Sadly, the vast majority of insurance customers have purchased from the same company for a minimum of four years, and approximately 40% of consumers have never even compared quotes to find cheap rates. Scottsdale insurance shoppers can save almost $700 each year just by getting comparison quotes, but they don’t understand how simple it is to shop their coverage around.
The best way to find low-cost auto insurance rates in Scottsdale is to make a habit of comparing prices annually from insurance carriers who provide car insurance in Arizona. You can shop around by following these steps.
First, read about individual coverages and the things you can change to keep rates in check. Many rating factors that increase rates like tickets, at-fault accidents, and an imperfect credit history can be controlled by improving your driving habits or financial responsibility. This article provides more information to get lower rates and find possible discounts that are available.
Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can quote rates for many different companies.
Third, compare the quotes to the premium of your current policy to see if cheaper Armada coverage is available. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide written notification to your current company of your intention to cancel your existing policy and submit payment along with a signed and completed policy application to your new carrier. As soon as coverage is bound, keep your new certificate verifying coverage above your visor, in the console, or in the glove compartment.
One tip to remember is that you use the same coverage limits and deductibles on each quote and and to get prices from as many companies as possible. This ensures a level playing field and and a good selection of different prices.
If you are already insured or are just looking to switch companies, use these techniques to buy cheaper auto insurance without reducing coverage. Locating the most cost-effective auto insurance policy in Scottsdale is much easier if you have a good place to start. Shoppers just need to learn the quickest way to compare insurance rates over the internet.
Getting a low cost price on insurance doesn’t have to be difficult. All you need to do is spend a little time to compare rate quotes provided by online insurance companies.
Getting price quotes online is very simple and it takes the place of having to spend your day driving to and from local insurance agencies. Quoting and buying Nissan Armada insurance online eliminates this option unless you have a need for the professional abilities of a licensed agent. Although, it is possible comparison shop your insurance online but have a local agent actually write the policy.
The companies shown below are ready to provide quotes in Scottsdale, AZ. If you want to find cheap car insurance in AZ, we recommend you visit two to three different companies in order to find the lowest rates.
Coverage information
The rate table displayed next showcases different insurance costs for Nissan Armada models. Having a good understanding how car insurance premiums are figured is important for you to make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Armada SE 2WD | $324 | $574 | $344 | $20 | $102 | $1,364 | $114 |
| Armada SE 4WD | $324 | $676 | $344 | $20 | $102 | $1,466 | $122 |
| Armada Titanium 2WD | $324 | $676 | $344 | $20 | $102 | $1,466 | $122 |
| Armada Titanium 4WD | $324 | $676 | $344 | $20 | $102 | $1,466 | $122 |
| Armada Platinum 2WD | $324 | $676 | $344 | $20 | $102 | $1,466 | $122 |
| Armada Platinum 4WD | $360 | $676 | $344 | $20 | $102 | $1,502 | $125 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price information does not factor in specific Scottsdale garaging location which can change coverage rates noticeably.
Cautious drivers save money
The chart below demonstrates how traffic citations and at-fault accidents influence Nissan Armada yearly insurance costs for different age groups of insureds. The information is based on a single female driver, full coverage, $100 deductibles, and no additional discounts are factored in.
Cost difference between full coverage and liability
The chart below illustrates the comparison of Nissan Armada car insurance rates when comparing full coverage to state minimum liability only. The data assumes no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied.
When to drop comp and collision
There is no written rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Nissan Armada replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after paying your deductible. If premiums are more than $700 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are some situations where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Why you need insurance for your Armada
Despite the high insurance cost for a Nissan Armada in Scottsdale, auto insurance is required in Arizona but it also protects you in many ways.
- The majority of states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability insurance in order to drive the car. 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 you have a loan on your Nissan, almost all lenders will stipulate that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Nissan at an extremely high rate and require you to reimburse them much more than you were paying before.
- Auto insurance protects both your car and your personal assets. It also can pay for medical transport and hospital expenses that are the result of an accident. Liability insurance will also pay attorney fees if you are sued as the result of your driving. If your Nissan gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of having insurance are definitely more than the cost, especially if you ever need it. An average driver in America is overpaying more than $750 every year so it’s important to compare rates each time the policy renews to be sure current rates are still competitive.
Car insurance coverages for a Nissan Armada
Learning about specific coverages of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most auto insurance policies.
Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like colliding with a tree, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible on your Armada to bring the cost down.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as nursing services, funeral costs, hospital visits and X-ray expenses. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
Liability insurance – Liability coverage will cover injuries or damage you cause to other people or property. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 15/30/10 that translate to a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property.
Liability can pay for claims like emergency aid, attorney fees and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Arizona state minimum liability requirements are 15/30/10 but it’s recommended drivers buy more liability than the minimum.
The next chart demonstrates why the minimum limit may not be adequate.
Uninsured or underinsured coverage – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Nissan Armada.
Due to the fact that many Arizona drivers only carry the minimum required liability limits (which is 15/30/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.
Comprehensive protection – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for things such as falling objects, damage from getting keyed and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Scottsdale car insurance companies ranked
Choosing a good quality insurance provider can be a challenge considering how many companies there are to choose from in Arizona. The ranking information below can help you decide which coverage providers to look at comparing prices from.
Top 10 Scottsdale Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
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+
Final considerations
Cheaper Nissan Armada insurance in Scottsdale can be purchased on the web in addition to many Scottsdale insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers may not provide online quoting and most of the time these small, regional companies prefer to sell through independent agents.
As you prepare to switch companies, never buy poor coverage just to save money. In too many instances, someone dropped collision coverage and discovered at claim time that it was a big mistake. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.
To read more, feel free to browse the following helpful articles:
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- How to Avoid Buying a Flooded Car (Insurance Information Institute)
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