Amazingly, almost 70% of insureds in Arizona kept their coverage with the same car insurance company for more than four years, and about 40% of consumers have never shopped around. Many consumers in the United States could pocket 47% a year, but they don’t understand how simple it is to compare other rate quotes.
If saving the most money is your goal, then the best way to get more affordable auto insurance rates is to make a habit of regularly comparing prices from providers who can sell car insurance in Scottsdale.
Step 1: Spend some time learning about what coverages are included in your policy and the measures you can control to prevent rate increases. Many rating criteria that increase rates such as speeding and a substandard credit history can be controlled by paying attention to minor details.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agencies can provide prices from multiple sources. Find a Scottsdale insurance agent
Step 3: Compare the new quotes to the premium of your current policy to see if cheaper Genesis coverage is available. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.
Step 4: Give notification to your current company to cancel your existing policy. Submit the completed application along with a down payment to the new insurer. Immediately safely store the certificate verifying coverage in an easily accessible location.
One piece of advice is that you use similar coverage information on every quote request and and to get quotes from as many different insurance providers as possible. Doing this guarantees an apples-to-apples comparison and a thorough price selection.
Lower-cost Hyundai Genesis insurance quotes in Scottsdale
Car insurance is easily one of your largest bills, but you may be missing some discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be requested specifically before they will apply.
- Auto/Life Discount – Not all car insurance companies offer life insurance, but some may give you lower rates if you buy auto and life insurance together.
- Defensive Driver Discount – Taking part in a course in defensive driver is a good idea and can lower rates depending on where you live.
- More Vehicles More Savings – Purchasing coverage when you have multiple cars on one policy qualifies for this discount.
- Home Ownership Discount – Owning a home in Scottsdale can get you a discount since home ownership requires a higher level of personal finance.
- Air Bags and Passive Restraints – Cars that have air bags can receive discounts up to 30%.
- Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
- Student Discount for Driver Training – It’s a good idea to have your young drivers successfully take a driver’s education course as it can save substantially.
- Mature Driver Discount – Seniors may receive a small discount on rates.
- Bundle and Save – If you insure your home and vehicles and insure them both with the same insurance company you will save up to 20% and get you low cost Hyundai Genesis insurance.
Discounts lower rates, but most discount credits are not given to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, it doesn’t quite work that way.
The example below illustrates the difference between Hyundai Genesis insurance rates with and without discounts applied to the premium. The information is based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, safe-driver, homeowner, and multi-policy discounts applied.
The best car insurance companies and some of the premium reductions they offer can be found below.
- State Farm may offer discounts for multiple autos, student away at school, accident-free, Steer Clear safe driver discount, and Drive Safe & Save.
- American Family may have discounts that include multi-vehicle, accident-free, mySafetyValet, TimeAway discount, early bird, good student, and Steer into Savings.
- AAA includes discounts for anti-theft, good student, multi-car, education and occupation, multi-policy, good driver, and AAA membership discount.
- GEICO policyholders can earn discounts including anti-theft, anti-lock brakes, federal employee, emergency military deployment, and good student.
- Mercury Insurance offers premium reductions for annual mileage, anti-theft, age of vehicle, accident-free, and ease of repair.
- Farmers Insurance may include discounts for homeowner, teen driver, good student, alternative fuel, pay in full, bundle discounts, and business and professional.
- Progressive offers discounts for continuous coverage, multi-vehicle, online signing, online quote discount, and good student.
It’s a good idea to ask each company or agent how many discounts you can get. Some discounts listed above may not apply in your area.
Finding Hyundai Genesis insurance in Scottsdale
When quoting car insurance, remember that obtaining a wide range of quotes helps improve the odds of finding lower pricing. Some companies don’t provide rate quotes online, so it’s important to also get quotes from them as well.
The companies in the list below are our best choices to provide price quotes in Arizona. In order to find cheap auto insurance in Scottsdale, we recommend you get price quotes from several of them in order to get a fair rate comparison.
Insurance coverage details
The coverage table shown next outlines a range of insurance policy prices for Hyundai Genesis models. Being more informed about how insurance premiums are calculated helps drivers make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $256 | $608 | $454 | $26 | $136 | $1,480 | $123 |
| Genesis 3.8 4-Dr Sedan | $286 | $528 | $308 | $18 | $92 | $1,232 | $103 |
| Genesis 2.0T Premium 2-Dr Coupe | $286 | $608 | $454 | $26 | $136 | $1,510 | $126 |
| Genesis 3.8 2-Dr Coupe | $286 | $608 | $454 | $26 | $136 | $1,510 | $126 |
| Genesis 2.0T Track 2-Dr Coupe | $286 | $608 | $454 | $26 | $136 | $1,510 | $126 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $286 | $608 | $454 | $26 | $136 | $1,510 | $126 |
| Genesis 4.6 4-Dr Sedan | $286 | $608 | $308 | $18 | $92 | $1,312 | $109 |
| Genesis 3.8 Track 2-Dr Coupe | $286 | $688 | $454 | $26 | $136 | $1,590 | $133 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Information does not factor in vehicle location which can alter rates considerably.
Auto insurance deductibles
One of the more difficult decisions when buying auto insurance is where to set your physical damage deductibles. The tables below can help you visualize the price difference between high and low physical damage coverage deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $262 | $530 | $374 | $22 | $112 | $1,325 | $110 |
| Genesis 3.8 4-Dr Sedan | $292 | $460 | $254 | $16 | $76 | $1,123 | $94 |
| Genesis 2.0T Premium 2-Dr Coupe | $292 | $530 | $374 | $22 | $112 | $1,355 | $113 |
| Genesis 3.8 2-Dr Coupe | $292 | $530 | $374 | $22 | $112 | $1,355 | $113 |
| Genesis 2.0T Track 2-Dr Coupe | $292 | $530 | $374 | $22 | $112 | $1,355 | $113 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $292 | $530 | $374 | $22 | $112 | $1,355 | $113 |
| Genesis 4.6 4-Dr Sedan | $292 | $530 | $254 | $16 | $76 | $1,193 | $99 |
| Genesis 3.8 Track 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 |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $162 | $334 | $374 | $22 | $112 | $1,004 | $84 |
| Genesis 3.8 4-Dr Sedan | $180 | $290 | $254 | $16 | $76 | $816 | $68 |
| Genesis 2.0T Premium 2-Dr Coupe | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Genesis 3.8 2-Dr Coupe | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Genesis 2.0T Track 2-Dr Coupe | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Genesis 4.6 4-Dr Sedan | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| Genesis 3.8 Track 2-Dr Coupe | $180 | $376 | $374 | $22 | $112 | $1,064 | $89 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Prices do not factor in specific Scottsdale garaging location which can modify premiums substantially.
Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $27 more each month or $324 a year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 28 months between claims, you would probably be better off going with the higher deductible.
Poor driving habits will raise your auto insurance rates
The information below demonstrates how citations and at-fault accidents impact Hyundai Genesis auto insurance costs for each age group. The costs are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
Get rate quotes but still have a local Scottsdale insurance agent
A small number of people would prefer to sit down with an agent and we recommend doing that The biggest benefit of comparing rates online is the fact that you can find better rates and still buy from a local agent. And supporting neighborhood agents is still important in Scottsdale.
To find an agent, once you fill out this quick form, the quote information is transmitted to participating agents in Scottsdale who will return price quotes for your coverage. It’s much easier because you don’t need to contact any agents because quoted prices will be sent to you. Get lower rates AND an agent nearby. If you have a need to get a comparison quote from one company in particular, feel free to visit that company’s website to submit a rate quote request.
Types of car insurance agents
If you’re trying to find a reliable insurance agent, you need to know there are two types of insurance agents and how they function. Insurance agencies in Scottsdale are classified as either exclusive or independent (non-exclusive).
Independent Insurance Agents
These type of agents can quote rates with many companies and that is an advantage because they can write policies with lots of companies and get the cheapest rates. If you want to switch companies, they can switch companies in-house and you stay with the same agent.
If you are trying to find cheaper rates, you definitely need to get some free quotes from independent agents in order to compare the most rates. They often place coverage with smaller companies which could offer lower prices.
Shown below is a list of independent agents in Scottsdale that can give you free insurance quotes.
- Hartford Insurance Agent
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 – View Map - Arizona Insurance Services
7950 E Acoma Dr # 205 – Scottsdale, AZ 85260 – (480) 778-9700 – View Map - Greene Insurance Group
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 – View Map
Exclusive Insurance Agents
Exclusive agencies write business for a single company like American Family, State Farm, and Allstate. Exclusive agencies are unable to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on their company’s products which can be an advantage. A lot of people purchase coverage from exclusives mainly due to high brand loyalty rather than low rates.
Below is a list of exclusive insurance agencies in Scottsdale willing to provide price quotes.
- Roz Bankston – State Farm Insurance Agent
6900 E Camelback Rd #820 – Scottsdale, AZ 85251 – (480) 897-6500 – 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 - American Family Insurance – Denis Zdrale
7001 N Scottsdale Rd #1045 – Paradise Valley, AZ 85253 – (480) 951-0115 – View Map
Finding the right insurance agent requires more thought than just the bottom line cost. Agents should be asked these questions:
- Are there any discounts for paying up front?
- Will high miles depreciate repair valuations?
- What company holds the largest book of business for them?
- Do they have cheaper tiers of coverage?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How long have they worked with personal auto insurance coverage?
- Do they assist clients in filing claims?
Car insurance company ratings
Buying coverage from the top insurer can be challenging considering how many different companies insure vehicles in Scottsdale. The rank data shown next can help you decide which auto insurance companies you want to consider shopping prices with.
Top 10 Scottsdale Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
In conclusion
People leave their current company for any number of reasons including poor customer service, being labeled a high risk driver, policy cancellation or denial of a claim. It doesn’t matter why you want to switch finding a great new company can be pretty painless.
As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. There are many occasions where an accident victim reduced full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
Budget-friendly insurance in Scottsdale can be bought online in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. A few companies may not provide online rate quotes and most of the time these regional insurance providers provide coverage only through independent insurance agents.
Additional detailed information can be read in the articles below:
- Understanding Car Crashes Video (iihs.org)
- What Car Insurance is Cheapest for a Chevrolet Equinox in Scottsdale? (FAQ)
- How Much is Car Insurance for a Chevrolet Silverado in Scottsdale? (FAQ)
- How Much are Auto Insurance Quotes for Used Cars in Scottsdale? (FAQ)
- Who Has Affordable Scottsdale Auto Insurance for Low Income Drivers? (FAQ)
- What Insurance is Cheapest for Postal Workers in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance Rates for 19 Year Olds in Scottsdale? (FAQ)
- Who Has Affordable Scottsdale Auto Insurance for a Subaru Outback? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Auto Crash Statistics (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)
- A Tree Fell on Your Car: Now What? (Allstate)