Affordable Insurance for a Saab 9-5 in Scottsdale

Saving money on Saab 9-5 insurance in Scottsdale is nearly impossible for drivers who have little experience comparison shopping online. With such a big selection of agents and companies in the marketplace, it can easily become a challenge to find a cheaper company.

Unthinkable but true, nearly 70% of drivers have purchased from the same company for four years or more, and almost 40% of drivers have never compared rate quotes at all. With the average premium in Arizona being $1,580, drivers could save almost 50% each year by just comparing rate quotes, but they just don’t want to compare rates.

If you’re already insured, you will surely be able to buy cheaper car insurance using these methods. We hope to familiarize you with how car insurance works and how to save the most money. But Arizona drivers can benefit from knowing how companies determine how much to charge because it can help you find the best coverage.

Discounts for cheaper auto insurance rates

Some insurance providers don’t always advertise the entire discount list very clearly, so the below list has both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy Scottsdale car insurance online. If they aren’t giving you every credit possible, you could be saving more on your auto insurance.

• Multiple Cars – Buying insurance for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
• Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally until age 25.
• Early Signing – Some companies give discounts for switching to them early. The savings is around 10%.
• Scottsdale Homeowners Discount – Simply owning a home can help you save on auto insurance because owning a home shows financial diligence.
• Professional Organizations – Joining qualifying employment or professional organizations could earn you a nice discount on your policy.
• Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Discount for Low Mileage – Keeping the miles down on your Saab may enable drivers to earn cheaper rates.
• New Car Discount – Adding a new car to your policy may earn a small discount because newer models keep occupants safer.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, auto insurance companies aren’t that generous.

The diagram below compares Saab 9-5 insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, no accidents or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-policy, marriage, and multi-car discounts applied.

A few popular companies and some of the discounts are:

• American Family policyholders can earn discounts including defensive driver, bundled insurance, accident-free, air bags, mySafetyValet, and Steer into Savings.
• Farm Bureau may offer discounts for driver training, safe driver, 55 and retired, renewal discount, good student, youthful driver, and multi-policy.
• State Farm offers discounts for multiple autos, driver’s education, anti-theft, student away at school, multiple policy, good student, and Steer Clear safe driver discount.
• Travelers offers discounts including multi-policy, home ownership, early quote, new car, driver training, and student away at school.
• The Hartford may include discounts for vehicle fuel type, anti-theft, air bag, driver training, and good student.
• GEICO includes discounts for membership and employees, five-year accident-free, driver training, military active duty, air bags, and emergency military deployment.
• Progressive has savings for good student, multi-vehicle, online quote discount, multi-policy, and homeowner.

If you want the cheapest Saab 9-5 rate quotes, ask all companies you are considering which credits you are entitled to. Savings might not be offered everywhere. To view insurance companies that offer the discounts shown above in Arizona, click here to view.

When price shopping your coverage, comparing a large number of companies increases the chance that you will find the best price. Some insurance companies are not set up to provide online rate quotes, so it’s recommended that you also compare quotes from the smaller companies as well.

The companies in the list below have been selected to offer comparison quotes in Arizona. To find the best cheap auto insurance in AZ, it’s a good idea that you click on several of them to get a more complete price comparison.

Insurance coverage details

The coverage table shown below covers a range of insurance prices for Saab 9-5 models. Understanding how auto insurance prices are calculated is important for drivers to make smart choices when selecting a coverage provider.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in specific location which can change rates substantially.

Insurance deductibles

When shopping for insurance, a common question is how high or low should comp and collision deductibles be. The following tables lay out the price difference between low and high policy deductibles. The first rate comparisons uses a $100 deductible and the second set of rates uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in your specific Scottsdale location which can affect coverage prices noticeably.

Based on the data above, we can derive that using a $100 deductible will cost you roughly $44 more each month or $528 annually than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 20 months between claim filings, you would save more money by going with a higher deductible.

One important issue to know is that raising deductibles to save money results in having to pay to pay more out-of-pocket when you have to file a claim. That will require enough money put aside in the event you need to pay the higher deductible.

Premiums by gender and age

The information below illustrates the difference between Saab 9-5 premium costs for male and female drivers. Data assumes no claims or driving citations, comp and collision included, $100 deductibles, single marital status, and no other discounts are factored in.

Should you buy full coverage?

The illustration below shows the comparison of Saab 9-5 insurance rates with full physical damage coverage and with liability coverage only. The prices are based on no claims or driving citations, $500 deductibles, single status, and no discounts are applied.

When to drop comp and collision

There is no clear-cut rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s say your Saab 9-5 book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after paying the physical damage deductible. If premium cost is more than $500 annually for full coverage, then you might consider buying liability only.

There are a few cases where dropping full coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not drop full coverage.

Why You Might Pay Higher Rates in Scottsdale

Many different elements are part of the equation when you get a price on insurance. Some are pretty understandable such as traffic violations, although some other factors are less apparent like your continuous coverage or how financially stable you are.

• Do you really need the extra coverages? – There are quite a few extra bells and whistles that you can get tricked into buying if you don’t pay attention. Coverages for roadside assistance, better glass coverage, and membership fees may be wasting your money. You may think they are a good idea at first, but if you have no use for them consider taking them off your policy.
• Bad credit hurts insurance prices – A driver’s credit history can be an important factor in determining what you pay. Drivers with very high credit ratings tend to be better risks to insure as compared to drivers with lower credit scores. If your credit history can be improved, you could potentially save money when insuring your Saab 9-5 if you clean up your credit.
• Married people drive safer – Being married may earn you lower rates on your auto insurance bill. Having a significant other means you’re more stable financially and it’s statistically proven that married drivers tend to have fewer serious accidents.

• Insurance prices and vehicle performance – The performance level of the car you are buying insurance for makes a huge difference in your rates. Lower performance four cylinder passenger cars generally receive the lowest base rates, but your final cost has many other factors.

  The data below assumes a single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It shows Saab 9-5 rates compared to other models that have different performance rating factors.

• Lower premiums for safer cars – Vehicles with high crash test scores are cheaper to insure. Safe vehicles result in less severe injuries and better occupant protection means your insurance company pays less and lower rates for you. If your Saab 9-5 is rated at least four stars on Safercar.gov it is probably cheaper to insure.
• Never allow your auto insurance policy to lapse – Letting your insurance expire will be a sure-fire way to increase your rates. Not only will rates go up, the inability to provide proof of insurance may earn you fines or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with the Arizona DMV.

When to get professional advice

When selecting coverage online or from an agent, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help you determine whether you would benefit from professional advice.

• Does my medical payments coverage pay my health insurance deductible?
• Can my babysitter drive my car?
• What is the rate difference between pleasure use and commuting?
• Do I have any recourse if my insurance company denies a claim?
• What is no-fault insurance?
• What if I total my Saab 9-5 and owe more than it’s worth?
• What is covered by UM/UIM coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Auto insurance agents near you

A small number of people still prefer to talk to an insurance agent and that is a smart decision One of the best bonuses of price shopping on the web is you can get the lowest rates and still have an agent to talk to. Buying insurance from local agents is especially important in Scottsdale.

After completing this simple form, the quote information is submitted to local insurance agents that provide free Scottsdale car insurance quotes for your auto insurance coverage. There is no need to leave your house since rate quotes are delivered immediately to your email address. You’ll get the best rates AND an agent nearby. If you want to compare prices from a specific company, you would need to jump over to their website and fill out their quote form.

Exclusive or Independent: There is a difference

If you’re trying to find a local Scottsdale insurance agent, there are two different types of agents to choose from. Agents in Scottsdale can be described as either independent (non-exclusive) or exclusive.

Independent Agents (or Brokers)

These type of agents often have many company appointments so they can write business with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can just switch to a different company and you won’t have to switch agencies.

If you are comparing rate quotes, you absolutely need to get some free quotes from a few independent agents to have the best price comparison. Most independent agents also contract with small regional insurance companies which may provide better rates.

Listed below is a list of independent agencies in Scottsdale that can give you rate quotes.

• Arizona Western Insurance Services
  13951 N Scottsdale Rd # 234 – Scottsdale, AZ 85254 – (480) 483-3311 – View Map
• Colonial General Insurance Co
  8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889 – View Map
• Palomino Insurance Agency
  8889 E Bell Rd – Scottsdale, AZ 85260 – (480) 483-8000 – View Map

More Scottsdale agents

Exclusive Insurance Agencies

Exclusive agents are contracted to one company like Allstate, State Farm and Farmers Insurance. These agents are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are very knowledgeable on what they offer which helps overcome the inability to quote other rates. Consumers frequently use the same exclusive agent mostly because of the brand legacy rather than low rates.

Shown below are Scottsdale exclusive insurance agents willing to provide price quote information.

• American Family Insurance – J M Chapman Agency Inc
  7055 E Thomas Rd – Scottsdale, AZ 85251 – (480) 945-7122 – View Map
• Dan Vukovic – State Farm Insurance Agent
  7077 E Bell Rd #207 – Scottsdale, AZ 85254 – (480) 949-5433 – View Map
• Athena Olson – State Farm Insurance Agent
  8170 N 86th Pl #105 – Scottsdale, AZ 85258 – (480) 398-1266 – View Map

More Scottsdale agents

Selecting an insurance agent requires you to look at more than just the price. Here are some questions you should ask.

• What is the financial rating for the quoted company?
• When do they do policy reviews?
• Is the agent properly licensed in Arizona?
• How would your car be valued if totaled?
• Do they assist clients in filing claims?
• Are they able to provide referrals?
• Are they paid to recommend certain coverages?

If you receive answers to your satisfaction to any questions you may have as well as an affordable premium quote, you may have just found an insurance agent that is professional and can service your policy.

Why auto insurance is not optional

Despite the potentially high cost of Saab 9-5 insurance, auto insurance is required by state law in Arizona and it also provides benefits you may not be aware of.

First, the majority of states have minimum liability requirements which means state laws require specific limits of liability insurance coverage 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 you have a loan on your Saab 9-5, most lenders will require you to buy insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank will be required to insure your Saab at a much higher premium rate and require you to fork over much more than you were paying before.

Third, auto insurance preserves your car and your assets. It will also provide coverage for many types of medical costs for yourself as well as anyone injured by you. Liability insurance will also pay to defend you if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will pay to repair the damage.

The benefits of having auto insurance more than offset the price you pay, particularly if you ever have a claim. Today the average American driver is wasting up to $700 annually so shop around every year to be sure current rates are still competitive.

Best car insurance in Arizona

Ending up with the top car insurance company is difficult considering how many different companies sell coverage in Scottsdale. The ranking data in the lists below could help you select which insurers to look at when comparing rate quotes.

Top 10 Scottsdale Car Insurance Companies Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Mercury Insurance
5. Progressive
6. The General
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Top 10 Scottsdale Car Insurance Companies Overall

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance

Quote. Compare. Save.

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There have been many cases where an accident victim reduced full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find for the lowest price.

We covered some good ideas how to get a better price on Saab 9-5 insurance in Scottsdale. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the best premium rates are with some of the smallest insurance companies. These smaller insurers may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm or Progressive.

Some insurance companies don’t offer online quoting and these smaller companies only sell through independent agencies. Low-cost Saab 9-5 insurance in Scottsdale is definitely available from both online companies and from local agencies, and you need to price shop both in order to have the best chance of saving money.

How to buy lower priced Saab 9-5 insurance in Scottsdale

If saving the most money is your goal, then the best way to get low-cost Saab 9-5 insurance is to make a habit of regularly comparing prices from insurance carriers who sell auto insurance in Scottsdale. You can compare rates by following these guidelines.

Step 1: Try to learn about car insurance and the factors you can control to drop your rates. Many factors that are responsible for high rates like multiple speeding tickets and poor credit history can be improved by making minor changes to your lifestyle.

Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like Progressive and State Farm, while agents who are independent can provide prices for a wide range of companies.

Step 3: Compare the quotes to your current policy to see if you can save by switching companies. If you find better rates and change companies, ensure coverage does not lapse between policies.

Step 4: Give notification to your current company of your intent to cancel your existing policy. Submit the completed application along with a down payment to your new carrier. Immediately upon receiving it, safely store the proof of insurance certificate in your glove compartment.

One bit of advice is that you use similar limits and deductibles on each quote request and and to look at as many different companies as possible. This helps ensure a level playing field and many rates to choose from.

Much more information about insurance in Arizona is available below:

• Tread Depth and Tire Safety (State Farm)
• What Car Insurance is Cheapest for a 20 Year Old Male in Scottsdale? (FAQ)
• Who Has Affordable Auto Insurance for Uninsured Drivers in Scottsdale? (FAQ)
• Five Mistakes to Avoid (Insurance Information Institute)
• Determining Auto Insurance Rates (GEICO)