If you want to find the absolute lowest rates, then the best way to find better pricing on car insurance rates is to start comparing prices regularly from different companies in Scottsdale. Prices can be compared by following these guidelines.
- Step 1: Learn about how companies price auto insurance and the things you can change to prevent expensive coverage. Many things that drive up the price such as speeding tickets, accidents and a poor credit rating can be eliminated by improving your driving habits or financial responsibility. This article provides ideas to help reduce prices and find missing discounts.
- Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO or State Farm, while independent agents can provide rate quotes from multiple sources.
- Step 3: Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate. If you can save some money and switch companies, make sure there is no lapse in coverage.
The most important part of shopping around is to make sure you’re comparing identical coverage information on each quote and and to analyze as many car insurance companies as possible. Doing this provides the most accurate price comparison and the best price selection.
Unbelievable but true, almost 70% of drivers in Arizona kept their policy with the same company for a minimum of four years, and about 40% of consumers have never compared rate quotes at all. U.S. drivers can save hundreds of dollars each year, but they just don’t understand the actual amount they would save if they swap their current policy for a cheaper one.
Quoting and comparing rates for the lowest-priced protection in Scottsdale can be fairly easy. If you are already insured or just want to reduce your rates, follow these tips to reduce the price you pay and possibly find even better coverage. Consumers just have to understand the tricks to shop for insurance online from multiple companies.
Lowering your auto insurance rates isn’t really that difficult. Consumers just need to take a few minutes comparing free Scottsdale car insurance quotes provided by online insurance companies.
The car insurance companies shown below can provide price comparisons in Arizona. To buy cheaper car insurance in Scottsdale, we recommend you click on several of them to get the most competitive price.
Rates and detailed analysis
The information shown next highlights different insurance rates for Chevy Cobalt models. Learning more about how premiums are established is important for making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $164 | $370 | $338 | $20 | $102 | $994 | $83 |
| Cobalt XFE 4-Dr Sedan | $164 | $370 | $338 | $20 | $102 | $994 | $83 |
| Cobalt LS 2-Dr Coupe | $188 | $370 | $374 | $22 | $112 | $1,066 | $89 |
| Cobalt XFE 2-Dr Coupe | $188 | $370 | $374 | $22 | $112 | $1,066 | $89 |
| Cobalt LT 4-Dr Sedan | $188 | $370 | $338 | $20 | $102 | $1,018 | $85 |
| Cobalt LT 2-Dr Coupe | $212 | $370 | $374 | $22 | $112 | $1,090 | $91 |
| Cobalt SS Turbo 2-Dr Coupe | $236 | $484 | $374 | $22 | $112 | $1,228 | $102 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price information does not factor in Scottsdale location which can revise premium rates significantly.
Policy deductible comparison
The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The figures shown below may help to illustrate the difference in cost between low and high physical damage coverage deductibles. The first data set uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $202 | $460 | $338 | $20 | $102 | $1,147 | $96 |
| Cobalt XFE 4-Dr Sedan | $202 | $460 | $338 | $20 | $102 | $1,147 | $96 |
| Cobalt LS 2-Dr Coupe | $232 | $460 | $374 | $22 | $112 | $1,225 | $102 |
| Cobalt XFE 2-Dr Coupe | $232 | $460 | $374 | $22 | $112 | $1,225 | $102 |
| Cobalt LT 4-Dr Sedan | $232 | $460 | $338 | $20 | $102 | $1,177 | $98 |
| Cobalt LT 2-Dr Coupe | $262 | $460 | $374 | $22 | $112 | $1,255 | $105 |
| Cobalt SS Turbo 2-Dr Coupe | $292 | $600 | $374 | $22 | $112 | $1,425 | $119 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $124 | $290 | $338 | $20 | $102 | $874 | $73 |
| Cobalt XFE 4-Dr Sedan | $124 | $290 | $338 | $20 | $102 | $874 | $73 |
| Cobalt LS 2-Dr Coupe | $144 | $290 | $374 | $22 | $112 | $942 | $79 |
| Cobalt XFE 2-Dr Coupe | $144 | $290 | $374 | $22 | $112 | $942 | $79 |
| Cobalt LT 4-Dr Sedan | $144 | $290 | $338 | $20 | $102 | $894 | $75 |
| Cobalt LT 2-Dr Coupe | $162 | $290 | $374 | $22 | $112 | $960 | $80 |
| Cobalt SS Turbo 2-Dr Coupe | $180 | $376 | $374 | $22 | $112 | $1,064 | $89 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Estimates do not factor in specific Scottsdale garaging location which can change premiums significantly.
Based on the above data, using a $250 deductible costs an average of $25 more each month or $300 for a full year than opting for the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 30 months between claim filings, you would probably be better off going with the higher deductible. The numbers below show how you can perform this determination yourself.
| Average monthly premium for $250 deductibles: | $103 |
| Average monthly premium for $1,000 deductibles (subtract): | – $78 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
An important sidenote is that a higher deductible results in having to pay to pay more out-of-pocket if you have a claim. That will necessitate access to more funds in order to pay more for the deductible.
Careless driving habits raise car insurance rates
The chart below shows how traffic citations and at-fault accidents raise Chevy Cobalt insurance prices for each different age category. The rates are based on a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
Comparison of car insurance rates by gender and age
The information below shows the comparison of Chevy Cobalt insurance rates for male and female drivers. The data assumes no claims or violations, comp and collision included, $250 deductibles, single status, and no additional discounts are factored in.
Cost difference between full coverage and liability
The information below compares Chevy Cobalt insurance prices with and without full coverage. The premium estimates are based on no claims or violations, $1,000 deductibles, drivers are single, and no discounts are applied.
When to drop full coverage
There is no definitive rule of when to exclude comp and collision coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Chevy Cobalt claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after the policy deductible has been paid. If premiums are more than $800 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are a few cases where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
It may be expensive, but it’s not optional
Despite the high cost, insuring your vehicle serves a purpose in several ways.
- Most states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage if you don’t want to risk a ticket. 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 your Cobalt has a loan, most lenders will force you to have full coverage to guarantee loan repayment. If you let the policy lapse, the bank will be required to insure your Chevy at a much higher premium rate and make you pay much more than you were paying before.
- Insurance safeguards not only your Chevy Cobalt but also your financial assets. Insurance will also pay for most medical and hospital costs incurred in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of having insurance more than cancel out the cost, specifically if you ever have a liability claim. An average driver in America is wasting up to $800 each year so it’s very important to do a rate comparison every year to save money.
What Affects Chevy Cobalt Insurance Premiums?
Many different elements are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, although others are more obscure such as your marital status or your commute time.
Shown below are just a few of the factors used by your company to calculate your rate level.
Premiums drop with age – Older, more experienced drivers are viewed as being more responsible, tend to cause fewer accidents, and are generally more financially stable. Teen drivers are statistically proven to be inattentive in a vehicle so they pay higher auto insurance rates.
The chart below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Low coverage deductibles mean high premiums – Physical damage insurance, also called ‘full coverage’, helps pay for damage to your vehicle. Examples of covered claims would be collision with another vehicle, damage from fire, and having your car stolen. The deductibles represent how much money you are willing to pay out-of-pocket before your auto insurance pays a claim. The more damage repair cost you have to pay, the better rate you will receive.
Auto insurance policy lapses increase rates – Driving with no insurance is a big no-no and any future policy may cost more because you let your insurance lapse for non-payment. And not only will your rates increase, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license.
Qualify for multi-policy discounts – Most auto insurance companies afford a discount to buyers that buy multiple policies in the form of a multi-policy discount. Even though this discount sounds good, consumers should still get quotes from other companies to help guarantee you have the best rates. Consumers may save even more by insuring with multiple companies.
Alarms and GPS tracking lower auto insurance rates – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft.
Frequent claims will cost you more – Companies in Arizona give discounts to policyholders that do not abuse their auto insurance. If you tend to file frequent claims, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Low mileage costs less – The higher the mileage driven each year the higher the price you pay to insure it. A lot of companies charge to insure your cars partially by how you use the vehicle. Autos that sit idle most of the time cost less to insure as compared to vehicles used primarily for driving to work. Verify your auto insurance declarations sheet is rated on the proper vehicle usage. Having the wrong rating on your Cobalt can cost quite a bit.
Save money with these discounts
Some insurance providers don’t list every discount very well, so the following is a list of both the well known and also the lesser-known discounts that you can inquire about if you buy Scottsdale car insurance online.
- Telematics Data Discounts – Drivers that enable data collection to spy on when and where they use their vehicle by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they exhibit good driving behavior.
- Senior Citizens – Mature drivers may qualify for a small decrease in premiums.
- Student Discounts – A discount for being a good student may save as much as 25% on a Scottsdale car insurance quote. This discount can apply up until you turn 25.
- Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving may be able to save a few bucks off the medical payments premium.
- Multi-Vehicle Discounts – Insuring several vehicles with the same company can get a discount on all vehicles.
- Lower Rates for Military – Having a family member in the military can result in better prices.
- Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if it’s offered in school.
- Discounts for Cautious Drivers – Safe drivers can save up to 40% or more on their Scottsdale car insurance quote compared to rates paid by drivers with frequent claims.
Please keep in mind that most credits do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The diagram below illustrates the comparison of Chevy Cobalt car insurance costs with and without discounts applied to the premium. The data assumes a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, homeowner, safe-driver, and multi-car discounts applied.
To find car insurance companies who offer cheap Chevy Cobalt insurance quotes in Scottsdale in Arizona, click here to view.
Local Scottsdale car insurance agents
Certain consumers prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Licensed agents can help you choose the best coverages and help submit paperwork. The best thing about getting online price quotes is you may find the lowest rates and still have a local agent. And supporting small agencies is especially important in Scottsdale.
After completing this short form, your insurance data is submitted to agents in your area that can provide free Scottsdale car insurance quotes for your car insurance coverage. You don’t have to even leave your home since rate quotes are delivered to the email address you provide. If you wish to quote rates from one company in particular, you would need to visit that company’s website and complete a quote there.
Different types of auto insurance agents in Scottsdale
If you are searching for a local agent, you need to know there are two different types of agents from which to choose. Agents are either independent or exclusive. Either one can sell affordable car insurance policies, but it’s important to know how they are different because it can impact the type of agent you choose.
Independent Agents (or Brokers)
These type of agents are normally appointed by many insurers so as a result can place your coverage through many companies and help determine which has the cheapest rates. If you want to switch companies, they simply move the coverage in-house and you don’t have to find a new agent. When comparing car insurance prices, you definitely need to get insurance quotes from multiple independent agents so that you can do a thorough price comparison. Most independent agents also contract with smaller mutual companies which may provide better rates.
Shown below is a partial list of independent agents in Scottsdale who may provide free car insurance rate quotes.
- Bennett and Porter Insurance | Wealth Management
3200 N Hayden Rd #310 – Scottsdale, AZ 85251 – (480) 212-1150 – View Map - Citywide Insurance
13802 N Scottsdale Rd #106 – Scottsdale, AZ 85254 – (480) 607-7537 – View Map - Hartford Insurance Agent
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 – View Map
Exclusive Agencies
Exclusive agencies can usually just insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so keep that in mind. They are trained well on their company’s products which helps overcome the inability to quote other rates. Consumers sometimes buy from exclusive agents primarily because of the prominence of the brand and the convenience of having all coverages with one company.
Below are Scottsdale exclusive insurance agents that can give you price quotes.
- American Family Insurance – Winston Vineyard Agency LLC
9280 E Raintree Dr Ste 103 – Scottsdale, AZ 85260 – (480) 951-8890 – View Map - State Farm: Jeremy Mueller
23341 N Pima Rd D139, Scottsdale 85255 – 23341 N Pima Rd D139, AZ 85255 – (480) 515-5223 – View Map - State Farm: Randy Mueller
10575 N 114th St – Scottsdale, AZ 85259 – (480) 391-9390 – View Map
Deciding on an auto insurance agent shouldn’t rely on just a low price. Before buying a policy in Scottsdale, get answers to these questions.
- Will high miles depreciate repair valuations?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Will they take your side in the event of a claim?
- Are they paid to recommend certain coverages?
- Which members of your family are coverage by the policy?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agency have a good rating with the Better Business Bureau?
- Which company do they place the most coverage with?
Best auto insurance in Scottsdale
Picking the best auto insurance provider is difficult considering how many choices drivers have in Scottsdale. The ranking information shown next could help you choose which providers to look at when looking for cheaper rates.
| 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
More effort can pay off
Consumers switch companies for any number of reasons including being labeled a high risk driver, unfair underwriting practices, questionable increases in premium or even policy cancellation. Whatever your reason, finding the right insurance provider can be less work than you think.
As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. In many instances, an accident victim reduced liability limits or collision coverage only to find out that they should have had better coverage. Your aim should be to get the best coverage possible at the best cost.
We’ve covered a lot of tips how to reduce Chevy Cobalt insurance car insurance rates online in Scottsdale. It’s most important to understand that the more rate quotes you have, the higher your chance of finding affordable Scottsdale car insurance quotes. You may even find the lowest car insurance rates come from a small mutual company.
Helpful articles
- Reducing Your Risks in a Car Crash Video (iihs.org)
- What Insurance is Cheapest for a Toyota Corolla in Scottsdale? (FAQ)
- How Much is Scottsdale Auto Insurance for Drivers Over Age 60? (FAQ)
- Safety Features for Your New Car (State Farm)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- What is Gap Insurance? (Insurance Information Institute)
- Drunk Driving Statistics (Insurance Information Institute)