Trying to find better insurance prices for a Kia Optima Plug-In Hybrid in Arizona can normally be a lot of work, but you can follow these tips and make it easy.
There is a right way and a wrong way to buy insurance and you need to know the quickest way to get price quotes for a Kia and get the lowest possible price.
Quoting and buying the lowest cost auto insurance policy in Scottsdale is not that difficult. If you have a policy now or are looking for a new policy, you can follow these tips to cut your premiums while maximizing coverage. Smart shoppers only need to know how to compare prices online.
Insurance Cost Influencing Factors
Multiple criteria are taken into consideration when you get your auto insurance bill. Most are fairly basic such as traffic violations, but others are not quite as obvious like where you live or how financially stable you are.
Liability insurance is important – A critical coverage on your policy, liability insurance will afford coverage if ever you are found liable for personal injury or accident damage. It provides you with a defense in court to defend your case. Liability insurance is quite affordable compared to other policy coverages, so buy as much as you can afford.
Tickets and citations cost more than a fine – Your driving citation history influences premium rates substantially. Drivers with clean records tend to pay less for car insurance as compared to careless drivers. Even one ticket may cause rates to rise to the point where it’s not affordable. Drivers who have received dangerous citations such as DUI, reckless driving or excessive speeding are required to prove financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
Premiums are lower the older you get – Youthful drivers in Arizona have a tendency to be less responsible when driving with friends therefore auto insurance rates are much higher. If you’ve ever had to add a inexperienced driver onto your auto insurance can break the bank. Older people are proven to be safer behind the wheel, file fewer claims, and get fewer tickets.
Save money by staying claim free – If you frequently file small claims, you can pretty much guarantee much higher rates or policy non-renewal. Insurance companies in Arizona generally give cheaper rates to drivers that do not abuse their auto insurance. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Extra policy coverages you don’t use – There are a lot of optional add-on coverages you can purchase on your Optima Plug-In Hybrid policy. Coverages for personal injury protection, death and dismemberment, and extra equipment coverage may be wasting your money. You may think they are a good idea when buying your policy, but if you’ve never needed them in the past consider taking them off your policy.
More performance means higher rates – The performance level of the vehicle you are buying insurance for makes a substantial difference in your rates. The lowest premiums tend to be for lower cost passenger vehicles, but other factors influence the final cost greatly.
Finding more affordable car insurance rates is an easy way to save money. Drivers just need to spend a few minutes to compare rate quotes online with multiple companies.
The companies shown below provide free rate quotes in Scottsdale, AZ. To buy cheap auto insurance in Scottsdale, we recommend you compare several of them to get the cheapest price.
Here’s why insurance is not optional
Despite the high insurance cost for a Kia Optima Plug-In Hybrid in Scottsdale, insurance is mandatory in Arizona but it also protects more than you think.
First, just about all states have compulsory liability insurance requirements which means you are required to buy a specific level of liability coverage if you drive a 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.
Second, if you bought your vehicle with a loan, it’s guaranteed your bank will require you to have physical damage coverage to guarantee loan repayment. If the policy lapses, the lender may have to buy a policy to insure your Kia at a much higher premium rate and require you to reimburse them for the expensive policy.
Third, insurance protects both your Kia Optima Plug-In Hybrid and your assets. It will also provide coverage for hospital and medical expenses that are the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance definitely exceed the price paid, particularly for liability claims. An average driver in America is wasting up to $825 a year so it’s recommended you shop around at least once a year to be sure current rates are still competitive.
Take policy discounts and save on Kia Optima Plug-In Hybrid insurance in Scottsdale
Some companies do not advertise all possible discounts very well, so the following is a list of a few of the more common as well as some of the hidden credits that you can use to lower your rates. If you aren’t receiving every discount you qualify for, you could be getting lower rates.
- Multiple Policy Discount – If you can bundle your homeowners and auto insurance with the same insurance company you may save as much as 10 to 15 percent.
- ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive and earn discounts up to 10%.
- Good Student – A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
- Theft Deterrent Discount – Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Scottsdale Homeowners Discount – Owning your own home or condo can get you a discount since owning and maintaining a home demonstrates responsibility.
You can save money using discounts, but many deductions do not apply to the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, nobody gets a free ride.
Auto insurance companies who might offer these benefits include:
When quoting, ask all companies you are considering the best way to save money. All car insurance discounts might not be offered in every state. To choose insurance companies that offer multiple discounts in Scottsdale, click here to view.
What if I want to buy from local Scottsdale insurance agents?
A small number of people just prefer to go talk to an agent and that is not a bad decision Agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of price shopping on the web is that you can find lower rates and still choose a local agent. And supporting local insurance agents is definitely important in Scottsdale.
To find an agent, once you fill out this simple form, your information is instantly submitted to companies in Scottsdale who will return price quotes and help you find cheaper coverage. You don’t have to find an agent due to the fact that quote results will go to the email address you provide. If you have a need to compare rates from a specific insurance company, don’t hesitate to visit that company’s website and complete a quote there.
Picking an company requires more thought than just a cheap price. Here are some questions to ask:
- Are they giving you every discount you deserve?
- Is vehicle damage repaired with OEM or aftermarket parts?
- What are their preferred companies if they are an independent agency?
- Does the agency have a positive business rating?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is the quote a firm price?
- Do they specialize in personal lines auto insurance in Scottsdale?
After you get good answers to these questions as well as offering an affordable quote, it’s a good possibility that you have found an insurer that is reliable enough to properly insure your vehicles. Keep in mind you are entitled to terminate coverage at any time so don’t assume that you are obligated to your new company indefinitely.
Best auto insurance company in Scottsdale
Buying coverage from a good quality auto insurance company can be challenging considering how many different companies insure vehicles in Arizona. The company information below can help you pick which auto insurers to look at when comparing rate quotes.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The best insurance company isn’t always the cheapest
Some insurance companies may not provide online rate quotes and many times these smaller companies provide coverage only through local independent agencies. Low-cost Kia Optima Plug-In Hybrid insurance in Scottsdale can be found both online as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.
As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.
In this article, we covered a lot of techniques to shop for Kia Optima Plug-In Hybrid insurance online. The key concept to understand is the more you quote Scottsdale car insurance, the higher the chance of saving money. You may even find the most savings is with a smaller regional carrier.
How to find lower priced Kia Optima Plug-In Hybrid insurance in Scottsdale
If you want to save the most money, the best way to get more affordable auto insurance rates is to make a habit of comparing prices annually from different companies that sell auto insurance in Scottsdale.
- Spend some time learning about auto insurance and the steps you can take to keep rates down. Many factors that increase rates like at-fault accidents, speeding tickets, and a bad credit score can be controlled by being financially responsible and driving safely.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices for many different companies. View prices
- Compare the new quotes to the premium of your current policy to see if a cheaper rate is available. If you find better rates and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Give notification to your current company of your intention to cancel your current coverage and submit payment along with a signed and completed policy application for your new coverage. As soon as you have the new policy, keep the new proof of insurance paperwork somewhere easily accessible.
A valuable tip to remember is to compare the same level of coverage on each price quote and to quote with all possible companies. This provides an accurate price comparison and the most accurate and complete price analysis.
More tips and info about insurance can be read at these sites:
- Vehicle Insurance in the U.S. (Wikipedia)
- Who Has the Cheapest Car Insurance Rates for a Honda CR-V in Scottsdale? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)