The best way we recommend to find low-cost auto insurance rates is to start comparing prices yearly from insurance carriers that sell auto insurance in Scottsdale. Drivers can shop around by following these guidelines.
Step 1: Take a few minutes and learn about how companies price auto insurance and the things you can control to prevent rate increases. Many rating factors that cause high rates such as accidents, careless driving, and bad credit can be improved by being financially responsible and driving safely.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO and State Farm, while agents who are independent can quote rates for a wide range of companies.
Step 3: Compare the new rate quotes to your existing coverage and determine if cheaper Panamera coverage is available. If you find a lower rate quote and decide to switch, ensure there is no coverage lapse between policies.
Step 4: Tell your current company of your intent to cancel your current policy. Submit the required down payment along with the signed application for the new policy. As soon as you can, keep your new certificate of insurance in an easily accessible location in your vehicle.
A key point to remember is to use the same amount of coverage on every quote and and to look at as many car insurance companies as possible. Doing this guarantees an apples-to-apples comparison and a complete selection of prices.
Amazingly, a large majority of drivers in Arizona renewed their policy with the same company for a minimum of four years, and nearly half have never compared rates with other companies. American consumers can save hundreds of dollars each year, but most undervalue how much savings they would realize if they switched.
Car insurance policy discounts you can’t miss
Some companies don’t always publicize all discounts very clearly, so we took the time to find a few of the more well known and the more hidden discounts you could be receiving when you buy Scottsdale auto insurance online.
- Discount for New Cars – Insuring a vehicle that is new may earn a small discount because new model year vehicles are generally safer.
- First Accident Forgiveness – Not really a discount, but a few companies such as Allstate and State Farm will turn a blind eye to one accident before your rates go up if you are claim-free for a certain period of time.
- Telematics Data – Policyholders that allow their car insurance company to track driving manner remotely such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
- Discount for Home Ownership – Simply owning a home can earn you a little savings because owning a home shows financial diligence.
- Pay Upfront and Save – If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
- Good Student – Getting good grades can save 20 to 25%. The good student discount can last up until you turn 25.
Please keep in mind that some of the credits will not apply to the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.
The diagram below illustrates the comparison of Porsche Panamera insurance rates with and without discounts applied to the premium. The information is based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, homeowner, multi-car, and safe-driver discounts applied.
A few popular companies and a selection of discounts are detailed below.
- State Farm may include discounts for driver’s education, safe vehicle, student away at school, good student, and anti-theft.
- GEICO has discounts for good student, anti-lock brakes, five-year accident-free, driver training, seat belt use, and military active duty.
- Liberty Mutual offers discounts for newly married, new graduate, hybrid vehicle, preferred payment discount, new move discount, and safety features.
- The Hartford includes discounts for anti-theft, vehicle fuel type, defensive driver, bundle, and good student.
- MetLife discounts include claim-free, defensive driver, good driver, multi-policy, accident-free, and good student.
- Progressive offers premium reductions for online signing, online quote discount, continuous coverage, multi-policy, good student, and multi-vehicle.
If you want affordable Scottsdale auto insurance quotes, ask every insurance company to give you their best rates. All car insurance discounts might not apply in every state. To view companies that can offer you the previously mentioned discounts in Scottsdale, click here.
How to get free Porsche Panamera insurance quotes online
It’s important to know that making a lot of price comparisons will improve the odds of getting the best offered rates.
The providers in the list below have been selected to offer quotes in Arizona. If you want cheap car insurance in Scottsdale, we recommend you click on several of them in order to get a fair rate comparison.
Rates and data analysis
The premium information shown below highlights a range of insurance rates for Porsche Panamera models. Learning more about how insurance rates are determined can help customers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Panamera S 4-Dr Hatchback | $394 | $864 | $314 | $18 | $94 | $1,684 | $140 |
| Panamera 4S AWD 4-Dr Hatchback | $394 | $944 | $314 | $18 | $94 | $1,764 | $147 |
| Panamera Turbo AWD 4-Dr Hatchback | $450 | $1108 | $314 | $18 | $94 | $1,984 | $165 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate information does not factor in vehicle location which can revise rates substantially.
Physical damage deductible comparison
One frequently asked question is which deductibles should you choose. The premium rates below may help to conceptualize how much more rates are between high and low insurance deductibles. The first set of prices uses a $100 physical damage deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Panamera S 4-Dr Hatchback | $458 | $882 | $300 | $18 | $90 | $1,773 | $148 |
| Panamera 4S AWD 4-Dr Hatchback | $458 | $964 | $300 | $18 | $90 | $1,855 | $155 |
| Panamera Turbo AWD 4-Dr Hatchback | $524 | $1130 | $300 | $18 | $90 | $2,087 | $174 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Panamera S 4-Dr Hatchback | $334 | $596 | $300 | $18 | $90 | $1,338 | $112 |
| Panamera 4S AWD 4-Dr Hatchback | $334 | $652 | $300 | $18 | $90 | $1,394 | $116 |
| Panamera Turbo AWD 4-Dr Hatchback | $382 | $764 | $300 | $18 | $90 | $1,554 | $130 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific location which can decrease or increase auto insurance rates significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $40 more each month or $480 a year averaged for all Panamera models than choosing the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 10 months between claim filings, you would probably come out ahead if you decide on a higher deductible. Here is how you can come to your own conclusion.
| Average monthly premium for $100 deductibles: | $159 |
| Average monthly premium for $500 deductibles (subtract): | – $119 |
| Monthly savings from raising deductible: | $40 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $40 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 10 months |
One important caveat is that higher deductibles results in having to pay to pay more out-of-pocket if you have a claim. That will necessitate some money saved in the event you need to pay more for the deductible.
The diagram below illustrates how choosing a deductible and can raise or lower Porsche Panamera annual premium costs for each age group. The data is based on a married male driver, full coverage, and no discounts are factored in.
You may want advice from an agent
Many people would rather buy from a local agent and that can be a great decision The best thing about comparing rate quotes online is you may find cheap rate quotes and still have an agent to talk to. Buying insurance from local agents is definitely important in Scottsdale.
To help locate an agent, after submitting this simple form, your information gets sent to agents in your area who can give free rate quotes to get your business. You don’t have to do any legwork as quotes are delivered instantly to you. You’ll get the best rates and an insurance agent to talk to. If you have a need to quote rates from a specific insurance company, you just need to go to their quote page and fill out the quote form the provide.
Independent or Exclusive: It’s your choice
When researching a reliable insurance agency, you should know the types of insurance agents and how they function. Insurance agencies are either exclusive agents or independent agents.
Independent Insurance Agencies
Agents of this type are not required to write business for one company so they can write business through lots of different companies and find you cheaper rates. If they find a cheaper price, they simply move the coverage in-house and you don’t have to find a new agent.
When comparing insurance prices, you need to check rates from a couple of independent agencies to maximize your price options. Many can place coverage with additional companies that you may not be familiar with that may have much lower rates than larger companies.
Listed below are independent insurance agents in Scottsdale that may be able to provide free insurance rate quotes.
- Palomino Insurance Agency
8889 E Bell Rd – Scottsdale, AZ 85260 – (480) 483-8000 – View Map - Bennett and Porter Insurance | Wealth Management
3200 N Hayden Rd #310 – Scottsdale, AZ 85251 – (480) 212-1150 – View Map - Vanyo Insurance Group
8040 E Morgan Trail #5A – Scottsdale, AZ 85258 – (480) 998-4014 – View Map
Exclusive Insurance Agencies
These agents can only provide pricing for a single company such as Farmers Insurance or State Farm. They usually cannot compare other company’s rates so always compare other rates. Exclusive agencies are usually well trained on their products and sales techniques which can be an advantage. A lot of people buy from exclusive agents mostly because of high brand loyalty rather than low rates.
Shown below are Scottsdale exclusive agencies that are able to give comparison quotes.
- American Family Insurance – Winston Vineyard Agency LLC
9280 E Raintree Dr Ste 103 – Scottsdale, AZ 85260 – (480) 951-8890 – View Map - Dan Vukovic – State Farm Insurance Agent
7077 E Bell Rd #207 – Scottsdale, AZ 85254 – (480) 949-5433 – View Map - John Collins – State Farm Insurance Agent
8140 E Cactus Rd Ste 700 – Scottsdale, AZ 85260 – (602) 466-3100 – View Map
Picking a car insurance agent requires more thought than just a cheap price. Agents should be asked these questions:
- Will the quote change when the policy is issued?
- Are there any discounts for paying up front?
- Does the agency support the community they serve?
- Does the agency have a positive business rating?
- Is every driver in your family covered?
After receiving reasonable responses as well as offering an affordable quote, you have narrowed it down to an auto insurance agent that can be trusted to adequately provide insurance.
Arizona car insurance companies ranked
Selecting the best auto insurance provider can be rather challenging considering how many different companies there are to choose from in Arizona. The ranking data in the next section could help you decide which car insurance providers to look at shopping prices with.
Top 10 Scottsdale Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
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 the end, you can save money
Drivers leave their current company for a number of reasons such as policy non-renewal, an unsatisfactory settlement offer, not issuing a premium refund or delays in paying claims. Regardless of your reason, switching insurance companies is not as difficult as it may seem.
As you shop your coverage around, never buy poor coverage just to save money. In many cases, an insured cut collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage for the lowest cost while still protecting your assets.
In this article, we presented many tips how you can find lower-cost Porsche Panamera insurance in Scottsdale. The most important thing to understand is the more price quotes you have, the higher your chance of finding the cheapest Porsche Panamera rate quotes. You may even be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.
Additional information can be found at these links:
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance for Drivers with Accidents in Scottsdale? (FAQ)
- Crash Avoidance Technologies FAQ (iihs.org)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- How to Avoid Staged Accidents (State Farm)