The words “low-priced” and “insurance” really should not be used together, especially when comparison shopping for the cheapest auto insurance for high mileage drivers. Because it’s not cheap, let’s get started by showing you some of the things that have an impact on insurance premiums, and find some ways to reduce the cost of your next policy.
The type of vehicle that needs insurance is probably the biggest factor when shopping for low-cost auto insurance for high mileage drivers. Vehicles with economical engines, good safety features, or a low likelihood of liability claims will cost substantially less to insure than higher performance models. The data below shows coverage costs for some of the most affordable automobiles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Hyundai Elantra SE Touring Station Wagon||$1,468|
|Ford Escape XLS 2WD||$1,479|
|Honda CR-V LX 4WD||$1,526|
|Ford F-150 XL Regular Cab 2WD||$1,597|
|Chevrolet Silverado LS Regular Cab 2WD||$1,602|
|Honda Odyssey LX||$1,623|
|Ford Explorer Limited 2WD||$1,636|
|Toyota Tacoma X-Runner 2WD||$1,691|
|Ford Edge Sport 2WD||$1,691|
|Ford Fusion Sport 4-Dr Sedan||$1,723|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$1,736|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$1,752|
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific location information which can raise or lower premium rates greatly.
Based upon these rates, we can presume that vehicles like the Hyundai Elantra, Ford Escape, Honda CR-V, and Ford F-150 are going to be the less-costly vehicles to insure for high mileage drivers.
Locating low-priced car insurance is difficult, and figuring out which company quotes the most affordable auto insurance rates for high mileage drivers may require even more perseverance.
Each auto insurance company uses a little different formula for establishing rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Arizona. It’s important to know that Arizona auto insurance rates are determined by lots of factors that control the cost of a policy. Improving your credit rating, buying another vehicle, or getting a ticket for careless driving can trigger changes in premium resulting in some companies being cheaper than others.
Best Auto Insurance Prices in Arizona
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,247|
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The Hartford has some of the lowest car insurance rates in Scottsdale at around $820 a year. Safeco, Auto-Owners, Travelers, and Progressive also rank well as some of the more affordable Scottsdale, AZ auto insurance companies.
In the above example, if you have coverage with Progressive and switched to Safeco, you might achieve an annual premium reduction of in the vicinity of $222. Insureds with USAA might save as much as $228 a year, and GEICO customers might reduce prices by as much as $270 a year.
To see how much you can save, click here to start your custom quote or visit any of the low-priced companies below.
These premiums are averages across all drivers and vehicles and do not take into consideration a specific location for high mileage drivers. So the insurer that fits your situation best may not even be in the top 28 companies in the list above. That is why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
Tickets and at-fault accidents raise rates
A great way to find the best auto insurance prices in Scottsdale for high mileage drivers is to pay attention while driving and not have accidents or get tickets. The chart below highlights how speeding tickets and at-fault fender-benders can drive up insurance rates for each age group. The premiums are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
The data charted above shows the average cost of car insurance in Arizona per year with a clean driving record and no accidents is $2,221. Get written up for two speeding tickets and the average cost surges to $2,992, an increase of $770 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for high mileage drivers jumps again to an average of $3,770. That’s an increase of $1,549, or $129 per month, just for not driving safely!
Insuring your vehicle with the top insurance company is hard considering how many companies sell coverage in Arizona. The company rank data in the next section may help you choose which providers to look at when shopping around. These rankings only include large, nationwide insurance companies, so companies that may only write in Arizona will not be included in these rankings.
Top 10 Large Auto Insurance Companies in Scottsdale Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Auto Insurance Companies in Scottsdale Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
You are probably paying too much for car insurance
Scottsdale auto insurance rates are impacted by many things that can increase the price you pay. Turning one year older, becoming a homeowner, or having an at-fault accident may prompt premium changes resulting in some companies being cheaper in comparison to the competition. Not only may your risk profile change, but car insurance companies modify rates multiple times each year in order to be able to pay unexpected claims. Higher than usual claims can result in additional price hikes, while lower claim levels can produce lower-cost Scottsdale car insurance rates.
To help illustrate this point, the data below shows rates for the cheapest car insurance in Scottsdale, AZ for a 30-year-old female driver with a clear driving record, no claims, and good credit. If we compare prices based on her personal risk profile, The Hartford may have the lowest car insurance rates in Scottsdale at $1,096 a year. This is $332 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also make the list of the top five cheapest Scottsdale, AZ auto insurance companies.
Now we will pretend the driver from the above example a claim, poor credit, and a speeding citation. Because every insurance company has their own guidelines for setting prices, comparing quotes may now present a different ranking of companies as shown below.
GEICO now has the cheapest car insurance in Scottsdale with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual also being competitive. This example shows why it is so important to perform an extensive rate comparison to find the best car insurance quotes for high mileage drivers.
Prices can be determined by many factors and change dramatically, so the cheapest company the last time you compared rates may now be an over-priced policy.
How to find the cheapest insurance for high mileage drivers
Lowering your rates is not difficult, and here are some of the better thrifty ideas that can help Scottsdale drivers find cheap car insurance.
- Do not insure for full coverage
- Bundle car and home insurance and save money
- Having at-fault accidents will increase rates
- Choose a safer vehicle and pay lower rates
- Good credit scores may make rates cheaper
- Compare rates regularly and switch companies to save money
The last tip in the list is extremely important, as was noted in this article. Rates can change considerably based on profitability, so drivers shouldn’t hesitate to change insurance companies if you can save money.
Staying with the same company for years is fine, but we do not recommend it if that stubbornness costs you major coinage every year. In just a couple of minutes you could shop around and find cheaper insurance for high mileage drivers in Scottsdale.
If you prefer to have some advice when buying car insurance for high mileage drivers, the agents below are willing to help you determine which auto insurance policy would work best for you. To find a Scottsdale insurance agency close to where you live, click the link at the bottom.
- Arizona Insurance Services
7950 E Acoma Dr # 205 – Scottsdale, AZ 85260 – (480) 778-9700
- American Family Insurance – J M Chapman Agency Inc
7055 E Thomas Rd – Scottsdale, AZ 85251 – (480) 945-7122
- Good’s Insurance Agency, Inc. – South West
33725 N Scottsdale Rd #125h – Scottsdale, AZ 85266 – (877) 208-6690