The easiest way to save on auto insurance rates is to compare quotes once a year from insurers in Scottsdale.
First, get a basic knowledge of how companies set rates and the steps you can take to prevent expensive coverage. Many things that drive up the price such as accidents, traffic tickets, and an imperfect credit history can be remedied by paying attention to minor details.
Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Allstate, while independent agents can quote prices for a wide range of companies.
Third, compare the new rate quotes to your existing policy to see if a cheaper rate is available in Scottsdale. If you find a better price and switch companies, verify that coverage does not lapse between policies.
An important note is to make sure you enter identical deductibles and limits on every quote request and and to analyze every company you can. Doing this guarantees a fair rate comparison and a complete rate analysis.
Inconceivable but true, most drivers in Arizona have stayed with the same insurance company for at least four years, and just under half have never shopped around. American insurance shoppers could save themselves nearly 47% a year, but they just assume it’s a time-consuming process to save money by comparing rate quotes.
If you have a policy now or want to find a cheaper company, you can follow these tips to shop for the lowest rates without sacrificing coverage. Locating the best rates in Scottsdale is actually very simple if you learn how to start. Vehicle owners just need to use the quickest way to buy car insurance instantly.
Get cheaper Chevy Classic insurance in Scottsdale with discounts
Not too many consumers would say auto insurance is affordable, but you may be missing some discounts to help bring down the price. Certain discounts will be applied when you complete an application, but a few must be specifically requested prior to getting the savings.
- Multiple Vehicles – Buying insurance for primary and secondary vehicles on one policy could earn a price break for each car.
- Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
- Driver’s Education for Students – Teen drivers should take driver’s ed class if it’s offered in school.
- Drive Less and Save – Driving fewer miles may allow you to get substantially lower prices.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save a little on the medical payments or PIP coverage costs.
- Good Students Pay Less – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
- Lower Rates for Military – Being deployed in the military could mean lower auto insurance rates.
- Data Collection Discounts – People who choose to allow driving data submission to monitor when and where they use their vehicle by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
Drivers should understand that some credits don’t apply to the whole policy. Some only apply to individual premiums such as liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, it doesn’t quite work that way.
Some of the larger companies that may offer some of the above discounts include:
When getting a coverage quote, ask each insurance company which discounts you may be entitled to. All car insurance discounts might not apply in your state.
The best way to compare insurance rates from multiple companies is to take advantage of the fact car insurance companies pay for the opportunity to give free rates quotes. The only thing you need to do is provide the companies a bit of rating information such as coverage limits, driver details, if you went to college, and your general credit rating. The data gets transmitted to all major companies and they return quotes immediately.
To start a quote now, click here and complete the quick form.
The following companies have been selected to offer comparison quotes in Scottsdale, AZ. If multiple companies are listed, we suggest you compare several of them in order to find the most competitive rates.
Compare prices but buy from a local Scottsdale insurance agent
Many drivers would prefer to visit with an insurance agent and often times that is recommended Good agents can help determine the best coverages and give you someone to call. One of the great benefits of comparing insurance prices online is you can get cheap auto insurance rates and still buy from a local agent. Supporting local agents is definitely important in Scottsdale.
To help locate an agent, after submitting this short form, the coverage information gets sent to local insurance agents that can provide free Scottsdale auto insurance quotes for your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies since rate quotes are delivered directly to your email. If you need to get a rate quote for a specific company, you just need to search and find their rate quote page and fill out the quote form the provide.
Listed below is a list of auto insurance companies in Scottsdale who can help you get rate quotes for Chevy Classic insurance in Scottsdale.
J B Martin Insurance Agency
4835 E Cholla St – Scottsdale, AZ 85254 – (480) 423-7444 – View Map
Craig Smith – Farmers Insurance – Scottsdale
9332 E Raintree Dr #140 – Scottsdale, AZ 85260 – (480) 657-7906 – View Map
Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map
Scott Knudten – State Farm Insurance Agent
14702 N Frank Lloyd Wright Blvd – Scottsdale, AZ 85260 – (480) 948-8771 – View Map
Choosing an company shouldn’t rely on just the premium amount. These questions are important to ask:
- Are they in the agency full-time?
- What insurance company do they write the most business with?
- Will their companies depreciate repairs to your car based on the mileage?
- Will you work with the agent or an assistant?
- Are they able to influence company decisions when a claim is filed?
Insurance coverages and their meanings
Understanding the coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.
UM/UIM Coverage
Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Classic.
Because many people carry very low liability coverage limits (15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Comprehensive or Other Than Collision
This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as theft, damage from getting keyed, falling objects and fire damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as funeral costs, pain medications, prosthetic devices and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
Liability coverages
Liability coverage protects you from damages or injuries you inflict on a person or their property. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 15/30/10 that means you have $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and $10,000 of coverage for damaged property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things like legal defense fees, emergency aid, medical services and court costs. How much liability should you purchase? That is up to you, but you should buy as much as you can afford. Arizona requires drivers to carry at least 15/30/10 but drivers should carry more liability than the minimum.
The chart below shows why buying low liability limits may not be enough.
Coverage for collisions
This coverage will pay to fix damage to your Classic resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims like sideswiping another vehicle, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible on your Classic to bring the cost down.
More comparisons equals cheap rates
We covered a lot of ways to compare Chevy Classic insurance auto insurance rates in Scottsdale. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding cheaper Scottsdale auto insurance quotes. You may even discover the lowest auto insurance rates are with the least-expected company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.
As you quote Scottsdale auto insurance, you should never buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at a price you can afford and still be able to protect your assets.
Additional articles
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- How Much is Auto Insurance for a Jeep Grand Cherokee in Scottsdale? (FAQ)
- How Much is Scottsdale Car Insurance for Drivers Requiring a SR22? (FAQ)
- How Much is Scottsdale Auto Insurance for Drivers Over Age 60? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Safe Vehicles for Teens (iihs.org)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Car Insurance: When not to Skimp (BankRate.com)