If you are new to online auto insurance, there’s a good chance you are baffled by the vast number of online companies all offering big savings in Scottsdale.
It goes without saying that insurance companies don’t want you to compare rates. Consumers who get comparison quotes at least once a year will most likely move their business because there is a high probability of finding a lower-cost company. A recent survey discovered that drivers who shopped around every year saved as much as $860 a year compared to those who never compared prices.
If finding the best price on auto insurance is your objective, then understanding how to get price quotes and compare coverages can help you be more efficient.
Smart consumers take time to price shop coverage once or twice a year because prices are usually higher with each renewal. Just because you found the best rates on Land Rover LR2 insurance in Scottsdale two years ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the proper way to remove unneeded coverages and save money.
Affordable Land Rover insurance prices in Scottsdale
The companies shown below offer quotes in Scottsdale, AZ. To locate cheap car insurance in AZ, we recommend you compare several of them to get the lowest price.
Facts and figures for Land Rover LR2 insurance
The table below showcases different insurance costs for Land Rover LR2 models. Understanding how prices are determined can be of help when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR2 | $204 | $364 | $338 | $20 | $102 | $1,028 | $86 |
| LR2 HSE | $204 | $364 | $338 | $20 | $102 | $1,028 | $86 |
| LR2 HSE Luxury | $204 | $364 | $338 | $20 | $102 | $1,028 | $86 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rates do not factor in specific location information which can alter prices significantly.
Physical damage deductibles: Should you raise them?
The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The data tables below can help you visualize the cost difference between high and low comp and collision deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR2 | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| LR2 HSE | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| LR2 HSE Luxury | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR2 | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| LR2 HSE | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| LR2 HSE Luxury | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Estimates do not factor in vehicle location which can lower or raise premium rates significantly.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs about $14 more each month or $168 a year across all Land Rover LR2 models than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average more than 18 months between claims, you would save more money if you decide on a higher deductible.
Irresponsible driving raises your rates
The illustration below illustrates how violations and accident claims can increase Land Rover LR2 annual premium costs for each different age group. The information is based on a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.
How much more does full coverage cost?
The information below visualizes the comparison of Land Rover LR2 insurance premiums with full physical damage coverage compared to only buying liability only. The prices are based on no claims or driving violations, $250 deductibles, single marital status, and no policy discounts are applied.
Should you pay for full coverage?
There is no definitive guideline to delete physical damage insurance, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Land Rover LR2 replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after the deductible is paid. If it’s costing in excess of $500 annually for comprehensive and collision coverage, then it might be time to buy liability only.
There are some situations where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.
How Car Insurance Companies Calculate Land Rover LR2 Insurance Prices
Many things are taken into consideration when quoting car insurance. Some are obvious such as traffic violations, but other criteria are not as apparent like your vehicle usage or your vehicle rating.
The following are a few of the things used by insurance companies to determine premiums.
- Never go without auto insurance – Driving with no insurance is not a good idea and any future policy may cost more because you let your insurance expire. Not only will rates go up, being ticketed for driving with no insurance might get you fines or a revoked license.
- Do you save by driving less? – The higher the mileage driven every year the higher your rate. Most companies apply a rate based upon how much you drive. Vehicles that have low annual miles qualify for better rates than those that get driven frequently. Ask your agent if your vehicle rating is rated on the correct usage for each vehicle, because improper ratings can cost you money. Having an incorrect usage rating on your LR2 can cost quite a bit.
- Prevent your car from being stolen – Purchasing a vehicle with advanced anti-theft systems can get you a discount on your auto insurance. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping vehicle theft.
- Occupation stress can affect rates – Jobs like fire fighters, air traffic controllers, and stock brokers tend to have the highest rates in part from stressful work requirements and extremely grueling work hours. On the flip side, professions such as scientists, students and the unemployed have lower than average premiums.
- Limits of liability coverage – The liability coverage on your policy will protect you if ever a jury decides you are liable for personal injury or accident damage. Liability provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
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Gender matters – Over time, data shows that females tend to be a little less risky than males. It does not mean men are WORSE drivers than women. Women and men are in accidents at about the same rate, but the males have costlier accidents. They also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 have the highest risk to insure so it costs more to insure them.
The illustration below visualizes the comparison of Land Rover LR2 annual premium costs for male and female drivers. The rates are based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
- Raise physical damage deductibles and save – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Land Rover. A few examples of covered claims could be a dented fender, hitting a deer, and windstorm damage. The deductibles define how much you are required to pay if a claim is determined to be covered. The larger the amount you choose to pay out-of-pocket, the less your company will charge you for insurance.
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Insurance losses for a Land Rover LR2 – Car insurance companies include the past claim trends for vehicles to determine a rate that will be profitable for them. Vehicles that the data shows to have higher prevalence or dollar amount of losses will cost more for specific coverages.
The table below illustrates the actual insurance loss data for Land Rover LR2 vehicles. For each policy coverage type, the statistical loss for all vehicles, as an average, is a value of 100. Values below 100 indicate better than average losses, while percentage numbers above 100 indicate more frequent claims or an increased chance of a larger loss.
Car Insurance Loss Data for Land Rover LR2 Models Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Land Rover LR2 4dr 4WD 115 162 99 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Determine discounts to get cheap Scottsdale car insurance quotes
Car insurance is neither fun to buy or cheap, but discounts can save money and there are some available that may help make it more affordable. Certain discounts will be triggered automatically when you get a quote, but some must be requested specifically prior to getting the savings.
- Theft Deterrent – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
- Paperwork-free – Many insurance companies will give a small break for signing up on the web.
- Multiple Vehicles – Buying coverage for multiple cars or trucks with one company may reduce the rate for each vehicle.
- Responsible Driver Discount – Drivers who don’t get into accidents can save up to 40% or more on their Scottsdale car insurance quote compared to rates paid by drivers with frequent claims.
- Include Life Insurance and Save – Larger car insurance companies have a small discount if you purchase some life insurance in addition to your auto policy.
- Policy Bundle Discount – If you can combine your home and auto policy with one insurance company you will save at least 10% off all policies.
- Good Students Pay Less – Performing well in school may save as much as 25% on a Scottsdale car insurance quote. This discount can apply well after school through age 25.
- Student in College – Youth drivers who live away from home at college and don’t have a car may qualify for this discount.
- Discount for Low Mileage – Fewer annual miles on your Land Rover may enable drivers to earn cheaper prices.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount will help reduce the cost of your policy.
The example below visualizes the comparison of Land Rover LR2 premium costs with and without discounts applied. The rate quotes are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, homeowner, marriage, and multi-policy discounts applied.
A few popular companies and their offered discounts are included below.
- GEICO may include discounts for good student, membership and employees, seat belt use, multi-vehicle, anti-theft, and driver training.
- Travelers includes discounts for driver training, early quote, student away at school, IntelliDrive, payment discounts, and new car.
- Nationwide may have discounts that include Farm Bureau membership, defensive driving, anti-theft, family plan, and good student.
- Farmers Insurance has discounts for alternative fuel, teen driver, youthful driver, pay in full, bundle discounts, homeowner, and distant student.
- Esurance offers discounts including Switch & Save, DriveSense, online quote, emergency road assistance, and renters.
- State Farm may offer discounts for passive restraint, anti-theft, multiple autos, student away at school, good driver, Drive Safe & Save, and Steer Clear safe driver discount.
- Progressive policyholders can earn discounts including homeowner, good student, continuous coverage, multi-vehicle, online signing, and online quote discount.
- Mercury Insurance has savings for annual mileage, good driver, type of vehicle, ease of repair, anti-theft, and accident-free.
When getting free Scottsdale car insurance quotes, it’s a good idea to every company to give you their best rates. Savings might not be offered on policies in your state. To view providers with discount car insurance rates in Arizona, click here.
Local Scottsdale insurance agencies
Certain consumers would rather buy from a local agent and that is a smart decision One of the great benefits of comparing insurance prices online is that you can obtain lower rates and still have an agent to talk to. Putting coverage with neighborhood insurance agencies is important particularly in Scottsdale.
To help locate an agent, after submitting this short form, your information is instantly submitted to insurance agents in Scottsdale who will give competitive quotes and help you find cheaper coverage. You won’t even need to visit any agencies due to the fact that quote results will go immediately to your email address. You can find lower rates and work with a local agent. In the event you want to compare prices from a specific company, you would need to jump over to their website and submit a quote form there.
If you are wanting to find a local Scottsdale insurance agent, you should know the types of insurance agents and how they can write your policy. Agencies in Scottsdale are categorized either exclusive or independent (non-exclusive).
Independent Insurance Agents
Agents that elect to be independent do not have single company limitations and that enables them to quote your coverage with an assortment of companies depending on which coverage is best. If prices rise, an independent agent can move your coverage and you don’t have to find a new agent. If you are trying to find cheaper rates, it’s a good idea to get insurance quotes from multiple independent agents to ensure the widest selection of prices. Most have the option of insuring with companies that do not advertise much that many times have cheaper rates.
The following is a short list of independent insurance agencies in Scottsdale who may be able to give you competitive price quotes.
- Summit Insurance Advisors
5425 E Bell Rd – Scottsdale, AZ 85254 – (480) 214-3544 – View Map - Crest Insurance Group, LLC
7900 E Thompson Peak Pkwy # 10 – Scottsdale, AZ 85255 – (480) 860-6453 – View Map - Vanyo Insurance Group
8040 E Morgan Trail #5A – Scottsdale, AZ 85258 – (480) 998-4014 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can only quote rates from one company such as Farmers Insurance, State Farm, or Allstate. They generally cannot provide prices from multiple companies so they really need to provide good service. Exclusive agents are usually well trained on the products they sell and that allows them to sell at a higher price point. Consumers frequently choose to use an exclusive agent mainly due to the brand legacy rather than having low rates.
Below is a short list of exclusive agents in Scottsdale that can give you price quotes.
- Brad Dunlap – State Farm® Insurance Agent
8436 E Shea Blvd c103 – Scottsdale, AZ 85260 – (480) 661-0801 – View Map - Steve Fair – State Farm Insurance Agent
33717 N Scottsdale Rd #101 – Scottsdale, AZ 85266 – (480) 563-2710 – View Map - State Farm: Jeremy Mueller
23341 N Pima Rd D139, Scottsdale 85255 – 23341 N Pima Rd D139, AZ 85255 – (480) 515-5223 – View Map
Selecting an auto insurance agent should include more criteria than just a cheap quote. Get answers to these questions too.
- How much experience to they have in personal lines coverages?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How long has their agency been open in Scottsdale?
- Who are their largest clients?
- Will high miles depreciate repair valuations?
After receiving reasonable responses to any questions you have and an acceptable price quote, it’s a good possibility that you have found a car insurance agent that can be relied on to properly service your insurance policy.
Best car insurance in Scottsdale
Ending up with a good quality company can be a challenge considering how many companies are available to choose from in Scottsdale. The ranking data in the next section may help you choose which providers to look at shopping your coverage with.
Top 10 Scottsdale Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Cheap auto insurance premiums are possible
When you buy Scottsdale car insurance online, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where someone sacrificed physical damage coverage and learned later they didn’t have enough coverage. The goal is to get the best coverage possible at a price you can afford, but do not skimp to save money.
We’ve covered quite a bit of information on how to save on Land Rover LR2 insurance in Scottsdale. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the lowest prices are with the least-expected company.
People switch companies for many reasons like lack of trust in their agent, extreme rates for teen drivers, policy non-renewal and even questionable increases in premium. Regardless of your reason, finding the right auto insurance provider is easier than you think.
How to find cheaper quotes for Land Rover LR2 insurance in Scottsdale
If you want to save the most money, the best way to find the cheapest price for auto insurance rates in Scottsdale is to compare quotes once a year from insurers that insure vehicles in Arizona.
- Get a basic knowledge of what coverages are included in your policy and the measures you can take to drop your rates. Many factors that result in higher prices like traffic violations and a poor credit rating can be controlled by making minor changes to your lifestyle.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive or Farmers Insurance, while independent agencies can quote prices from multiple sources.
- Compare the quotes to your current policy to see if a cheaper rate is available. If you find a lower rate and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Provide adequate notice to your current company to cancel your existing policy. Submit payment along with a signed and completed policy application to the new company. As soon as you can, keep your new certificate verifying coverage in your vehicle.
A good tip to remember is to use the same liability limits and deductibles on every quote and and to get price quotes from as many carriers as you can. Doing this helps ensure a fair rate comparison and many rates to choose from.
Additional information is located at the links below
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- What Insurance is Cheapest for State Employees in Scottsdale? (FAQ)
- Who Has the Cheapest Auto Insurance for Veterans in Scottsdale? (FAQ)
- What Auto Insurance is Cheapest for High Risk Drivers in Scottsdale? (FAQ)
- How Much are Car Insurance Quotes for a Jeep Wrangler in Scottsdale? (FAQ)
- Who Has Affordable Scottsdale Car Insurance for a Ford Explorer? (FAQ)
- Collision Coverage (Liberty Mutual)
- Anti-Lock Brake FAQ (iihs.org)
- Child Safety Seats (Insurance Information Institute)