If your goal is the lowest price, then the best way to get more affordable car insurance rates is to compare quotes once a year from different companies who sell insurance in Scottsdale. Drivers can shop around by following these steps.
Step 1: Take a little time to learn about the different coverages in a policy and the factors you can control to prevent rate increases. Many things that increase rates such as traffic violations, accidents, and an imperfect credit rating can be rectified by improving your driving habits or financial responsibility. Read the full article for information to get low prices and find more discounts that you may not know about.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like Progressive or Allstate, while independent agencies can provide prices for a wide range of insurance providers. View a list of agents
Step 3: Compare the new rate quotes to your existing rates to see if a cheaper price is available in Scottsdale. If you find a lower rate quote, ensure coverage does not lapse between policies.
Step 4: Provide notification to your current company of your decision to cancel your current car insurance policy and submit a completed application and payment to your new carrier. Be sure to store the certificate verifying coverage in an easily accessible location.
An important part of this process is to use similar deductibles and liability limits on each quote request and and to get price quotes from as many carriers as you can. This ensures an apples-to-apples comparison and the best price quote selection.
It’s safe to assume that auto insurance companies don’t want you comparing rates. Consumers who shop around for the cheapest price will probably buy a new policy because there is a good probability of finding more affordable rates. A recent auto insurance study discovered that consumers who regularly compared rates saved approximately $70 a month compared to those who never compared other company’s rates.
If finding the lowest price on Mercury Milan insurance is your ultimate goal, then having a good understanding how to shop and compare insurance can help you succeed in finding affordable rates.
Choosing the most cost-effective auto insurance policy in Scottsdale can be made easier if you know where to look. Nearly every vehicle owner who needs more affordable auto insurance will most likely get a lower-priced policy. But Arizona car owners need to have an understanding of how companies determine what you pay because rates fluctuate considerably.
The are a couple different ways of comparing price quotes from different companies. One of the best ways to find cheaper Mercury Milan rates consists of obtaining rate quotes online.
Just remember that comparing a wide range of rates increases your odds of finding more affordable insurance.
The following companies are our best choices to provide free rate quotes in Scottsdale, AZ. In order to find cheap car insurance in Scottsdale, it’s highly recommended you visit two to three different companies to get the best price comparison.
Three main reasons to buy auto insurance
Despite the high cost of buying insurance for a Mercury Milan in Scottsdale, maintaining insurance is not optional due to several reasons.
First, almost all states have minimum liability requirements which means the state requires a specific level of liability protection 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.
Second, if your Mercury Milan has a lienholder, most lenders will force you to buy full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may have to buy a policy to insure your Mercury at a more expensive rate and require you to fork over for it.
Third, auto insurance preserves both your car and your personal assets. It will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance definitely exceed the price paid, particularly for liability claims. Today the average American driver overpays more than $750 every year so we recommend shopping around at every renewal to be sure current rates are still competitive.
Data for Mercury Milan insurance
The rate table displayed next showcases detailed analysis of insurance coverage prices for Mercury Milan models. Being more informed about how insurance prices are figured can be useful when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Milan | $162 | $324 | $288 | $18 | $86 | $878 | $73 |
| Milan Premier | $162 | $382 | $288 | $18 | $86 | $936 | $78 |
| Milan Premier AWD | $182 | $382 | $288 | $18 | $86 | $956 | $80 |
| Milan Hybrid | $182 | $382 | $338 | $20 | $102 | $1,024 | $85 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Table data does not factor in your specific Scottsdale location which can increase or decrease price quotes considerably.
How high should deductibles be?
One frequently asked question is what deductibles to buy. The premium rates below determine how much more rates are when you select higher and lower comp and collision deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Milan | $258 | $466 | $254 | $16 | $76 | $1,095 | $91 |
| Milan Premier | $258 | $548 | $254 | $16 | $76 | $1,177 | $98 |
| Milan Premier AWD | $292 | $548 | $254 | $16 | $76 | $1,211 | $101 |
| Milan Hybrid | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Milan | $188 | $314 | $254 | $16 | $76 | $848 | $71 |
| Milan Premier | $188 | $370 | $254 | $16 | $76 | $904 | $75 |
| Milan Premier AWD | $212 | $370 | $254 | $16 | $76 | $928 | $77 |
| Milan Hybrid | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in your specific Scottsdale location which can affect coverage rates considerably.
Based on the figures above, using a $100 deductible would cost the average driver about $22 more each month or $264 annually across all Mercury Milan 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 go more than 18 months between claim filings, you would more than likely save some money if you choose the higher deductible.
Calculate deductible break even point
| Average monthly premium for $100 deductibles: | $99 |
| Average monthly premium for $500 deductibles (subtract): | – $77 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
One important note is that raising deductibles to get cheaper rates means you pay more out-of-pocket when you do file a claim. That will require some available funds in the event you need to pay the deductible to have repairs made.
The information below demonstrates how deductible levels and can increase or decrease Mercury Milan annual premium costs for different ages of insureds. The data is based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
Tickets and at-fault accidents raise rates
The illustration below illustrates how speeding tickets and fender-benders influence Mercury Milan auto insurance costs for each age group. The data is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
Full coverage versus liability-only in Scottsdale
The diagram below compares Mercury Milan insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no accidents or driving violations, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Should you pay for full coverage?
There isn’t a steadfast formula of when to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Mercury Milan replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $5,000 after paying your policy deductible. If premium cost is more than $500 a year to have full coverage, then you may want to consider only buying liability coverage.
There are some situations where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.
Cheaper rates with discounts
Auto insurance can be pricey, but you might already qualify for some discounts that could help you make your next renewal payment. Certain discounts will be applied when you get a quote, but a few must be specially asked for before you will receive the discount.
- Student Discount for Driver Training – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
- Multi-car Discount – Having primary and secondary vehicles with the same company can get a discount on all vehicles.
- Discounts for Cautious Drivers – Drivers who avoid accidents can save as much as half off their rates than their less cautious counterparts.
- Renewal Discounts – Some companies reward drivers for switching to them before your current Milan insurance policy expires. It can save you around 10%.
- Service Members Pay Less – Having an actively deployed family member may qualify for rate reductions.
- Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
- Buy New and Save – Putting coverage on a new Milan can save up to 30% because newer vehicles are generally safer.
- Professional Memberships – Belonging to a civic or occupational organization in Scottsdale may earn a discount on your next renewal.
- Own a Home and Save – Owning a home in Scottsdale may trigger a policy discount on auto insurance because owning a home is proof of financial responsibility.
As a footnote on discounts, many deductions do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.
The diagram below visualizes the comparison of Mercury Milan insurance premiums with and without discounts applied to the premium. The rate quotes are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, homeowner, marriage, and multi-car discounts applied.
A partial list of companies that have most of the discounts above possibly include:
Before you buy a policy, ask each insurance company which discounts can lower your rates. Some discounts might not be available to policyholders everywhere.
Compare rate quotes but buy from a neighborhood Scottsdale auto insurance agent
Some people would prefer to visit with an insurance agent and that is not a bad decision An additional benefit of comparing rate quotes online is the fact that drivers can get lower rates and still choose a local agent.
After completing this short form, your insurance data gets sent to local insurance agents in Scottsdale that provide free Scottsdale auto insurance quotes for your coverage. You won’t even need to find an agent as quotes are delivered directly to you. You can find lower rates and a licensed agent to work with. If you wish to get a price quote from a specific auto insurance provider, don’t hesitate to jump over to their website and complete a quote there.
Choosing the best provider requires you to look at more than just a cheap quote. These are some valid questions you should ask.
- Which company do they place the most coverage with?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are there any discounts that you might be missing?
- Can you use your own choice of collision repair facility?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they write coverage based solely on cost?
- Are there any extra charges for paying monthly?
- If you raise deductibles, how much can you save?
Pick the best auto insurance agent in Scottsdale for you
If you are searching for an insurance agent, you should know the different agency structures and how they work. Agents can either be exclusive agents or independent agents.
Exclusive Agents
These agents write business for a single company such as Farmers Insurance or State Farm. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are usually well trained on what they offer which aids in selling service over price. Some consumers prefer to choose to use a exclusive agent primarily because of the brand legacy rather than low price.
Below are Scottsdale exclusive agencies who can help you get rate quotes.
- Manny Birch – State Farm Insurance Agent
7297 N Scottsdale Rd Ste 1001 – Scottsdale, AZ 85253 – (602) 279-4383 – View Map - Dan Vukovic – State Farm Insurance Agent
7077 E Bell Rd #207 – Scottsdale, AZ 85254 – (480) 949-5433 – View Map - Scott Knudten – State Farm Insurance Agent
14702 N Frank Lloyd Wright Blvd – Scottsdale, AZ 85260 – (480) 948-8771 – View Map
Independent Auto Insurance Agencies
Agents of this type are not employed by one company so they have the ability to put coverage with a variety of different insurance companies and help determine which has the cheapest rates. If your premiums go up, an independent agent can move your coverage which is easy for the insured.
When comparison shopping, you should always compare quotes from several independent insurance agents so that you have a good selection of quotes to compare. Most have the option of insuring with smaller companies that many times have cheaper rates.
Below is a short list of independent agents in Scottsdale who can help you get rate quotes.
- Hartford Insurance Agent
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 – View Map - JVP Insurance Agency
10025 E Dynamite Blvd – Scottsdale, AZ 85262 – (480) 473-3100 – View Map - Crest Insurance Group, LLC
7900 E Thompson Peak Pkwy # 10 – Scottsdale, AZ 85255 – (480) 860-6453 – View Map
Once you have good responses to your questions as well as a affordable price, it’s a good possibility that you have found an auto insurance agent that is a good match to provide auto insurance coverage. Keep in mind you have the power to cancel coverage at any time so don’t think that you’re stuck with any specific agency with no way to switch.
Tailor your car insurance coverage to you
When selecting insurance from an agent or online, there really isn’t a one size fits all plan. Coverage needs to be tailored to your specific needs and your car insurance should unique, too.
These are some specific questions might point out if you will benefit from professional help.
- Do I need special coverage while pulling a rented trailer?
- Does my insurance cover my expensive audio equipment?
- Do I have newly-acquired coverage?
- What if I don’t agree with a claim settlement offer?
- Is my cargo covered for damage or theft?
- When should I remove comp and collision on my Mercury Milan?
If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Best car insurance company in Scottsdale
Ending up with a highly-rated auto insurance company can be difficult considering how many companies sell coverage in Arizona. The ranking data listed below can help you decide which car insurance companies to look at putting your business with.
Top 10 Scottsdale Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Don’t give up on cheaper rates
As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where an accident victim reduced collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.
Budget-conscious Mercury Milan insurance is available on the web in addition to local insurance agencies, so you need to quote Scottsdale auto insurance with both to get a complete price analysis. Some companies don’t offer price quotes online and these smaller providers sell through independent agents.
Other learning opportunities
- Think You’re a Safe Driver? (State Farm)
- Who Has the Cheapest Auto Insurance for Handicapped Drivers in Scottsdale? (FAQ)
- Who Has Cheap Scottsdale Car Insurance Quotes for Teenage Males? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)
- Parking Tips to Reduce Door Dings (State Farm)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)