The words “low-priced” and “auto insurance” really shouldn’t be used together, in particular when comparison shopping for the best car insurance for government employees. Because of the high cost, let’s familiarize you with a few of the things that influence car insurance premiums, and come up with some ideas to shave a little off your next policy.
The type of vehicle requiring coverage is one of the biggest factors that determines if you can find cheap insurance for government employees. Vehicles with lots of speed or power, a lack of modern safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer models.
The information below shows coverage prices for a selection of the most cost-effective vehicles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$1,382|
|Honda CR-V EX 4WD||$1,414|
|Chevrolet Impala LS||$1,603|
|Ford Focus S 4-Dr Sedan||$1,611|
|Volkswagen Jetta LE 4-Dr Sedan||$1,635|
|Toyota Camry SE||$1,720|
|Jeep Grand Cherokee Limited 4WD||$1,750|
|Kia Optima LX||$1,755|
|Ford Edge SEL 2WD||$1,838|
|Honda Accord EX 2-Dr Coupe||$1,841|
|Nissan Rogue SL AWD||$1,851|
|Chevrolet Silverado LS Regular Cab 4WD||$1,859|
|GMC Sierra 2500HD SLE Regular Cab 2WD||$1,870|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,878|
|Ford Fusion S 4-Dr Sedan||$1,873|
|Toyota RAV4 Limited 4WD||$1,881|
|Dodge Grand Caravan SXT||$1,907|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,937|
|Hyundai Elantra Blue 4-Dr Sedan||$1,946|
|Honda Odyssey EX-L||$1,971|
|Toyota Corolla LE||$1,980|
|Chevrolet Equinox LS 2WD||$2,006|
|Start Your Quote Go|
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can alter rates considerably.
Looking at the data, you can expect makes and models like the Ford Escape, Honda CR-V, Chevrolet Impala, and Ford Focus are likely to be the most affordable vehicles to insure for state and federal workers.
For state and federal workers, one of the more important factors that help determine the annual cost of car insurance is where you keep your car. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.
The table below shows the priciest cities in Arizona for government employees to buy an auto insurance policy in. Scottsdale is listed at #10 with an annual premium of $1,117 for coverage, which is about $93 monthly.
|Rank||City||Average Per Year|
|3||San Tan Valley||$1,185|
|25||Lake Havasu City||$870|
|Find the Best Rates Go|
Premium costs are comparative as the vehicle garaging location can change price quotes noticeably.
Finding reliable, cheap insurance is not always easy, and finding out which company has the cheapest insurance rates for government employees will require even more perseverance.
Every car insurance company has their own process to set their prices, so first we will examine the insurance companies with the overall cheapest rates in Scottsdale.
Compare Cheap Insurance Quotes in Arizona
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,247|
|Get Personalized Rates Go|
The Hartford offers some of the lowest car insurance rates in Scottsdale at around $845 each year. This is $583 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also some of the lowest-priced Scottsdale, AZ car insurance companies.
As shown in the table above, if you buy coverage from Safeco and switched to The Hartford, you may see a yearly price reduction of in the neighborhood of $87. Drivers with USAA could save as much as $235 a year, and Travelers policyholders might cut rates by $274 a year.
Be aware that those premium estimates are averages for all drivers and vehicles and are not factoring in an exact zip code location for government employees. So the company that is best for you may not even be in the top 28 companies shown above. That affirms the importance of why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.
Discounts on Scottsdale car insurance
Auto insurance companies that sell policies for government employees could also offer discounts that could lower prices by 40% or more if you meet the requirements. The best insurance companies and their offered discounts include:
- GEICO policyholders can earn discounts including air bags, anti-theft, defensive driver, seat belt use, five-year accident-free, military active duty, and good student.
- Travelers may have discounts that include student away at school, payment discounts, save driver, hybrid/electric vehicle, multi-policy, new car, and continuous insurance.
- Farm Bureau offers premium reductions for 55 and retired, multi-vehicle, multi-policy, safe driver, driver training, renewal discount, and good student.
- Liberty Mutual offers discounts including newly married, preferred payment discount, hybrid vehicle, good student, and newly retired.
- American Family discounts include defensive driver, Steer into Savings, TimeAway discount, multi-vehicle, mySafetyValet, and good student.
- Progressive has savings for multi-policy, online quote discount, good student, multi-vehicle, continuous coverage, and online signing.
The diagram below visualizes the comparison of yearly insurance costs with and without discounts. The costs are based on a male driver, no accidents, no driving violations, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, claim-free, anti-theft, passive restraint, accident-free, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theamount saved on insurance for government employees is 28% or $650.
How to find a good Scottsdale insurance company
Selecting a highly-rated company is difficult considering how many choices there are in Arizona. The company rank data below can help you choose which car insurance providers you want to consider purchasing a policy from. The rankings below are only made up of the largest companies in America, so companies that only write business in Arizona or surrounding areas are not included in the list.
Top 10 Major Auto Insurance Providers in Scottsdale Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Difference between liability only and full coverage rates
Lowering the price of insurance is probably important to most people, and a good way to save on the cost of insurance for government employees is to only buy liability insurance. The chart below illustrates the difference between insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no tickets, no at-fault accidents, $100 deductibles, single status, and no discounts are taken into consideration.
On average, full coverage costs $2,345 per year over and above liability coverage. That is a large expense and it proposes the question if physical damage coverage is worth the money. There is no specific rule to exclude physical damage insurance, but there is a general convention. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
There are some conditions where dropping full coverage is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.
How to find budget-friendly insurance for government employees
Lowering your rates is not difficult, and here are some of the recommended money-saving ideas that can help Scottsdale drivers buy lower-cost auto insurance.
- Good credit can save money
- Avoid at-fault accidents and claims
- Avoid speeding and other traffic citations and pay less
- Raise physical damage deductibles
- Buy vehicles with five-star safety ratings
- Shop around for cheaper prices
The last tip in the list is extremely significant, as we pointed out in this article. Prices charged by car insurance companies change constantly, so drivers shouldn’t be reluctant to switch carriers if you can save money.
Having a favorite company is fine, but is isn’t recommended if that devotion results in you overpaying money that could be spent on other things. It only takes a couple minutes to compare prices to find cheaper car insurance for government employees in Scottsdale.
If you aren’t clear which coverage you need and would like to have some professional guidance when shopping for the best coverage for government employees, the agents below are a good start to aid you in deciding which auto insurance policy fits you best. To find a Scottsdale insurance agency in your neighborhood, click the link at the bottom.
Scott Holly – State Farm Insurance Agent
4014 N Goldwater Blvd Ste 202 – Scottsdale, AZ 85251 – (480) 949-7204
State Farm: Jeremy Mueller
23341 N Pima Rd D139, Scottsdale 85255 – 23341 N Pima Rd D139, AZ 85255 – (480) 515-5223
Denise Knobbe – State Farm Insurance Agent
10814 N Scottsdale Rd – Scottsdale, AZ 85254 – (480) 905-1019
Joe Dufek – State Farm Insurance Agent
5425 E Bell Rd #108 – Scottsdale, AZ 85254 – (602) 493-5300