Finding decent, budget insurance is confusing at best, and figuring out which company quotes the cheapest car insurance rates for infrequent drivers requires a bit more work. Each insurance company has a unique approach for establishing rates, so we’ll take a look at the car insurance companies that tend to have lower prices in Scottsdale.
It’s a good idea to be aware that Scottsdale car insurance rates are calculated based on many things which can substantially change the policy premium. This price variability is why consumers need to compare rates to get cheap insurance rates for infrequent drivers. Auto insurance prices can be altered by many risk factors and can increase or decrease at any time, so the best company the last time you checked may now be costing you a lot of money.
Best Auto Insurance Prices in Arizona
|Rank||Company||Cost Per Year|
|12||Farm Bureau Mutual||$1,297|
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The Hartford offers some of the most affordable car insurance rates in Scottsdale at around $836 a year. Auto-Owners, Safeco, USAA, and Travelers also make the cut as some of the lowest-priced Scottsdale, AZ insurance companies.
In the above rates, if you currently buy coverage from Travelers and switched to Auto-Owners, you might realize yearly savings of around $220. Customers with GEICO might save as much as $254 a year, and Progressive policyholders might realize rate reductions of up to $264 a year.
Bear in mind that those policy prices are averages for all ages of drivers and types of vehicles and do not take into consideration a specific zip code for infrequent drivers. So the auto insurance company that fits you best may not even be in the top 28 companies shown above. That is why you need to compare as many prices as possible using your own driver data and vehicle information.
The type of vehicle that needs insurance is one of the largest factors when looking for the best cheap auto insurance for infrequent drivers. Vehicles with high performance features, a lack of safety features, or a track record of large liability claims will cost significantly more to insure than safer models. The information below illustrates car insurance premiums for a number of the most economical vehicles to buy coverage for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,324|
|Ford Escape Limited 2WD||$1,352|
|Hyundai Elantra SE Touring Station Wagon||$1,438|
|Honda Odyssey LX||$1,456|
|Honda CR-V EX 2WD||$1,495|
|Volkswagen Jetta LE 4-Dr Sedan||$1,570|
|Nissan Altima 2.5 4-Dr Sedan||$1,577|
|Toyota RAV4 Limited 4WD||$1,570|
|GMC Sierra SL Extended Cab 2WD||$1,579|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,617|
|Ford Edge SE 2WD||$1,648|
|Chevrolet Equinox LTZ AWD||$1,684|
|Ford F-150 XL Super Cab 4WD||$1,687|
|Ford Explorer XLT 4WD||$1,692|
|Honda Civic EX-L 4-Dr Sedan||$1,739|
|Dodge Grand Caravan Crew||$1,754|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,760|
|Ford Focus SES 2-Dr Coupe||$1,767|
|Chevrolet Malibu LS||$1,770|
|Toyota Camry Hybrid||$1,796|
|Toyota Camry Hybrid||$1,801|
|Toyota Corolla LE||$1,814|
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can increase or decrease premiums substantially.
Based upon the table data, we can assume that models like the Honda Accord, Ford Escape, and Hyundai Elantra are most likely going to be some of the most affordable vehicles to insure for low mileage drivers.
The diagram below demonstrates how deductible levels can affect insurance costs when searching for cheap insurance for infrequent drivers. The prices are based on a single male driver, full coverage, and no discounts are factored in.
The data above shows that a 50-year-old driver could pocket $334 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $502 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, could roll back prices as much as $1,114 or even more just by choosing higher deductibles.
If you make the decision to raise deductibles, it will be required to have plenty of money set aside to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Car insurance companies ranked
Selecting the top insurance company can be difficult considering how many different insurance companies sell coverage in Scottsdale. The rank data displayed below may help you pick which auto insurance companies you want to consider when comparing auto insurance rates for infrequent drivers.
These ratings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies are not factored into this list. If you wish to compare prices from many more Arizona auto insurance companies, click this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
A good deal can quickly turn bad
Scottsdale, AZ car insurance rates are impacted by many factors that can increase the price of coverage. Simply getting older, buying a home instead of renting, or getting into an accident can trigger changes in premium resulting in some rates now being more affordable than competitors. Not only may your situation change, but insurers file new Arizona auto insurance rates as often as every quarter to reflect underwriting profits or losses. An unexpected high level of claims can result in rate increases, while a profitable period may result in cheaper Scottsdale car insurance rates.
To help illustrate this point, the data below shows which companies have the cheapest car insurance in Scottsdale, AZ for a 35-year-old male driver with a clear driving record, no claims, and a decent credit rating. If we estimate rates based on his current rating profile, The Hartford may have the best car insurance rates in Scottsdale at $1,053 annually. This is $375 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the list of the best Scottsdale, AZ auto insurance companies.
The example below compares rates after we give the driver from the first example some claims, less-than-perfect credit, and a speeding citation. Since each auto insurance company has their own guidelines to set premium rates, comparing quotes could result in a completely different list of companies as shown below.
GEICO now has the cheapest car insurance in Scottsdale with CSAA, Ameriprise Group, Allied, and Farm Bureau Mutual now rounding out the top five. This shows why it is critical to compare as many rates as possible when trying to find cheap insurance quotes for infrequent drivers. Car insurance prices consist of many factors and change substantially, so the best company the last time you shopped your coverage around may now be quite expensive.