If you want to save money, the best way to get the cheapest Toyota Yaris insurance is to compare quotes once a year from providers in Scottsdale. Rates can be compared by following these steps.
- Try to comprehend how companies set rates and the things you can control to keep rates low. Many risk factors that cause high rates like speeding and an unacceptable credit rating can be amended by improving your driving habits or financial responsibility. Keep reading for information to get low prices and find available discounts that you may qualify for.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO and Allstate, while agents who are independent can provide prices for a wide range of companies. Compare rates
- Compare the new quotes to your existing coverage to see if you can save by switching companies. If you find a lower rate quote, ensure there is no coverage lapse between policies.
A good tip to remember is to try to compare identical limits and deductibles on each quote and and to get rate quotes from as many different companies as possible. This ensures a fair rate comparison and a complete price analysis.
Unthinkable but true, the vast majority of drivers kept buying from the same company for over three years, and approximately 40% of consumers have never shopped around. American drivers could save approximately 46.5% each year, but they won’t spend time to compare other rate quotes.
Getting a cheap price on Toyota Yaris insurance is a fairly straight forward process. The only thing you need to do is take a couple of minutes to compare rates to discover which company has affordable Toyota Yaris insurance quotes.
It’s so simple to compare car insurance quotes online takes the place of having to spend your day driving to insurance agents’ offices. The ability to get quotes online eliminates the need for an insurance agent unless you prefer the trained guidance only provided by licensed Scottsdale agents. You can, however, comparison shop online but have a local agent actually write the policy.
The providers in the list below have been selected to offer quotes in Arizona. To locate the best auto insurance in Scottsdale, we suggest you visit as many as you can to get the best price comparison.
Scottsdale car insurance discounts
Insurance can be prohibitively expensive, but there could be available discounts that can help lower your rates. Many of these discounts will be applied automatically at quote time, but a few must be asked about prior to getting the savings.
- Discount for Life Insurance – Select car insurance companies reward you with a discount if you purchase a life insurance policy as well.
- Online Discount – Many car insurance companies provide a small discount shop Scottsdale car insurance over the internet.
- Low Mileage – Driving less could qualify for lower premium rates on the low mileage vehicles.
- Anti-theft Discount – Vehicles that have factory anti-theft systems are stolen with less frequency so companies will give you a small discount.
- Distant Student Discount – Youth drivers who are attending college without a vehicle on campus could get you a discount.
- Pay Upfront and Save – By making one initial payment rather than paying monthly you may have a lower total premium amount.
- Discount for New Cars – Insuring a vehicle that is new may earn a small discount because newer models have to meet stringent safety requirements.
- Defensive Driver Discount – Participating in a course that instructs on driving safety can save you 5% or more depending on where you live.
- Government Employee Discount – Employees or retirees of the government could provide a small rate reduction depending on your car insurance provider.
You should keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts should help reduce your policy cost.
The diagram below illustrates the comparison of Toyota Yaris insurance premiums with and without discounts applied to the policy premium. Data assumes a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, safe-driver, marriage, and multi-policy discounts applied.
To locate insurance companies that offer discounts in Arizona, follow this link.
Toyota Yaris insurance statistics and information
The coverage information below highlights detailed analysis of prices for Toyota Yaris models. Knowing how insurance premiums are figured can aid in making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $174 | $386 | $318 | $18 | $96 | $992 | $83 |
| Yaris 4-Dr Hatchback | $174 | $386 | $282 | $16 | $84 | $942 | $79 |
| Yaris 4-Dr Sedan | $174 | $386 | $282 | $16 | $84 | $942 | $79 |
| Yaris S 2-Dr Hatchback | $198 | $386 | $318 | $18 | $96 | $1,016 | $85 |
| Yaris S 4-Dr Hatchback | $198 | $386 | $282 | $16 | $84 | $966 | $81 |
| Yaris S 4-Dr Sedan | $198 | $386 | $282 | $16 | $84 | $966 | $81 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium costs do not factor in your specific Scottsdale location which can change coverage prices substantially.
Raise deductibles and save
One of the most common car insurance questions is how high or low should comp and collision deductibles be. The rates shown below lay out the rate difference when you buy lower versus higher coverage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $202 | $390 | $338 | $20 | $102 | $1,077 | $90 |
| Yaris 4-Dr Hatchback | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Yaris 4-Dr Sedan | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Yaris S 2-Dr Hatchback | $232 | $390 | $338 | $20 | $102 | $1,107 | $92 |
| Yaris S 4-Dr Hatchback | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Yaris S 4-Dr Sedan | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $124 | $246 | $338 | $20 | $102 | $830 | $69 |
| Yaris 4-Dr Hatchback | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Yaris 4-Dr Sedan | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Yaris S 2-Dr Hatchback | $144 | $246 | $338 | $20 | $102 | $850 | $71 |
| Yaris S 4-Dr Hatchback | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Yaris S 4-Dr Sedan | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in your specific Scottsdale location which can change price quotes noticeably.
We can estimate from the data above that using a $250 deductible costs about $21 more each month or $252 every year across all Toyota Yaris models than quoting the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 36 months between claims, you would most likely save money if you elect the higher deductible.
The information below demonstrates how deductible levels and can raise or lower Toyota Yaris annual premium costs for each age group. The rates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.
Car insurance rates are higher with tickets and accidents
The example below illustrates how speeding tickets and fender-benders impact Toyota Yaris auto insurance costs for each different age category. The information is based on a married female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.
Cost comparison with and without full coverage
The diagram below shows the difference between Toyota Yaris insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The rate quotes are based on no claims or driving citations, $1,000 deductibles, drivers are not married, and no discounts are factored in.
Should you pay for full coverage?
There is no clear-cut formula of when to stop paying for full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Toyota Yaris settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $8,000 after the policy deductible has been paid. If premiums are more than $800 a year to have full coverage, then you might consider buying liability only.
There are a few cases where removing full coverage is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not eliminate full coverage.
Insurance is available from agents near you
A small number of people just prefer to buy from a local agent and doing so can bring peace of mind Professional agents will help you protect your assets and give you someone to call. An additional benefit of getting free rate quotes online is that you can obtain lower prices but still work with a licensed agent. And buying from neighborhood agents is still important in Scottsdale.
After filling out this form (opens in new window), your insurance data is submitted to local insurance agents in Scottsdale who can give free rate quotes and help you find cheaper coverage. There is no reason to visit any agencies because quoted prices will be sent to you directly. In the event you want to get a rate quote for a specific company, you just need to jump over to their website and submit a quote form there.
Scottsdale car insurance agents come in two flavors
If you are wanting to find a local Scottsdale insurance agency, it helps to know the two different types of agents and how they can service your needs differently. Insurance policy providers can be categorized as either exclusive agents or independent agents. Either type can properly insure your vehicles, but it’s a good idea to understand the subtle differences since it can affect the kind of agent you use.
Independent Insurance Agents
Independent agencies often have affiliation with several companies so they can write business with lots of companies and find the cheapest rate. To transfer your coverage to a different company, the business is moved internally and you don’t have to find a new agent.
If you need cheaper insurance rates, you will definitely want to get some free quotes from several independent agencies to get the most accurate price comparison.
Listed below are Scottsdale independent insurance agencies that may be able to give competitive price quotes.
Good’s Insurance Agency, Inc. – South West
33725 N Scottsdale Rd #125h – Scottsdale, AZ 85266 – (877) 208-6690 – View Map
Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889 – View Map
Crest Insurance Group, LLC
7900 E Thompson Peak Pkwy # 10 – Scottsdale, AZ 85255 – (480) 860-6453 – View Map
Exclusive Agents
These type of agents normally can only provide a single company’s rates and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot shop your coverage around so you need to shop around if the rates are high. They are trained well on the products they sell which helps them compete with independent agents.
The following are Scottsdale exclusive agents who can help you get price quote information.
Robert Smith – State Farm Insurance Agent
7505 E 6th Ave Ste 204 – Scottsdale, AZ 85251 – (480) 588-6456 – View Map
Denise Knobbe – State Farm Insurance Agent
10814 N Scottsdale Rd – Scottsdale, AZ 85254 – (480) 905-1019 – View Map
Brock T Quinn – State Farm Insurance Agent
8100 E Indian School Rd #102 – Scottsdale, AZ 85251 – (480) 668-3878 – View Map
Choosing a insurance agency should depend on more than just the bottom line cost. These are some valid questions you should ask.
- Are claim adjusters local or do you have to take your car somewhere else?
- Will the agent help in case of a claim?
- How much training do they have in personal risk management?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they offer accident forgiveness?
- Are they giving you every discount you deserve?
- Will the quote change when the policy is issued?
Get More Affordable Insurance Costs by Understanding These Factors
A large part of saving on auto insurance is knowing some of the factors that go into determining your auto insurance rates. If you have a feel for what influences your rates, this allows you to make educated decisions that will entitle you to better auto insurance rates.
The itemized list below are most of the major factors utilized by car insurance companies to help set prices.
Cheaper prices for prior coverage – Driving with no insurance is a misdemeanor and your next policy will cost more because you let your insurance coverage expire. In addition to paying higher rates, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license.
Rates impacted by vehicle usage – The more miles you rack up on your Toyota annually the more it will cost to insure it. A lot of companies calculate rates based on their usage. Autos that sit idle most of the time can get a lower rate than those used for commuting. Having an incorrect usage rating on your Yaris can result in significantly higher rates. Ask your agent if your declarations sheet properly reflects the proper vehicle usage, because it can save money.
Having a spouse can lower premiums – Having a wife or husband may cut your premiums on your policy. Marriage is viewed as being more mature and statistics show married couples file fewer claims.
Combine policies and save – Most insurers apply a discount to customers that buy multiple policies such as combining an auto and homeowners policy. The discount can be five, ten or even twenty percent. Even with this discount, consumers should still check prices from other companies to help ensure you have the lowest rates.There is a good possibility that you can find a better deal by buying auto insurance from a different company.
Toyota Yaris historical loss data – Insurers use past insurance losses to help set a rate to offset losses. Vehicles that statistically have higher prevalence or dollar amount of losses will have higher rates. The table below shows the compiled insurance loss statistics for Toyota Yaris vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, without regard to make or model, equals 100. Values that are below 100 represent a good loss history, while percentage values above 100 point to more frequent losses or a tendency for losses to be larger than average.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Yaris | 94 | 88 | 92 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Auto insurance just makes sense
Despite the fact that auto insurance is not cheap in Scottsdale, buying auto insurance is required for several reasons.
- Most states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability in order to license the vehicle. 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 Toyota Yaris has a lienholder, most banks will require that you have insurance to protect their interest in the vehicle. If the policy lapses, the lender will be forced to insure your Toyota at a more expensive rate and force you to reimburse them a much higher amount than you were paying before.
- Auto insurance preserves both your assets and your vehicle. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of carrying adequate insurance more than cancel out the cost, especially for larger claims. According to a recent study, the average American driver overpays as much as $750 every year so compare quotes from several companies at every policy renewal to be sure current rates are still competitive.
Persistence will pay off
Cheaper car insurance in Scottsdale can be sourced online in addition to many Scottsdale insurance agents, and you should compare rates from both to have the best rate selection. Some car insurance companies may not provide rates over the internet and usually these regional insurance providers only sell coverage through independent agents.
In this article, we presented a lot of tips how to lower your Toyota Yaris insurance auto insurance rates in Scottsdale. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. You may even find the lowest auto insurance rates are with a lesser-known regional company. They often have lower premium rates on specific markets than their larger competitors like State Farm, GEICO and Nationwide.
More detailed car insurance information is available by following these links:
- Teen Driver Licensing Information (iihs.org)
- What Auto Insurance is Cheapest for First-time Drivers in Scottsdale? (FAQ)
- Who Has the Cheapest Car Insurance for Ride Shares in Scottsdale? (FAQ)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Red Light Cameras (State Farm)
- Choosing a Car for Your Teen (State Farm)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)