It’s hard to fathom, but almost 70% of insureds in Arizona have stayed with the same insurance company for at least the last four years, and nearly half have never compared rates from other carriers. Drivers in the United States could cut their rates by about $850 a year by just comparing rate quotes, but they think it’s difficult to find cheap rates by getting comparison quotes.
Really, the only way to get more affordable car insurance rates in Scottsdale is to make a habit of comparing prices annually from companies in Arizona. You can compare prices by following these steps.
Step 1: Spend a few minutes and learn about how your policy works and the factors you can control to lower rates. Many rating criteria that drive up the price like tickets, at-fault accidents, and a not-so-good credit rating can be amended by making minor changes to your lifestyle. Keep reading for the details to prevent high rates and get discounts that may be overlooked.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Allstate, while independent agents can quote prices from many different companies.
Step 3: Compare the new quotes to the price on your current policy to determine if you can save on Lancer insurance. If you can save money and decide to switch, verify that coverage does not lapse between policies.
An important part of this process is that you use identical coverages on every price quote and and to get price quotes from as many companies as you can. Doing this enables a fair price comparison and plenty of rates choose from.
If you already have coverage, you will most likely be able to get lower rates using the tips covered below. These tips will teach you a little about the best ways to compare prices and some tricks to saving. But Arizona car owners do need to know how the larger insurance companies market insurance on the web and take advantage of how the system works.
To find low cost rates, there are a couple of ways of comparing rate quotes from local Scottsdale car insurance companies. The fastest way to lower the rate you pay for Mitsubishi Lancer insurance is to use the internet to compare rates.
Just keep in mind that quoting more helps locate better pricing.
The companies in the list below have been selected to offer quotes in Arizona. To find cheap auto insurance in AZ, we suggest you visit as many as you can to find the lowest auto insurance rates.
Why you need insurance for your Lancer
Despite the high insurance cost for a Mitsubishi Lancer in Scottsdale, paying for auto insurance serves a purpose in several ways.
First, almost all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability 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.
Second, if you took out a loan on your vehicle, most banks will force you to have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Mitsubishi at a more expensive rate and require you to pay the higher premium.
Third, insurance protects your vehicle and your assets. It also can pay for many types of medical costs that are the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees in the event you are sued. If you have damage to your Mitsubishi as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of having insurance definitely exceed the cost, specifically if you ever have a liability claim. The average driver in Arizona overpays more than $855 a year so you should quote your policy with other companies each time the policy renews to ensure rates are inline.
Auto insurance statistics and figures
The information displayed below highlights a range of insurance policy prices for Mitsubishi Lancer models. Knowing how insurance policy rates are determined is important to be able to make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lancer DE | $254 | $450 | $306 | $18 | $92 | $1,120 | $93 |
| Lancer ES | $254 | $450 | $306 | $18 | $92 | $1,120 | $93 |
| Lancer GTS | $282 | $518 | $306 | $18 | $92 | $1,216 | $101 |
| Lancer Sportback GTS | $282 | $518 | $306 | $18 | $92 | $1,216 | $101 |
| Lancer RALLIART | $312 | $588 | $306 | $18 | $92 | $1,316 | $110 |
| Lancer Sportback Ralliart | $312 | $588 | $306 | $18 | $92 | $1,316 | $110 |
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific location which can raise or lower auto insurance rates considerably.
The diagram below demonstrates how deductible levels and can influence Mitsubishi Lancer insurance premiums for different categories of driver ages. The data assumes a married male driver, comp and collision included, and no other discounts are factored in.
Should you buy full coverage?
The example below illustrates the comparison of Mitsubishi Lancer auto insurance costs with and without physical damage coverage. Data assumes no claims or driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.
When to drop comp and collision
There is no specific rule of when to stop paying for full coverage, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Mitsubishi Lancer replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $8,000 after paying your deductible. If premium cost is more than $800 annually to have full coverage, then it might be time to buy liability only.
There are a few cases where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
Get cheaper Mitsubishi Lancer insurance in Scottsdale with discounts
Insurance can be prohibitively expensive, but there may be some discounts that can help lower your rates. Many of these discounts will be applied automatically when you get a quote, but a few must be asked about before you get the savings.
- Driver Safety – Completing a safe driver course could cut 5% off your bill and easily pay for the cost of the class.
- Service Members Pay Less – Being on active duty in the military can result in better premium rates.
- Organization Discounts – Joining specific professional or occupational memberships or organizations could earn you a nice discount when shopping for insurance.
- Student in College – Youth drivers who live away from home at college and do not have a car can be insured at a reduced rate.
- Discount for Passive Restraints – Vehicles with factory air bags can qualify for discounts up to 30%.
- Safe Driver Discounts – Drivers who don’t get into accidents may save up to 50% more than drivers with accident claims.
- Telematics Devices – Policyholders that allow their company to study driving patterns by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they have good driving habits.
- Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you can avoid monthly service charges.
Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, nobody gets a free ride.
The illustration below shows the difference between Mitsubishi Lancer insurance premiums with and without some available policy discounts. The costs are based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, safe-driver, multi-policy, and homeowner discounts applied.
For a list of providers with significant discounts in Arizona, click here to view.
Independent or exclusive insurance agencies
Certain consumers still prefer to get advice from a local agent and that is a personal choice. The biggest benefit of price shopping on the web is that drivers can save money and get better rates and still choose a local agent. Putting coverage with neighborhood insurance agencies is still important in Scottsdale.
After completing this quick form, your insurance data is transmitted to local insurance agents in Scottsdale that can give you free Scottsdale car insurance quotes for your business. It’s much easier because you don’t need to visit any agencies since rate quotes are delivered directly to your email. Get lower rates without the usual hassles of price shopping. If for some reason you want to get a price quote from one company in particular, you just need to search and find their rate quote page and submit a quote form there.
Exclusive and independent Scottsdale car insurance agents
If you want a local Scottsdale insurance agency, you should know the types of agencies from which to choose. Insurance agencies in Scottsdale are categorized either independent or exclusive.
Independent Agents
Agents of this type do not have single company limitations so they can quote policies with many different companies and get the cheapest rates. If you want to switch companies, your agent can switch companies and that require little work on your part. When comparing insurance rates, you definitely need to include several independent agencies so that you have a good selection of quotes to compare. Most also write with small regional insurance companies which may provide better rates.
Listed below are Scottsdale independent insurance agencies that may be able to give free rate quotes.
- Pinnacle Ins Agency Inc.
8700 E Vista Bonita Dr – Scottsdale, AZ 85255 – (480) 513-3131 – View Map - JVP Insurance Agency
10025 E Dynamite Blvd – Scottsdale, AZ 85262 – (480) 473-3100 – View Map - Arizona Western Insurance Services
13951 N Scottsdale Rd # 234 – Scottsdale, AZ 85254 – (480) 483-3311 – View Map
Exclusive Agencies
Exclusive agents can only write with one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot provide other company’s prices so keep that in mind. Exclusive agents receive extensive training on their company’s products and that enables them to sell even at higher rates. Consumers sometimes buy from the same agent for years partially due to the brand name rather than low rates.
Listed below are Scottsdale exclusive agents willing to provide price quotes.
- Jim Wurbel – State Farm Insurance Agent
10789 N 90th St Ste 101 – Scottsdale, AZ 85260 – (480) 860-1090 – View Map - State Farm: Randy Mueller
10575 N 114th St – Scottsdale, AZ 85259 – (480) 391-9390 – View Map - Shar Roos – State Farm Insurance Agent
9393 N 90th St Ste 108C – Scottsdale, AZ 85258 – (480) 478-6968 – View Map
Choosing the best car insurance agent is decision based upon more than just the bottom line cost. These questions are important to ask:
- Do they regularly work with personal auto policies in Scottsdale?
- Does the agency provide any after hours assistance?
- Are they able to provide referrals?
- Does the agent recommend any additional coverage?
- Can you choose the body shop in case repairs are needed?
- Will their companies depreciate repairs to your car based on the mileage?
- Will you work with the agent or an assistant?
Auto insurance companies ranked
Ending up with the top insurance provider can be rather challenging considering how many companies are available to choose from in Arizona. The ranking information displayed below could help you analyze which car insurance companies you want to consider comparing prices from.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Quote more and you will save more
We’ve covered a lot of techniques to lower your Mitsubishi Lancer insurance rates in Scottsdale. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest rates come from some of the lesser-known companies.
Cheaper car insurance in Scottsdale is definitely available online and with local Scottsdale insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies may not provide rates over the internet and most of the time these regional carriers prefer to sell through independent agents.
People switch companies for many reasons like policy non-renewal, policy cancellation, delays in responding to claim requests or even high prices. No matter why you want to switch, finding a new car insurance company is less work than it seems.
To learn more, take a look at the following helpful articles:
- Smart Auto Insurance Tips (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Rates for a Honda CR-V in Scottsdale? (FAQ)
- How Much are Auto Insurance Quotes for Retired Military in Scottsdale? (FAQ)
- Who Has Affordable Car Insurance for Drivers with a Bad Driving Record in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance Rates for 19 Year Olds in Scottsdale? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers Under 25 in Scottsdale? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)
- Young Drivers: The High Risk Years Video (iihs.org)