The best way to get budget auto insurance rates in Scottsdale is to start comparing rates regularly from companies in Arizona. Drivers can shop around by completing these steps.
First, spend some time learning about the different coverages in a policy and the things you can change to prevent high rates. Many factors that are responsible for high rates such as at-fault accidents and a negative credit score can be eliminated by being financially responsible and driving safely. This article gives more ideas to find cheap rates and get discounts that may be available to you.
Second, request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can quote prices from multiple sources.
Third, compare the new quotes to your existing rates to see if you can save by switching companies. If you find a lower rate, ensure coverage does not lapse between policies.
Fourth, notify your company or agent of your decision to cancel your existing policy. Submit a down payment along with a signed application to your new carrier. Once the paperwork is finalized, keep the new certificate verifying coverage in your vehicle.
One piece of advice is to try to compare similar coverage information on each price quote and to quote with as many car insurance companies as possible. This helps ensure a level playing field and maximum price selection.
It's an obvious assumption that auto insurance companies want to prevent you from shopping around. Consumers who shop rates annually are likely to switch auto insurance companies because there is a high probability of finding coverage at a cheaper rate. A study showed that people who routinely shopped around saved over $72 a month compared to people who don't make a habit of comparing rates.
If finding the cheapest price on car insurance in Scottsdale is your ultimate goal, learning how to choose a company and compare insurance premiums can help make the process easier and more efficient.
Locating the best insurance company for you in Scottsdale is not that difficult. If you have coverage now or just want cheaper rates, you can use these tips to find the best rates and still have adequate protection. Consumers just have to use the tricks to compare rate quotes instantly.
The auto insurance companies shown below can provide quotes in Scottsdale, AZ. In order to find cheap auto insurance in Arizona, it's a good idea that you compare several of them in order to find the cheapest rates.
Save a ton on Nissan Altima insurance in Scottsdale with these discounts
Insurance is not an enjoyable expense, but you might already qualify for some discounts to help bring down the price. Certain reductions will be credited at the time of purchase, but a few need to be manually applied in order for you to get them.
- Early Renewal Discounts - Some companies reward drivers for switching policies early. You may see this discount when you get Scottsdale car insurance quotes online.
- Claim Free - Scottsdale drivers who stay claim-free have much lower rates in comparison with bad drivers.
- Distant Student Discount - Any of your kids who attend college more than 100 miles from Scottsdale and leave their car at home may qualify for this discount.
- Federal Government Employee - Simply working for the federal government can earn a discount up to 10% with some insurance companies.
- Braking Control Discount - Vehicles with ABS braking systems or traction control are much safer to drive and the ABS can save up to 10%.
- Smart Student Discounts - This discount can get you a discount of up to 25%. The discount lasts up to age 25.
- Discount for New Cars - Insuring a vehicle that is new can save up to 30% since newer models have better safety ratings.
As is typical with insurance, most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you could get a free insurance policy, you aren't that lucky. Any amount of discount should help reduce your policy premiums.
The information below shows the difference between Nissan Altima auto insurance rates with and without discounts being applied to the rates. The prices are based on a male driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-policy, marriage, and multi-car discounts applied.
To find insurance companies who offer discounts in Scottsdale, follow this link.
Analysis of coverages
The rate table shown next highlights different insurance rates for Nissan Altima models. Learning more about how insurance premiums are determined can benefit drivers when making smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$232||$390||$300||$18||$90||$1,030||$86|
|Altima 2.5 S 4-Dr Sedan||$232||$460||$300||$18||$90||$1,100||$92|
|Altima Hybrid 4-Dr Sedan||$262||$460||$300||$18||$90||$1,130||$94|
|Altima 2.5 S 2-Dr Coupe||$262||$460||$338||$20||$102||$1,182||$99|
|Altima 3.5 SR 4-Dr Sedan||$262||$460||$300||$18||$90||$1,130||$94|
|Altima 3.5 SR 2-Dr Coupe||$262||$530||$338||$20||$102||$1,252||$104|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific garaging location which can impact price quotes substantially.
The information below shows how different deductible levels and can affect Nissan Altima yearly insurance costs for different age categories. The premiums are based on a single male driver, full physical damage coverage, and no other discounts are factored in.
Tickets and at-fault accidents raise rates
The chart below shows how speeding tickets and at-fault accidents increase Nissan Altima auto insurance rates for different categories of driver ages. The rates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Rate comparison of full coverage and liability-only
The chart below shows the comparison of Nissan Altima auto insurance rates with and without physical damage coverage. The premiums assume no tickets, no at-fault accidents, $250 deductibles, single status, and no discounts are applied.
Guidelines for dropping full coverage
There is no clear-cut rule to eliminate full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let's assume your Nissan Altima replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after the policy deductible has been paid. If premiums are more than $600 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some situations where dropping full coverage is not recommended. If you haven't satisfied your loan, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. 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 on your policy.
Auto insurance agents can help
Certain consumers just want to get professional advice from a licensed agent and there is nothing wrong with that. Insurance agents can answer important questions and help you file claims. The best thing about comparing rates online is the fact that you can find better rates and still have an agent to talk to.
Once you complete this short form, your coverage information is instantly submitted to local insurance agents in Scottsdale who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won't have to even leave your home due to the fact that quote results will go immediately to your email address. If for some reason you want to get a rate quote from a particular provider, just go to their quote page and submit a quote form there.
Picking an insurer should depend on more than just the quoted price. The questions below may impact your decision as well.
- How often do they review policy coverages?
- Which members of your family are coverage by the policy?
- How much training do they have in personal risk management?
- Do you work with a CSR or direct with the agent?
- Can you choose the body shop in case repairs are needed?
The following is a short list of auto insurance companies in Scottsdale that can give you comparison quotes for Nissan Altima insurance in Scottsdale.
Dan Vukovic - State Farm Insurance Agent
7077 E Bell Rd #207 - Scottsdale, AZ 85254 - (480) 949-5433 - View Map
Allstate Insurance: Schubert Insurance and Financial Svcs
20731 N Scottsdale Rd - Scottsdale, AZ 85255 - (480) 515-6259 - View Map
Once you have received positive feedback to any questions you may have and a low price estimate, you've probably found an provider that is professional and can properly insure your vehicles. Just remember it's your coverage and you can cancel your policy when you choose so never feel you are locked into a policy with no way to switch.
Find Nissan Altima Insurance More Affordably
Many factors are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving history, although others are less obvious like your continuous coverage or your commute time.
The itemized list below are some of the items utilized by car insurance companies to help set prices.
The higher your credit score the lower your rates - Having a bad credit rating is a big factor in calculating your premium rate. Therefore, if your credit rating could use some work, you could be paying less to insure your Nissan Altima if you improve your credit rating. Insureds that have high credit scores tend to be better risks to insure than drivers with lower credit ratings.
Drive less and get lower premiums - Driving a lot of miles every year the more you will pay for car insurance. A lot of companies charge rates based upon how you use the vehicle. Cars and trucks that have low annual miles can be on a lower rate level compared to those used for work or business. Make sure your car insurance coverage is showing how each vehicle is driven. Having the wrong rating on your Altima can cost quite a bit.
Raise coverage deductibles and save - Physical damage coverage, also called 'full coverage', is used to repair damage to your vehicle. Some coverage claims are a windshield shattered by a rock, collision with an animal, and damage caused by flying debris. Physical damage deductibles define how much you are required to spend in the event of a claim. The larger the amount the insured is willing to pay, the bigger discount you will receive.
High performance equals high rates - The make and model of the car or truck you are insuring makes a huge difference in the rate you pay. Lower cost passenger cars generally have the cheapest insurance rates, but your final cost has many other factors.
The next chart is based on a married male driver age 20, full coverage with $500 deductibles, and no discounts or violations. The data compares Nissan Altima insurance premiums compared to other vehicles that have different performance risks.
Females pay lower costs - Statistics show women tend to be less risk to insure than men. However, don't assume that women are BETTER drivers than men. Females and males are in auto accidents at a similar rate, but the men get into accidents with more damage. Men also receive more major tickets such as reckless driving. Male teenagers are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
The diagram below shows the comparison of Nissan Altima annual premium costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, full coverage, $500 deductibles, single status, and no other discounts are factored in.
Policy add-ons add up - Insurance policies have a lot of add-on coverages you can purchase on your Altima policy. Things like rental car reimbursement, towing coverage, and Farm Bureau memberships may be costing you every month. They may seem like a good idea when buying your policy, but if they're wasting money think about removing them and cutting costs.
Nissan Altima insurance loss statistics - Insurers use past loss statistics for each vehicle when setting premium costs. Models that tend to have higher claim frequency or loss amount will be charged more to insure.
The table shown below demonstrates the collected loss data for Nissan Altima vehicles. For each policy coverage, the claim amount for all vehicles averaged together is considered to be 100. Values that are 100 or less are indicative of better than average losses, while percentage numbers above 100 indicate more frequent losses or an increased chance of a larger loss.
|Specific Nissan Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Three reasons car insurance is important
Despite the high cost, paying for car insurance serves a purpose in several ways.
- Almost all states have minimum liability requirements which means you are required to buy a specific minimum amount of liability insurance coverage in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your vehicle has a loan, it's guaranteed your bank will stipulate that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank may insure your Nissan at a more expensive rate and force you to reimburse them for the much more expensive policy.
- Insurance protects not only your car but also your financial assets. It will also cover hospital and medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will cover the repair costs.
The benefits of carrying enough insurance outweigh the cost, particularly when you have a large claim. Unknowingly, the average driver is overpaying over $855 a year so you should quote rates at every renewal to ensure rates are competitive.
Quote more and you will save more
When getting Scottsdale car insurance quotes online, don't be tempted to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at the best cost and still be able to protect your assets.
We've covered quite a bit of information on how to get a better price on Nissan Altima insurance in Scottsdale. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with some of the smallest insurance companies. They may have significantly lower premium rates on certain market segments compared to the large companies like State Farm or Progressive.
To read more, link through to the articles below:
- Understanding your Policy (NAIC.org)
- What Insurance is Cheapest for State Employees in Scottsdale? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Dodge Ram in Scottsdale? (FAQ)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Distracted Driving Statistics (Insurance Information Institute)