It’s hard to fathom, but a large majority of drivers in Arizona have purchased from the same company for a minimum of four years, and about 40% of consumers have never even compared quotes to find lower-cost rates. Most drivers in the U.S. could save roughly $859 each year just by getting comparison quotes, but they just don’t understand the actual amount they would save if they bought a different policy.
If saving the most money is your goal, then the best way to get discount car insurance rates in Scottsdale is to start doing an annual price comparison from insurers who can sell car insurance in Arizona. You can compare prices by completing these steps.
First, try to understand how auto insurance works and the factors you can control to prevent high rates. Many policy risk factors that result in higher prices such as traffic citations, accidents, and a not-so-good credit rating can be remedied by making minor changes to your lifestyle. Keep reading for information to get cheaper coverage and get additional discounts.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes from multiple insurance companies.
Third, compare the new rate quotes to your existing rates and determine if there is any savings. If you find a lower rate and change companies, verify that coverage does not lapse between policies.
Fourth, notify your company or agent of your decision to cancel your current coverage and submit a down payment along with a signed application to the new company. Be sure to place the new certificate verifying proof of insurance with your registration paperwork.
The most important part of shopping around is to use the same amount of coverage on each quote and and to get rate quotes from every company you can. This ensures an accurate price comparison and a good representation of prices.
Locating the best insurance company for you in Scottsdale is not rocket science. If you already have coverage or need new coverage, you can use these techniques to reduce the price you pay without reducing coverage. Shoppers just have to use the proper methods to compare rates over the internet.
Finding cheap Dodge Dakota auto insurance prices is actually quite simple. The only requirement is to spend a few minutes comparing price quotes provided by online insurance companies.
Online shopping is fast and free, and it makes it obsolete to spend time driving to insurance agencies in your area. The ability to quote Dodge Dakota insurance online can eliminate the need for a local agent unless your situation requires the professional assistance only provided by licensed Scottsdale agents. However, consumers can get prices online but purchase the actual policy in an agency.
The providers in the list below are our best choices to provide quotes in Scottsdale, AZ. To find the best auto insurance in Scottsdale, we suggest you click on several of them to get a more complete price comparison.
Three reasons to not skimp on auto insurance
Even though it’s not necessarily cheap to insure a Dodge in Scottsdale, buying auto insurance serves several important purposes.
First, almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage in order to be legal. 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.
Second, if you bought your Dodge Dakota with a loan, almost all lenders will make it a condition of the loan that you have insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender may insure your Dodge at an extremely high rate and force you to pay for the much more expensive policy.
Third, insurance protects both your Dodge and your assets. It will also pay for many types of medical costs for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of having insurance greatly outweigh the cost, especially with large liability claims. The average driver in America is overpaying over $700 annually so we recommend shopping around at every policy renewal to make sure the price is not too high.
Dodge Dakota insurance coverage information
The price information shown below showcases different coverage prices for Dodge Dakota models. Understanding more about how car insurance prices are figured can help guide drivers when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Dakota ST Ext Cab 2WD | $174 | $402 | $424 | $26 | $126 | $1,152 | $96 |
| Dakota Bighorn Ext Cab 2WD | $174 | $402 | $424 | $26 | $126 | $1,152 | $96 |
| Dakota Lonestar Ext Cab 2WD | $200 | $402 | $424 | $26 | $126 | $1,178 | $98 |
| Dakota ST Crew Cab 2WD | $200 | $402 | $424 | $26 | $126 | $1,178 | $98 |
| Dakota Bighorn Crew Cab 2WD | $200 | $474 | $424 | $26 | $126 | $1,250 | $104 |
| Dakota Lonestar Crew Cab 2WD | $200 | $474 | $424 | $26 | $126 | $1,250 | $104 |
| Dakota Bighorn Ext Cab 4WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| Dakota ST Ext Cab 4WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| Dakota Laramie Crew Cab 2WD | $224 | $474 | $424 | $26 | $126 | $1,274 | $106 |
| Dakota ST Crew Cab 4WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| Dakota Lonestar Ext Cab 4WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| Dakota Bighorn Crew Cab 4WD | $224 | $402 | $338 | $20 | $102 | $1,086 | $91 |
| Dakota TRX Crew Cab 4WD | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| Dakota TRX Crew Cab 4WD | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| Dakota Lonestar Crew Cab 4WD | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| Dakota Laramie Crew Cab 4WD | $250 | $474 | $338 | $20 | $102 | $1,184 | $99 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can alter rates noticeably.
The diagram below shows how choosing a deductible and can impact Dodge Dakota insurance rates for different categories of driver ages. The premium estimates are based on a married female driver, comp and collision included, and no other discounts are factored in.
Cost of full coverage in Scottsdale
The information below compares Dodge Dakota annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no accidents or driving violations, $250 deductibles, single marital status, and no discounts are taken into consideration.
When to stop paying for full coverage
There is no definitive guideline of when to phase out full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Dodge Dakota book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after paying your policy deductible. If premium cost is more than $500 a year for full coverage, then it might be time to consider dropping full coverage.
There are some situations where removing full coverage is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
Auto insurance discounts are available to get cheap rates
Companies that sell car insurance don’t list all discounts very well, so the list below contains both well-publicized and the harder-to-find discounts that you can inquire about if you buy Scottsdale auto insurance online.
- Student Discounts – This discount can save 20 to 25%. The discount lasts well after school through age 25.
- College Student Discount – Kids living away from Scottsdale attending college and do not have a car can receive lower rates.
- No Claim Discounts – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
- Sign Early and Save – Select larger companies give a discount for switching to them prior to the expiration date on your current Dakota insurance policy. It could save around 10% when you buy Scottsdale auto insurance online.
- Online Discount – A few companies may give you up to $50 simply for signing on their website.
- Low Mileage – Fewer annual miles on your Dodge could earn cheaper auto insurance rates.
As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The chart below shows the comparison of Dodge Dakota insurance premiums with and without policy discounts. The rates are based on a female driver, no accidents or driving violations, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, multi-car, safe-driver, and marriage discounts applied.
A few companies that have these benefits include:
If you need lower rates, check with every company to apply every possible discount. Savings may not be offered everywhere. To see a list of insurance companies that have a full spectrum of discounts in Arizona, click this link.
Local Scottsdale car insurance agents and insurance
Some people just prefer to sit down and talk to an agent and we recommend doing that Most agents can answer important questions and help you file claims. The best thing about comparing rates online is you may find cheap rate quotes and still have an agent to talk to.
To find an agent, once you fill out this form (opens in new window), the quote information is transmitted to companies in Scottsdale who want to provide quotes for your insurance coverage. You don’t have to leave your house since rate quotes are delivered to you directly. If you need to get a price quote from a specific insurance provider, you would need to go to their quote page and complete a quote there.
Choosing a provider requires you to look at more than just the quoted price. Ask your prospective agent these questions:
- Are they full-time agents?
- Where would glass claims be handled in Scottsdale?
- Are there any discounts for paying up front?
- Is there a 24/7 contact number?
- Does the company allow you to choose your own collision repair facility?
- What kind of financial rating does the company have?
- How long has the business existed?
What insurance coverages do I need?
When it comes to the best car insurance coverage, there is no perfect coverage plan. You are unique and your car insurance should unique, too.
These are some specific questions can help discover if your insurance needs might need an agent’s assistance.
- Do all my vehicles need collision coverage?
- Is my state a no-fault state?
- Do they offer discounts for home and auto coverage?
- Is my vehicle covered by my employer’s policy when using it for work?
- Why am I required to buy high-risk coverage?
- Does medical payments coverage apply to all occupants?
- What if I don’t agree with a claim settlement offer?
- Do I have coverage for damage caused while driving under the influence?
- Am I covered when using my vehicle for business?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.
Best car insurance company in Scottsdale
Picking a high-quality insurance provider can be a challenge considering how many choices you have in Scottsdale. The company ratings displayed below can help you decide which companies you want to consider putting your business with.
Top 10 Scottsdale Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Scottsdale Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Quote more and you will save more
While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. In many cases, an insured dropped physical damage coverage to discover at claim time that it was a big error on their part. Your objective should be to get the best coverage possible at the best possible price while not skimping on critical coverages.
Affordable Dodge Dakota insurance in Scottsdale can be sourced on the web as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies may not provide rate quotes online and many times these smaller companies prefer to sell through independent agencies.
You just learned many tips how you can shop for Dodge Dakota insurance online. The key concept to understand is the more rate comparisons you have, the better likelihood of getting cheaper Scottsdale auto insurance quotes. You may even find the best prices are with the smaller companies. Some small companies may only write in your state and offer lower rates compared to the large companies like GEICO and State Farm.
Additional information is located at these links:
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Who Has the Cheapest Car Insurance Rates for a Honda CR-V in Scottsdale? (FAQ)
- What Auto Insurance is Cheapest for High Risk Drivers in Scottsdale? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Business Use in Scottsdale? (FAQ)
- How Much is Scottsdale Auto Insurance for Drivers Over Age 60? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Tread Depth and Tire Safety (State Farm)
- Booster Seat Ratings (iihs.org)
- Liability Insurance Coverage (Nationwide)