Cheapest Car Insurance Exclusively for Scottsdale, AZ Residents

Nobody I know looks forward to buying car insurance, particularly when their premiums are through the roof.

Multiple car insurance companies compete for your business, and it can be difficult to compare rates and uncover the absolute lowest rate

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but you can get discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but a few need to be requested specifically before they will apply.

  • No Claims – Claim-free drivers pay less as compared to accident-prone drivers.
  • Student Driver Training – Have your child complete a driver education course if it’s offered in school.
  • Homeowners Discount – Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, companies wouldn’t make money that way. But any discount will cut your premiums.

For a list of providers with the best car insurance discounts in Scottsdale, click here to view.

How to Buy Scottsdale Car Insurance Online

The are a couple different ways of comparing rate quotes from different in Scottsdale, AZinsurance companies. One of the best ways to find the lowest rates consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

  1. One of the simplest ways to find the lowest comparison rates is a comparison rater form (click to open form in new window). This easy form saves time by eliminating a different quote for every car insurance company. One quote request gets rate comparisons instantly.
  2. A slightly less efficient method to analyze rates is to take the time to go to the website for every company you want to comare and fill out their own quote form. For examples sake, we’ll pretend you want to compare rates from USAA, Farmers and Allstate. To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in Scottsdale, click here.

However you get your quotes, make absolute certain that you use apples-to-apples coverages and limits on every quote you get. If you enter differing limits it’s impossible to determine which rate is truly the best in Scottsdale. Slightly different coverages can make a big difference in price. Just remember that more quotes gives you a better chance of getting the best price.

Tailor your coverage to you

When buying coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help you determine whether or not you might need an agent’s assistance.

  • Am I covered when driving someone else’s vehicle?
  • How many claims can I have before being cancelled?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my teen driver covered when they drive my company car?
  • Do I have coverage for damage caused while driving under the influence?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

free Scottsdale AZ insurance quote

What is YOUR best insurance company?

We just covered many ideas to reduce car insurance prices online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. They often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.