How to Get Lower Auto Insurance Rates in Scottsdale

Are you sick of overpaying and want more competitive car insurance rates in Scottsdale, AZ? Did you make the mistake of buying an underperforming, overpriced car insurance policy? Believe me, there are many Scottsdale drivers thinking the same thing.

Shocking but true, most consumers in Arizona kept buying from the same company for four years or more, and approximately 38% of consumers have never even compared rates from other companies. American drivers can save 46.5% each year just by shopping around, but they don’t know how much they could save if they switched to a more affordable policy.

You have so many insurers to choose from, and though it is a good thing to be able to choose, having more auto insurance companies makes it harder to compare rates and find the lowest cost car insurance.

You should make it a habit to do rate comparisons occasionally since insurance rates are variable and change quite frequently. Just because you found the best deal on car insurance on your last policy you can probably find a lower rate today. Ignore everything you know about car insurance because you’re about to learn one of the quickest ways to lower your rates without sacrificing coverage.

Companies offering affordable rate quotes in Arizona

The car insurance companies shown below are ready to provide price quotes in Arizona. If more than one company is shown, it’s highly recommended you get rate quotes from several of them in order to find the cheapest rates.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in specific zip code location which can change price quotes considerably.

Physical damage deductible comparison

The information below shows how different deductible levels and can affect Toyota Camry premium costs for different age groups. The premiums assume a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Poor driving habits will raise your auto insurance rates

The diagram below highlights how traffic violations and accidents raise Kia Optima auto insurance rates for different insured age categories. The price estimates are based on a married female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Score discounts to get cheaper Scottsdale auto insurance quotes

Companies offering auto insurance don’t always advertise the entire discount list very clearly, so the list below gives a summary of some of the best known and the more hidden ways to save on auto insurance.

• Cautious Driver Discounts – Accident-free drivers can save up to 40% or more on their Scottsdale car insurance quote compared to rates paid by drivers with frequent claims.
• Low Mileage Discounts – Low annual miles could qualify for lower prices due to less chance of an accident.
• Professional Memberships – Being a member of qualifying clubs or civic groups may earn a discount when getting a Scottsdale car insurance quote.
• Good Student – Performing well in school could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
• Lower Rates for Military – Having an actively deployed family member can result in better premium rates.
• Paperless Signup – Many larger companies will discount your bill up to fifty bucks just for signing your application online.

Consumers should know that most discounts do not apply to your bottom line cost. Most cut individual premiums such as comp or med pay. Even though the math looks like you can get free auto insurance, you’re out of luck.

Companies that may offer quotes with these discounts are:

• State Farm
• GEICO
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

If you are trying to find cheap Scottsdale car insurance quotes, ask all the companies to apply every possible discount. Some discounts listed above might not be available to policyholders everywhere. If you would like to see a list of auto insurance companies that can offer you the previously mentioned discounts in Scottsdale, click here.

How much insurance do I need?

When quoting and choosing adequate coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed.
Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

• Will filing a claim cost me more?
• What is the difference between personal and commercial auto insurance policies?
• When should I drop full coverage on my vehicle?
• What is the difference between comprehensive and collision coverage?
• Does my car insurance cover rental cars?
• I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.

When should I contact a local insurance agent?

Many drivers still prefer to talk to a local agent and that is not a bad decision A nice benefit of comparing insurance prices online is you may find lower rates and still have an agent to talk to.

To help locate an agent, after submitting this form (opens in new window), your information is sent to participating agents in Scottsdale who will gladly provide quotes for your business. It makes it easy because there is no need to find an agent on your own since price quotes are sent to you. You can most likely find cheaper rates AND a local agent. If for some reason you want to get a price quote from a specific company, just visit that company’s website and submit a quote form there.

Picking an company should include more criteria than just the quoted price. The answers to these questions are important, too.

• How long have they worked with personal auto insurance coverage?
• How is replacement cost determined on your vehicle?
• Will the agent help in case of a claim?
• Do you qualify for any additional discounts?
• Is there any savings for paying the full premium?

Different types of auto insurance agents in Scottsdale

When searching for a reliable insurance agency, it can be helpful to understand the different types of agents and how they are slightly different. Agencies in Scottsdale are either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

Exclusive insurance agents work for only one company such as AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot compare other company’s rates so they are skilled at selling on more than just price. Exclusive agents are well schooled on the products they sell which helps offset the inability to provide other markets.

The following is a list of exclusive insurance agents in Scottsdale who can help you get comparison quotes.

More Scottsdale agents

Independent Agencies or Brokers

Agents in the independent channel do not have single company limitations and that enables them to quote your coverage with lots of companies and find the cheapest auto insurance rates. If they find a lower price, the agent simply finds a different carrier and you stay with the same agent. If you are comparing rate quotes, you will definitely want to get quotes from a few independent agents to have the best price comparison.

The following is a short list of independent insurance agencies in Scottsdale that can give you comparison quotes.

More Scottsdale agents

If you feel you receive acceptable answers for all questions you ask in addition to an acceptable price estimate, chances are good that you have found an insurance agent that can be relied on to service your policy.

Auto insurance claim statistics

What vehicles have the most claims? The claim statistics below show the worst and best vehicle models for overall likelihood of filing claims for each type of coverage.

The most affordable rates come from being thorough

When searching for low cost Scottsdale car insurance quotes, do not buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

We just covered many tips how you can reduce auto insurance premium rates online in Scottsdale. It’s most important to understand that the more you quote Scottsdale car insurance, the better your comparison will be. You may even be surprised to find that the best premium rates are with the smaller companies. Regional companies may often insure only within specific states and give better rates compared to the large companies like Allstate or State Farm.

More tips and info about auto insurance is located at these sites:

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance Quotes for High Risk Drivers in Phoenix? (FAQ)
• What Car Insurance is Cheapest for Drivers Requiring a SR22 in Phoenix? (FAQ)
• Who Has the Cheapest Car Insurance for a Chevrolet Malibu in Phoenix? (FAQ)
• Your Car has been Stolen: Now What? (Allstate)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• Drunk Driving Statistics (Insurance Information Institute)