have coverage or just want cheaper coverage, use these tips to shop for the lowest rates without reducing coverage. Finding and comparing cheaper auto insurance policy in Scottsdale can be fairly easy. Shoppers only have to learn the most efficient way to compare price quotes online.
Informed Consumers Can Cut Their Insurance Costs
An important part of buying insurance is that you know some of the factors that come into play when calculating your policy premiums. If you know what controls the rates you pay, this allows you to make good choices that can earn you big savings. Many different elements are considered when you quote your car insurance policy. Some are pretty understandable like an MVR report, although some other factors are not as apparent like your vehicle usage and annual miles driven.
Listed below are a few of the “ingredients” auto insurance companies consider when setting premiums.
Does auto insurance cost less for gals? – Over the last 30 years, statistics show that women are safer drivers than men. Now that doesn’t mean females are better at driving than males. Men and women cause at-fault accidents in similar percentages, but the male of the species cause more damage. Not only are claims higher, but men receive more major tickets like DWI (DUI) or reckless driving.
Safer cars means cheaper auto insurance rates – Vehicles with good safety scores can get you lower premiums. Safer cars have better occupant injury protection and lower rates of occupant injuries means lower claim amounts and more competitive rates for policyholders.
Your address can impact price – Living in small towns and rural areas has definite advantages if you are looking for the lowest rates. People in densely populated areas regularly have much more traffic and more severe claims. Fewer drivers corresponds to lower accident rates in addition to fewer liability claims.
How much liability coverage – The liability section of your policy provides coverage if you are determined to be liable for causing personal injury or damage in an accident. Liability insurance provides legal defense to defend your case. It is affordable coverage when compared with rates for comp and collision, so drivers should carry high limits.
Discount Scottsdale car insurance quotes
Insurance can cost an arm and a leg, but there are discounts available that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time of purchase, but some discounts are required to be asked about before they will apply.
- Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
- Passive Restraints and Air Bags – Options like air bags or motorized seat belts can receive discounts of 20% or more.
- Early Renewal Discounts – Some companies give discounts for buying a policy early. You may see this discount when you get Scottsdale auto insurance quotes online.
- Homeowners Savings – Just owning your own home can save a few bucks since home ownership shows financial diligence.
- Claim-Free Discount – Insureds with no claims or accidents pay much less when compared with drivers who are more careless.
Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So when it seems like all those discounts means the company will pay you, nobody gets a free ride.
A partial list of companies that possibly offer most of the discounts above may include but are not limited to:
Check with every insurance company which discounts you may be entitled to. Depending on the company, some discounts may not apply to policies in your state. To locate companies that have a full spectrum of discounts in Arizona, click here to view.
Best auto insurance company in Scottsdale
Buying coverage from the right auto insurance provider can be challenging considering how many different insurance companies sell coverage in Scottsdale. The ranking data in the lists below can help you select which auto insurance companies you want to consider when shopping around.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Quote. Compare. Save.
When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where drivers have reduced physical damage coverage and discovered at claim time that they should have had better coverage. The aim is to purchase a proper amount of coverage at the best cost while still protecting your assets.
Discount Volkswagen Atlas insurance in Scottsdale is available from both online companies and from local insurance agents, so get free Scottsdale auto insurance quotes from both of them in order to have the best chance of saving money. Some companies do not offer online price quotes and usually these smaller companies only sell coverage through independent insurance agents.
People switch companies for any number of reasons including being labeled a high risk driver, not issuing a premium refund, an unsatisfactory settlement offer or even delays in responding to claim requests. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.
To learn more, take a look at the articles below:
- Auto Theft Statistics (Insurance Information Institute)
- Who Has the Cheapest Car Insurance for Ride Shares in Scottsdale? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Teen Driver Licensing Information (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)