You have most likely seen the ads from car insurance companies like Allstate, GEICO, and Liberty Mutual claiming huge savings. So drivers should just choose the one with the most memorable commercial, right?
Unfortunately, it’s not that simple as there are a whole bunch of unknown aspects such as where you live in Scottsdale, if you are a homeowner, your gender, and your credit rating, that all go into determining the rate you pay. In this article, we will teach you about the types of things that cause high car insurance rates and will hopefully give you a good start in finding the cheapest insurance in Scottsdale.
For Uber vehicles, one of the largest criteria that are looked at to help calculate the amount you pay for auto insurance is where you live in Scottsdale. Larger areas tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims receive better rates.
The following table lists the priciest cities in Arizona for Uber drivers to purchase auto insurance in. Scottsdale ranks #4 with an annual cost of $1,163 for the average insurance policy, which is approximately $97 per month.
|5||San Tan Valley||$1,150|
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Price information shown is approximated as the specific geographic location can increase or decrease insurance rates considerably.
The vehicle needing coverage is one of the largest considerations when comparing quotes for low-priced car insurance for Uber drivers. Vehicles with economical engines, modern passenger safety features, or low incidents of liability claims will cost much less to insure than high performance models. The table below showcases coverage costs for the most budget-friendly automobiles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$1,494|
|Honda Accord LX 4-Dr Sedan||$1,637|
|Ford Edge SE 2WD||$1,640|
|Dodge Grand Caravan CV||$1,676|
|Honda CR-V EX-L 4WD||$1,731|
|Chevrolet Equinox LS 2WD||$1,769|
|Hyundai Elantra SE Touring Station Wagon||$1,783|
|Honda Civic EX 4-Dr Sedan||$1,830|
|Toyota Camry XLE||$1,866|
|Chevrolet Silverado LTZ Crew Cab 4WD||$1,899|
|Ford Explorer XLT AWD||$1,902|
|GMC Sierra 3500HD SLT Extended Cab 2WD||$1,932|
|Ford F-350 Super Cab Cabela Package 2WD||$1,941|
|Jeep Grand Cherokee Laredo 4WD||$1,937|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,987|
|Toyota RAV4 Sport 4WD||$1,995|
|Ford Focus SES 4-Dr Sedan||$2,006|
|Toyota Camry Hybrid||$2,026|
|Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD||$2,028|
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Information does not factor in vehicle location which can increase or decrease rates considerably.
Looking at the numbers, vehicles like the Ford Escape, Honda Accord, Ford Edge, Dodge Grand Caravan, and Honda CR-V should be some of the less-costly vehicles to insure for Uber vehicles.
Buying coverage from the best auto insurance company can be difficult considering how many companies sell insurance in Arizona. The information in the lists below may help you decide which coverage providers you want to consider when shopping around. These rankings are only made up of the largest auto insurers in America, so companies that focus mainly on Arizona business are not factored into these rankings.
Top 10 Large Auto Insurance Companies in Scottsdale Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Large Auto Insurance Companies 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%
How to get discounts on Scottsdale insurance
Insurance companies that offer cheap quotes for Uber drivers may also provide price discounts that may potentially lower prices by as much as 40% or more if you qualify for them. A list of companies and their offered discounts include:
- 21st Century offers discounts including defensive driver, 55 and older, theft prevention, automatic seat belts, early bird, homeowners, and good student.
- State Farm offers discounts for anti-theft, passive restraint, Steer Clear safe driver discount, good student, and defensive driving training.
- AAA offers premium reductions for anti-theft, good driver, AAA membership discount, pay-in-full, and multi-car.
- Liberty Mutual has savings for multi-car, new vehicle discount, teen driver discount, good student, and exclusive group savings.
- Progressive may have discounts that include homeowner, online quote discount, multi-policy, multi-vehicle, and online signing.
The diagram below shows the difference between premium costs with and without discounts applied to the policy rates. The prices are based on a female driver, no violations or claims, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, defensive driving course, accident-free, multiple vehicle, multiple policy, and claim-free discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for Uber drivers is 28% or $556.
Ideas for buying low-cost car insurance for Uber drivers
Below you’ll find some of the better money-saving solutions that can help Arizona drivers find cheap coverage.
- Avoid at-fault accidents and claims
- Buy a car with high safety ratings
- Save money by obeying traffic laws and keeping a clean driving record
- Claim-free policyholders usually earn a discount
- Bundle home and auto and save
- Compare rate quotes often
The final tip is very critical, as was affirmed in the article above. Prices charged by companies fluctuate constantly, so drivers shouldn’t be reluctant to switch companies if a lower price can be found. Staying with the same car insurance company is fine, but it’s not a great idea if it’s costing you big bucks every year. It only takes a couple minutes to shop around to find cheaper auto insurance for Uber drivers in Scottsdale.
If you aren’t clear which coverage you need and would like to have a professional recommendation when comparing insurance rates for Uber drivers, the insurance agencies listed below can most likely help you decide which car insurance policy is best.
To locate a Scottsdale insurance agent by location nearest to you, click the button after the list.
Dwayne Aaron – State Farm Insurance Agent
14555 N Scottsdale Rd #120 – Scottsdale, AZ 85254 – (480) 948-2005
Allstate Insurance: Schubert Insurance and Financial Svcs
20731 N Scottsdale Rd – Scottsdale, AZ 85255 – (480) 515-6259
Hartford Insurance Agent
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800
Craig Smith – Farmers Insurance – Scottsdale
9332 E Raintree Dr #140 – Scottsdale, AZ 85260 – (480) 657-7906
American Family Insurance – Denis Zdrale
7001 N Scottsdale Rd #1045 – Paradise Valley, AZ 85253 – (480) 951-0115