This would be a really short article if we could just give you the name of the one auto insurance company that has the best car insurance rates in Arizona. Regrettably, it’s not quite that easy, as there are a lot of unknown elements like your credit history, the level of liability coverage you want, how far you drive each year, and if you own or rent your home, that help determine the price you have to pay. We are going to cover the best ways to find cheap auto insurance and also should give you some help in finding cheaper rates.
The vehicle model driven is one of the largest considerations in finding cheap auto insurance for real estate agents. Vehicles with lots of horsepower, a lack of safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer models.
The next table ranks coverage premiums for the most affordable automobiles to buy insurance for.
|Vehicle||Estimated Cost for Full Coverage|
|Dodge Grand Caravan SE||$1,440|
|Honda CR-V LX 4WD||$1,468|
|Ford Escape XLT 2WD||$1,475|
|Toyota RAV4 Limited 2WD||$1,517|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,574|
|Honda Accord LX-P 4-Dr Sedan||$1,576|
|Toyota Camry SE||$1,597|
|Ford Edge Sport 2WD||$1,605|
|Nissan Rogue S AWD||$1,625|
|Chevrolet Malibu LTZ||$1,628|
|GMC Sierra SL Crew Cab 4WD||$1,638|
|Nissan Altima Hybrid 4-Dr Sedan||$1,628|
|Chevrolet Impala LS||$1,710|
|Ford F-150 XL Super Cab 2WD||$1,726|
|Chevrolet Equinox LS AWD||$1,741|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,775|
|Honda Civic LX 4-Dr Sedan||$1,800|
|Ford Focus SEL 4-Dr Sedan||$1,807|
|GMC Sierra 2500HD SLT Extended Cab 2WD||$1,816|
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in zip code location which can lower or raise coverage rates noticeably.
Looking at the rates, we can assume that cars like the Dodge Grand Caravan, Honda CR-V, Ford Escape, and Toyota RAV4 will definitely be the more affordable vehicles to insure for realtors.
Figuring out which companies quote the best insurance rates for real estate agents will involve more time in order to find a policy that fits your budget. Every insurance company uses their own calculation for filing rates in each state, so let’s look at the rankings for the most budget-friendly insurance companies in Arizona.
We do need to point out that Scottsdale insurance rates are based on many factors which can significantly increase or decrease the policy premium. Simply getting older, moving across town, or getting a few speeding tickets may cause policy rate changes resulting in some rates now being more affordable than the competition.
Find Cheaper Car Insurance for Realtors
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,297|
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The Hartford offers some of the most affordable car insurance rates in Scottsdale at around $811 a year. Safeco, Auto-Owners, USAA, and Travelers are also some of the best Scottsdale, AZ auto insurance companies.
In this example, if you are insured with USAA and switched to Safeco, you might realize yearly savings of around $195. Arizona drivers with Travelers could save as much as $212 a year, and GEICO insureds might reduce rates by $235 a year.
It’s important to note that these premium estimates are averaged across all types of drivers and the different vehicles they drive and are not factoring in an exact location for real estate agents. So the insurer that has the cheapest rates for you may not even be in the list above. That helps illustrate why you need to get car insurance quotes using your own specific driver and vehicle information.
For realtors, one of the big considerations that are looked at to determine the amount you pay each year for auto insurance is where you normally keep your vehicle in Scottsdale. Areas with high crime rates or more dense population will most likely have higher rates, whereas less populated areas can boast about having cheaper rates.
The illustration below shows the most expensive places in Arizona for real estate agents to purchase car insurance in. Scottsdale is ranked #4 with an annual cost of $1,163 for the average policyholder, which is about $97 per month.
|Rank||City||Average Per Year|
|5||San Tan Valley||$1,161|
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Prices are estimated as specific Scottsdale zip code can increase or decrease premium rates substantially.
The diagram below shows how choosing a deductible can raise or lower insurance costs when quoting cheap insurance for real estate agents. The rate quotes are based on a married male driver, full coverage, and no discounts are taken into consideration.
A 50-year-old driver could cut expenses by $210 a year by switching from a $100 deductible to a $500 deductible, or save $316 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could drop their prices up to $694 annually just by choosing higher deductibles when buying full coverage.
When using a larger deductible, it is important to have plenty of discretionary funds to allow you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Finding the best car insurance provider can be a challenge considering how many companies provide coverage in Arizona. The company rank data in the lists below can help you decide which car insurance providers to look at when comparing rates. These rankings are only comprised of companies with a national presence, so smaller companies that only insure vehicles in Arizona are not factored into this 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%
Top 10 Major Auto Insurance Providers Overall in Scottsdale
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Responsible drivers pay cheaper Scottsdale insurance rates
A great way to enjoy the most affordable insurance rates for realtors is to be a careful driver and avoid tickets and accidents. The illustration below demonstrates how traffic citations and at-fault claims impact yearly insurance costs for different age categories. The rate quotes are based on a married female driver, full coverage, $500 deductibles, and no discounts are factored in.
In the previous example, the average cost of auto insurance in Arizona per year with a clean driving record and no accidents is $1,447. Receive two speeding tickets and the average cost jumps to $2,054, an increase of $606 each year. Now include one accident along with the two speeding tickets and the 12-month cost of insurance for real estate agents jumps again to an average of $2,676. That’s an increase of $1,229, or $102 per month, just for being a little careless behind the wheel!
How to find budget-friendly insurance for real estate agents
The list below details some money-saving solutions that can help Arizona drivers get more affordable coverage.
- Do not insure for full coverage
- Drive vehicles with five-star safety ratings
- Do not get traffic violations
- Raise your physical damage coverage deductibles
- Increase your credit score
- Being accident-free can lower rates significantly
- Check for cheaper rates once a year
The last tip is very important, as we hit on in the prior information. Coverage prices in Scottsdale adjust frequently, so drivers shouldn’t hesitate to change insurance companies if a lower-cost policy is available.
Many consumers stick with the same company and that’s fine, but it’s not a great idea if that faithfulness ends up costing you a fortune every year. Spend a few minutes and compare rates and find cheaper auto insurance for real estate agents.
If you like to have a little guidance when trying to find lower insurance rates for realtors, the professional agents shown below can help you determine which car insurance company is the best fit.
To locate an agency near you, click the link at the bottom or click here to compare price quotes.
Joe Dufek – State Farm Insurance Agent
5425 E Bell Rd #108 – Scottsdale, AZ 85254 – (602) 493-5300
Allstate Insurance: Schubert Insurance and Financial Svcs
20731 N Scottsdale Rd – Scottsdale, AZ 85255 – (480) 515-6259
Leavitt Group – Powers-Leavitt Insurance Agency
14301 N 87th St Suite 308 – Scottsdale, AZ 85260 – (480) 348-1100
Manny Birch – State Farm Insurance Agent
7297 N Scottsdale Rd Ste 1001 – Scottsdale, AZ 85253 – (602) 279-4383