For a learners permit, one of the big considerations that are looked at to determine the cost of insurance is where you live. Regions with larger populations or more claims will most likely have higher rates, whereas areas with less crime or weather claims have the benefit of cheaper auto insurance prices.
The next table rates the highest-priced places in Arizona for a school permit in which to buy car insurance. Scottsdale ranks #6 with the annual price of $1,129 for the average policyholder, which is about $94 monthly.
|4||San Tan Valley||$1,161|
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Premium amounts are approximated as the garaging address in Scottsdale can lower or raise premiums noticeably.
Finding affordable insurance is easier said than done, and figuring out which company offers the cheapest car insurance rates for a school permit may require even more work. Every car insurance company uses their own formula for determining rates in each state, so first we will examine the most budget-friendly car insurance companies in Arizona.
We do need to point out that Scottsdale car insurance rates are calculated based on many things that may substantially change the price you have to pay for coverage. This price fluctuation is why it is critical to take the time to shop around to get the most budget-friendly car insurance rates for a school permit. Car insurance prices can be determined by many different factors and change dramatically, so the cheapest company a year ago may now be an over-priced policy.
Best Insurance Companies for Students
The Hartford generally has some of the lowest car insurance rates in Scottsdale at around $845 annually. Auto-Owners, Safeco, Travelers, and Progressive also rank well as some of the cheapest Scottsdale, AZ car insurance companies.
In the above example, if you are a customer of Safeco and switched to The Hartford, you could see annual savings of in the neighborhood of $78. Insureds with Travelers could save as much as $230 a year, and Progressive customers might reduce prices by as much as $273 a year.
It’s important to note that these policy rates are averaged for all drivers and vehicles and are not factoring in a vehicle location for a school permit. So the insurer that fits your situation best may not even be in the top 28 companies shown above. That affirms the importance of why you need to get rate quotes using your own driver information and specific vehicle type.
The type of vehicle you are seeking coverage for is a large factor in finding cheap coverage for a school permit. Vehicles with lower acceleration and performance, advanced safety features, or a positive history of liability claims will cost substantially less to insure than high performance models.
The table below ranks insurance premiums for a handful of the cheapest automobiles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$5,434|
|Ford Escape Limited 2WD||$5,492|
|Jeep Wrangler Rubicon 4WD 2-Dr||$6,094|
|Volkswagen Jetta 2.0T Station Wagon||$6,261|
|Ford Edge SEL 2WD||$6,392|
|Ford Focus S 4-Dr Sedan||$6,401|
|Toyota RAV4 Sport 4WD||$6,450|
|Chevrolet Impala LT||$6,457|
|Nissan Altima 2.5 4-Dr Sedan||$6,450|
|Dodge Grand Caravan Hero||$6,458|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$6,507|
|Ford Explorer Limited 2WD||$6,515|
|Ford F-150 Lariat Super Cab 4WD||$6,507|
|Toyota Corolla S||$6,805|
|Hyundai Elantra SE 4-Dr Sedan||$6,812|
|Honda Odyssey EX-L W/Rear Entertainment||$6,805|
|Chevrolet Malibu LTZ||$6,863|
|Chevrolet Silverado LT Crew Cab 4WD||$6,871|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$6,863|
|Chevrolet Equinox LTZ AWD||$6,869|
|Ford Fusion SE 4-Dr Sedan||$6,863|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$6,870|
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Premium data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific Scottsdale, AZ garaging location which can influence coverage prices significantly.
Based on these rates, we can assume that makes and models like the Honda CR-V, Ford Escape, Toyota Prius, and Jeep Wrangler should be some of the more affordable vehicles to insure for a learners permit. Prices will tend to be more expensive because of the fact that there is more inherent risk for a school permit, but in general those vehicles will most likely have the cheapest rates available.
Types of discounts on Scottsdale car insurance
Insurance providers that offer cheap quotes for a school permit may provide discounts that could reduce prices by as much as 35% or more if you are eligible to receive them. Companies and a summarized list of policyholder discounts are:
- State Farm has savings for Steer Clear safe driver discount, multiple autos, good student, driver’s education, and defensive driving training.
- American Family may include discounts for good student, air bags, early bird, multi-vehicle, defensive driver, mySafetyValet, and accident-free.
- AAA offers discounts including AAA membership discount, good driver, pay-in-full, good student, anti-theft, and multi-policy.
- GEICO may offer discounts for seat belt use, membership and employees, emergency military deployment, driver training, defensive driver, multi-vehicle, and military active duty.
- Mercury Insurance may have discounts that include annual mileage, accident-free, ease of repair, multi-car, and good student.
- Farmers Insurance has discounts for distant student, electronic funds transfer, mature driver, bundle discounts, pay in full, and good student.
- Progressive offers discounts for online signing, good student, multi-policy, online quote discount, multi-vehicle, and homeowner.
The diagram below visualizes the comparison of premium costs with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no accidents or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with continuous coverage, paid-in-full, vehicle safety, passive restraint, paperless filing, and anti-theft discounts applied. When these discounts are applied, theaverage yearly reduction on car insurance for a school permit is 28% or $753.
Cost comparison with and without full coverage
Saving on car insurance is probably important to most people, and one easy way to find cheap insurance for a school permit is to not buy comprehensive and collision coverage. The information below shows the difference between insurance prices with liability coverage only compared to full coverage. The rate quotes are based on no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
If the expense is averaged for all age categories, physical damage coverage on your policy costs $1,681 per year more than carrying just liability coverage. Many drivers may wonder if buying full coverage is worth the money. There is no exact formula of when to eliminate physical damage insurance, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.
Why you should shop around
Scottsdale car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of having a policy. Simply having another birthday, buying another vehicle, or getting a ticket for careless driving can trigger price changes that can make some companies more affordable than others.
And not only may your rating factors change, but car insurance companies amend premium rates as needed in order to be able to pay unexpected claims. Significantly higher losses can result in higher priced premiums, while lower claim expenses may cause more affordable Scottsdale car insurance rates.
As an example, the chart below demonstrates which company has the cheapest car insurance in Scottsdale, AZ for a 40-year-old male driver with a clear driving record, no claims, and great credit. Based on his current risk factors, The Hartford might offer the best car insurance rates in Scottsdale at $1,105 annually. This is $323 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the rest of the top five cheapest Scottsdale, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver from the above example some claims, less-than-perfect credit, and a traffic ticket or two. Since each insurance company uses their own calculation to set premium rates, analyzing rate quotes will most likely result in a slightly different list of the cheapest Scottsdale car insurance companies as shown below.
Progressive now has the lowest car insurance rate in Scottsdale, AZ with Ameriprise Group, CSAA, Allied, and Safeco also being competitive. This shows why consumers need to compare as many rates as possible to find the most budget-friendly auto insurance rates for a school permit.
Insurance rates are made up of many things and can change substantially, so the most affordable company two years ago may now not even be in the top five.
If you wish to get some professional advice when shopping for cheaper insurance for a learners permit, the agencies below can help you decide which auto insurance policy would work best for you.
To locate a Scottsdale insurance agent close to you, click the button following the list.
Roz Bankston – State Farm Insurance Agent
6900 E Camelback Rd #820 – Scottsdale, AZ 85251 – (480) 897-6500
Robert Smith – State Farm Insurance Agent
7505 E 6th Ave Ste 204 – Scottsdale, AZ 85251 – (480) 588-6456
Arizona Western Insurance Services
13951 N Scottsdale Rd # 234 – Scottsdale, AZ 85254 – (480) 483-3311
Allstate Insurance: Schubert Insurance and Financial Svcs
20731 N Scottsdale Rd – Scottsdale, AZ 85255 – (480) 515-6259
Scott Holly – State Farm Insurance Agent
4014 N Goldwater Blvd Ste 202 – Scottsdale, AZ 85251 – (480) 949-7204
Tips to find low-cost auto insurance for a school permit
It’s not impossible to find cheaper rates, and here are many money-saving suggestions that can help Arizona drivers buy lower-cost coverage.
- Save money by insuring older vehicles for liability only
- Don’t have frequent claims
- Higher deductibles save money
- Do not get tickets
- Avoid accidents and claims
- Comparison shop frequently
The last tip is extraordinarily important, as we noted in this article. Prices charged by car insurance companies in Scottsdale can change considerably in a year, so don’t be tentative to buy from a different company if you can save money.
Loyalty to a specific company is fine, but it’s not a good idea if that inflexibility results in costing you big bucks every year. In less than five minutes you could compare prices to find cheaper car insurance for a school permit.