Finding out which company quotes the cheapest insurance rates for unemployed drivers will involve a bit more effort in order to find the best price. Each insurer has a unique formula to determine rates, so we’ll go over the insurance companies that tend to be cheaper in Scottsdale.
It’s important that readers know that Scottsdale insurance rates are calculated based on many things which can substantially change the cost of having a policy. Simply having another birthday, becoming a homeowner, or having an accident can produce rate changes resulting in some rates now being cheaper than competitors.
Find the Cheapest Car Insurance for Job Seekers
The Hartford normally has some of the cheapest car insurance rates in Scottsdale at around $820 a year. This is $608 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA would also be considered some of the most economical Scottsdale, AZ insurance companies.
As shown in the table above, if you currently buy coverage from Travelers and switched to Safeco, you may realize savings of about $196. Arizona drivers with USAA might save as much as $201 a year, and Progressive policyholders might reduce rates by $207 a year.
To find cheaper insurance rates for your vehicle, click here or click through to the companies below.
These policy rates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a specific location for unemployed drivers. So the auto insurance company that fits your needs best may not even be in the list above. That’s why you need to get quotes using your own driver data and vehicle information.
The make and model of vehicle requiring coverage is one of the largest factors in finding the best auto insurance for unemployed drivers. Vehicles with limited speed and performance, a great safety record, or a track record of few liability claims will cost less to insure than high performance models. The next table illustrates auto insurance rates for some of the most economical vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,360|
|Ford Escape XLT 4WD||$1,392|
|Jeep Wrangler Sport 4WD 2-Dr||$1,410|
|Chevrolet Malibu Hybrid||$1,609|
|Toyota Corolla S||$1,693|
|Jeep Grand Cherokee Limited 4WD||$1,723|
|GMC Sierra SLT Crew Cab 2WD||$1,731|
|Hyundai Sonata GLS 4-Dr Sedan||$1,725|
|Chevrolet Silverado LS Extended Cab 2WD||$1,732|
|Ford Focus S 4-Dr Sedan||$1,807|
|Ford Edge Limited 2WD||$1,813|
|Honda Accord EX 2-Dr Coupe||$1,810|
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Prices above 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, claim-free, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in specific location information which can impact prices noticeably.
Looking at the numbers, we can conclude that models like the Honda CR-V, Ford Escape, Jeep Wrangler, and Chevrolet Malibu are likely to be a few of the more affordable vehicles to insure for the unemployed.
Picking the highest-rated insurance provider is hard considering how many different companies sell coverage in Scottsdale. The company rank data in the next section may help you choose which providers to look at when trying to find cheaper insurance for unemployed drivers.
These rankings are only made up of the largest auto insurers in America, so companies with more of a regional focus are not taken into consideration for these rankings. To compare prices and find the cheapest rates for unemployed drivers, follow this link.
Top 10 Large Car 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%
Top 10 Large Car 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+
Rate comparison of full coverage and liability-only
Saving on insurance should be important to the majority of drivers, and one common way to pay less for insurance for unemployed drivers is to not pay for full coverage. The example below compares annual premium costs with and without physical damage coverage. The rate quotes are based on no accidents or driving violations, $250 deductibles, marital status is single, and no policy discounts are applied.
If we average the cost for all age groups, physical damage coverage on your policy costs an extra $1,579 per year more than just insuring for liability. Lot’s of drivers question if physical damage coverage is worth the money. There is no definitive guideline to drop physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your vehicle’s replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $8,000 after you pay the deductible. If you are currently paying more than $800 a year for full coverage, then it may be the right time to buy liability only.
There are some conditions where only buying liability is not advised. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Insurance rate increases from tickets or accidents
In a perfect world, the ideal way to score cheap insurance rates in Arizona for the unemployed is to drive safe and avoid at-fault accidents and violations. The example below illustrates how violations and accident claims can increase insurance costs for different age groups. The premiums are based on a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of an auto insurance policy in Arizona per year with a clean driving record and no accidents is $1,209. Receive two speeding tickets and the average cost hikes up to $1,661, an increase of $452 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of insurance for unemployed drivers jumps again to an average of $3,429. That’s an increase of $2,221, or $185 per month, just for not driving safely!
How to find more affordable auto insurance for unemployed drivers
It’s not impossible to find cheaper rates, and here are many money-saving solutions that can help Arizona drivers locate cheap coverage.
- Being accident-free can lower rates significantly
- Improve your credit score
- Higher deductibles mean lower rates
- Do not get tickets
- Buy a vehicle with excellent safety ratings
- Compare rate quotes frequently
The final tip is extremely vital, as was affirmed in the article above. Coverage rates fluctuate considerably, so drivers shouldn’t be resistant to switch to a new company if you can save money.
Having a favorite company is fine, but it’s not a good idea if that loyalty ends up costing potentially thousands of dollars a year. It takes less than five minutes to compare rates and find cheaper insurance for unemployed drivers in Scottsdale.
The insurance agencies listed below can answer your questions and help you decide which coverages you need, as some people have coverage questions and would like to have the advice of a professional agent when trying to find the best insurance rates for unemployed drivers. It can be hard to find the best coverage on your own, and agents can provide comfort knowing your policy gives you sufficient protection if you have a claim. To locate a Scottsdale auto insurance agent by location nearest to you, click the button following the list.
Matt Funicello – State Farm Insurance Agent
8102 E McDowell Rd #1b – Scottsdale, AZ 85257 – (480) 994-4304
Desert Mountain Insurance Services – Medical Malpractice
2918 N 67th Pl – Scottsdale, AZ 85251 – (480) 348-2200
Robert Smith – State Farm Insurance Agent
7505 E 6th Ave Ste 204 – Scottsdale, AZ 85251 – (480) 588-6456
American Family Insurance – Denis Zdrale
7001 N Scottsdale Rd #1045 – Paradise Valley, AZ 85253 – (480) 951-0115
Brandon Mueller – State Farm Insurance Agent
6149 N Scottsdale Rd #106 – Scottsdale, AZ 85250 – (480) 991-0119