The type of vehicle that needs insurance is one of the main factors when consumers are trying to find the best cheap car insurance for 4×4 vehicles. Vehicles with limited top-end speed, modern passenger safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models.
The data below estimates car insurance costs for some of the most cost-effective automobiles to insure in Arizona.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,624|
|Honda Accord LX 4-Dr Sedan||$1,632|
|Chevrolet Impala LS||$1,643|
|Honda CR-V EX 4WD||$1,659|
|Jeep Wrangler Sport 4WD 2-Dr||$1,681|
|Toyota Camry XLE||$1,764|
|Ford Escape XLT 4WD||$1,781|
|Toyota Corolla XRS||$1,797|
|Hyundai Sonata GLS 4-Dr Sedan||$1,805|
|Chevrolet Silverado LT Extended Cab 2WD||$1,806|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$1,797|
|Ford Focus S 4-Dr Sedan||$1,883|
|Chevrolet Malibu LS||$1,918|
|Ford Explorer Eddie Bauer 2WD||$1,948|
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in Scottsdale, AZ location which can raise or lower coverage rates considerably.
Based on these rates, we can assume that makes and models like the Hyundai Elantra, Honda Accord, Chevrolet Impala, Honda CR-V, and Jeep Wrangler are likely to be some of the more affordable vehicles to insure for off-road vehicles.
One of the many criteria that are used to help calculate the amount you pay for auto insurance is the neighborhood you call home. Areas with more people or higher crime rates likely pay more, whereas areas with less crime or weather claims tend to receive slightly lower rates.
The table below ranks the priciest cities in Arizona for 4×4 vehicles in which to buy car insurance. Scottsdale ranks #4 with the yearly price of $1,163 for car insurance, which is approximately $97 each month.
|6||San Tan Valley||$1,150|
|25||Lake Havasu City||$844|
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Price information shown is estimated as the specific zip code location can alter price quotes significantly.
Price comparison of only insuring for liability
Finding cheaper auto insurance should be important to most people, and a great way to find cheaper insurance for 4×4 vehicles is to not buy comprehensive and collision coverage. The information below shows the difference between yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The prices are based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are factored in.
On average, comprehensive and collision coverage on your policy costs an extra $1,917 per year over and above liability coverage. That may make you wonder if it’s worth it to buy full coverage. There isn’t a steadfast formula for eliminating physical damage coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your vehicle’s claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after paying your policy deductible. If it’s costing in excess of $700 a year for comprehensive and collision coverage, then it might be time to buy liability only.
There are some situations where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.
Responsible drivers pay cheaper auto insurance rates
The easiest method to snag the cheapest auto insurance prices in Scottsdale for off-road vehicles is to be a careful driver and avoid getting tickets or having accidents. The information below highlights how speeding tickets and accident claims can raise insurance costs for different insured age categories. The rate quotes are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of an auto insurance policy in Arizona per year with no accidents and a clean driving record is $1,426. Add in one speeding ticket and the average cost increases to $1,643, an increase of $217 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of auto insurance for 4×4 vehicles jumps again to an average of $3,689. That’s an increase of $2,263, or $189 per month, just for not driving attentively!
How to find the cheapest car insurance for 4×4 vehicles
Lowering your rates is not difficult, and here are some of the better money-saving suggestions that can help you buy low-cost coverage.
- Save money by obeying traffic laws and keeping a clean driving record
- Buy safe vehicles
- Higher physical damage deductibles lower rates
- Clean up your credit
- Avoid at-fault accidents and claims
- Compare rates often to find the best deal
That last piece of advice is remarkably necessary, as was pointed out in the prior article. Coverage rates in Scottsdale fluctuate constantly, so don’t be hesitant to switch companies if a lower price can be found.
Sticking with a specific company is fine, but we do not recommend it if that inflexibility results in costing you several hundred dollars every year. Take a few minutes and compare prices and find cheaper auto insurance for 4×4 vehicles.
If you wish to have a consultation when trying to find lower insurance rates for 4×4 vehicles, the insurance agencies below can help you make a decision which is the best policy. To find an agent by location nearest to you, click the button at the bottom of the list.
Jim Wurbel – State Farm Insurance Agent
10789 N 90th St Ste 101 – Scottsdale, AZ 85260 – (480) 860-1090
State Farm: Randy Mueller
10575 N 114th St – Scottsdale, AZ 85259 – (480) 391-9390
Brandon Mueller – State Farm Insurance Agent
6149 N Scottsdale Rd #106 – Scottsdale, AZ 85250 – (480) 991-0119