Want to learn how to save money and find lower-priced auto insurance rates in Scottsdale, AZ? Nobody I know is fond of buying auto insurance, in particular when the prices are way too high.
Remarkably, a study showed that about 70% of customers kept their policy with the same company for well over three years, and nearly the majority have never shopped around. Most drivers in the U.S. could cut their rates by as much as $850 a year just by shopping around, but they just feel it’s too hard to compare rate quotes. Insurance companies such as Progressive, State Farm and GEICO all promote huge savings with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and do the work needed to find the best deal.
Consumers need to take a look at other company’s rates once or twice a year because insurance rates change regularly. Just because you had the best deal on auto insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the best way to save money, get proper coverage and the best rates.
| Make, Model, and Trim Level | Annual Policy Premium | 6-month Policy Premium | Monthly Premium |
|---|---|---|---|
| Chevrolet Colorado LT Crew Cab 4WD | $960 | $480 | $80 |
| Chevrolet Silverado LT Extended Cab 2WD | $1,076 | $538 | $90 |
| Dodge Ram Crew Cab SLT 4WD | $1,202 | $601 | $100 |
| Ford Escape Limited 4WD | $960 | $480 | $80 |
| Ford F-150 Lariat Crew Cab 4WD | $1,052 | $526 | $88 |
| Ford Focus S 4-Dr Sedan | $994 | $497 | $83 |
| GMC Sierra SLE Crew Cab 2WD | $1,022 | $511 | $85 |
| Honda Accord EX 4-Dr Sedan | $864 | $432 | $72 |
| Honda CR-V LX 2WD | $864 | $432 | $72 |
| Honda Civic LX-S 4-Dr Sedan | $1,062 | $531 | $89 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,062 | $531 | $89 |
| Hyundai Sonata SE 4-Dr Sedan | $1,144 | $572 | $95 |
| Kia Optima LX | $1,076 | $538 | $90 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,242 | $621 | $104 |
| Nissan Rogue S 2WD | $1,076 | $538 | $90 |
| Toyota Camry XLE | $1,090 | $545 | $91 |
| Toyota Corolla S | $1,090 | $545 | $91 |
| Toyota RAV4 2WD | $1,022 | $511 | $85 |
| Get Rate Quotes for Your Vehicle Go | |||
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in specific garaging location which can raise or lower auto insurance rates substantially.
The easiest way to compare car insurance rates is to realize car insurance companies actually pay money for the chance to quote your coverage. The only thing you need to do is provide information such as if you require a SR-22, if you’re married, your education level, and whether your vehicle is owned or leased. The data is automatically sent to insurance carriers in your area and you should receive rate quotes with very little delay.
If you would like to compare rates now, click here and complete the quick form.
The providers in the list below are our best choices to provide price quotes in Scottsdale, AZ. If you want to find the cheapest auto insurance in Arizona, we recommend you get price quotes from several of them in order to find the most affordable rates.
Get lower-cost rates by understanding these factors
Part of the auto insurance buying process is learning a few of the rating criteria that come into play when calculating auto insurance rates. When consumers understand what influences your rates, this allows you to make educated decisions that may result in better auto insurance rates.
Shown below are some of the most rate-impacting factors used by your company to calculate premiums.
Your employer may affect rates – Careers like military personnel, business owners, and financial analysts tend to have higher premiums than the average policyholder in part from high stress and long work days. On the flip side, occupations like farmers, students and homemakers pay lower than average rates.
Youthful drivers cost more – Older, more experienced drivers have been proven to be more responsible, cost insurance companies less in claims, and are safer drivers. Beginning drivers are known to be more careless when driving with friends therefore auto insurance rates are much higher.
Get a ticket, pay higher prices – Only having one citation may increase your cost substantially. Good drivers have lower premiums than bad drivers. Drivers who get careless citations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to complete a SR-22 with the DMV in their state in order to keep their license.
Know your credit rating – Having a bad credit score is a large factor in your rate calculation. Therefore, if your credit history leaves room for improvement, you could save money insuring your vehicle by spending a little time repairing your credit. Drivers with good credit tend to be less risk to insure than those with lower ratings.
Drive less and save – The more miles you rack up on your car in a year the higher your rates will be. Many insurance companies charge to insure your cars partially by how you use the vehicle. Vehicles that sit idle most of the time receive lower rates compared to those used for work or business. It’s a good idea to make sure your auto insurance policy correctly shows the proper vehicle usage, because improper ratings can cost you money.
Urban areas may pay more – Choosing to live in a small town can be a good thing when it comes to auto insurance. Less people living in that area corresponds to lower accident rates and also fewer theft and vandalism claims. Residents of big cities regularly have more aggressive driving styles and higher rates of accident claims. Longer commute distances means higher likelihood of an accident.
Compare rates if you consolidate your policies – The majority of auto insurance companies afford discounts for people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to shop around to guarantee you are still saving the most. Consumers may find a better deal even if you insure with multiple companies
Why you need insurance for your vehicle
Despite the fact that insurance is not cheap in Scottsdale, insurance is most likely required but also gives you several important benefits.
- Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your vehicle, almost every bank will require that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may insure your vehicle at a significantly higher premium and force you to pay much more than you were paying before.
- Insurance protects not only your car but also your assets. It also can pay for all forms of medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance more than offset the price you pay, particularly for liability claims. The average driver in Arizona overpays as much as $865 each year so we recommend shopping around each time the policy renews to make sure the price is not too high.