It’s safe to assume that auto insurance companies don’t want their policyholders to compare prices. Insureds who shop around for cheaper price quotes will probably buy a different policy because they have a good chance of finding discount prices. Remarkably, a study showed that people who compared rates annually saved on average $72 a month as compared to drivers who don’t regularly compare prices.
If saving money on car insurance in Scottsdale is your ultimate goal, then learning about how to quote prices and compare insurance premiums can make it easier to find better rates.
If you want to save money, the best way to find discount Volvo S60 insurance in Scottsdale is to start doing a yearly price comparison from insurers who can sell car insurance in Arizona.
First, gain an understanding of how car insurance works and the factors you can control to drop your rates. Many risk factors that cause high rates such as speeding tickets, accidents and a poor credit rating can be improved by making lifestyle changes or driving safer.
Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while independent agents can quote rates for many different companies.
Third, compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you find a lower rate quote and buy the policy, make sure there is no lapse in coverage.
Fourth, tell your current agent or company of your intent to cancel your current auto insurance policy and submit a down payment along with a completed application to your new agent or company. As soon as you have the new policy, put the certificate verifying proof of insurance somewhere easily accessible.
The most important part of shopping around is that you’ll want to make sure you compare similar limits and deductibles on each quote request and and to get rate quotes from as many companies as feasibly possible. Doing this helps ensure a level playing field and and a good selection of different prices.
Companies offer lots of discounts on Volvo S60 insurance in Scottsdale
Auto insurance companies do not list the complete list of policy discounts in a way that’s easy to find, so here is a list a few of the more common as well as some of the hidden discounts that you can inquire about if you buy Scottsdale car insurance online.
- Drive Less and Save – Fewer annual miles on your Volvo can earn discounted premium rates on garaged vehicles.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up before driving could save 15% on the premium charged for medical payments and/or PIP.
- Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.
- Anti-theft System – Cars and trucks that have factory anti-theft systems are stolen less frequently and will qualify for a discount on a Scottsdale car insurance quote.
- Paperwork-free – A handful of car insurance companies will give you a small discount for buying your policy on your computer.
You should keep in mind that many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. Even though it appears adding up those discounts means a free policy, companies don’t profit that way. But any discount should definitely cut your overall bill.
A few popular companies and their possible discounts are:
- The Hartford offers discounts including driver training, air bag, good student, anti-theft, bundle, and vehicle fuel type.
- American Family may include discounts for accident-free, multi-vehicle, Steer into Savings, air bags, and defensive driver.
- Progressive discounts include online quote discount, multi-policy, continuous coverage, good student, multi-vehicle, and homeowner.
- Travelers may have discounts that include early quote, multi-car, driver training, payment discounts, and IntelliDrive.
- Farmers Insurance has savings for mature driver, early shopping, business and professional, bundle discounts, distant student, electronic funds transfer, and teen driver.
- USAA offers premium reductions for vehicle storage, driver training, multi-vehicle, family discount, new vehicle, and safe driver.
- Liberty Mutual policyholders can earn discounts including good student, new move discount, teen driver discount, newly married, and multi-policy.
Check with all the companies the best way to save money. Discounts may not apply to policyholders everywhere.
The providers in the list below offer free quotes in Scottsdale, AZ. If multiple companies are listed, we suggest you visit two to three different companies to get the lowest price.
Car insurance agents can help
Some people would rather buy from a local agent and doing so can bring peace of mind Licensed agents can help you build your policy and will help you if you have claims. A good thing about getting online price quotes is the fact that drivers can get cheap rate quotes but still work with a licensed agent. Buying from local insurance agents is especially important in Scottsdale.
After completing this short form, your coverage information gets sent to agents in your area who will return price quotes for your coverage. It’s much easier because you don’t need to find an agent because quoted prices will be sent instantly to you. If you want to quote rates from one company in particular, you can always find their quoting web page and give them your coverage information.
Below are Scottsdale insurance companies that may be able to provide price quote information for Volvo S60 insurance in Scottsdale.
Desert Mountain Insurance Services – Medical Malpractice
2918 N 67th Pl – Scottsdale, AZ 85251 – (480) 348-2200 – View Map
Selecting an insurance company is decision based upon more than just the bottom line cost. The answers to these questions are important, too.
- Who is covered by the car insurance policy?
- If independent agents, which companies do they recommend?
- How long has the business existed?
- Do you work with a CSR or direct with the agent?
- Is insurance their full-time profession?
Choosing vehicle insurance is an important decision
Even though it’s not necessarily cheap to insure a Volvo in Scottsdale, insuring your vehicle is a good idea for several reasons.
- Most states have minimum liability requirements which means you are required to carry a specific minimum amount of liability coverage in order to drive the car legally. 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 you have a loan on your S60, most banks will require that you buy insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Volvo at a significantly higher premium and force you to pay the higher premium.
- Insurance safeguards your vehicle and your assets. It will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of carrying enough insurance greatly outweigh the cost, especially if you ever need it. As of last year, the average driver in Arizona is currently overpaying as much as $855 a year so compare rates at least once a year to ensure rates are inline.
Auto insurance 101
Having a good grasp of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most auto insurance policies.
Comprehensive or Other Than Collision
This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as hitting a deer, hitting a bird, hail damage and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Coverage for liability
This can cover damages or injuries you inflict on other people or property. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 15/30/10 that means you have a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability can pay for things such as court costs, attorney fees, repair bills for other people’s vehicles and medical services. How much coverage you buy is your choice, but you should buy as high a limit as you can afford. Arizona state law requires minimum liability limits of 15/30/10 but you should think about purchasing more liability than the minimum.
The next chart demonstrates why buying the state minimum limits may not be high enough to adequately cover claims.
Medical costs insurance
Med pay and PIP coverage provide coverage for bills for funeral costs, prosthetic devices and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since many Arizona drivers carry very low liability coverage limits (which is 15/30/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.
Coverage for collisions
Collision coverage pays for damage to your S60 resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things like sustaining damage from a pot hole, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible on your S60 in order to get cheaper collision rates.
Shop smart and save
When searching for low cost Scottsdale car insurance quotes, do not sacrifice coverage to reduce premiums. Too many times, someone dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible at the best price while still protecting your assets.
Cheaper Volvo S60 insurance in Scottsdale can be bought from both online companies as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and usually these small, regional companies prefer to sell through local independent agents.
- Choosing a Car for Your Teen (State Farm)
- Who Has Cheap Car Insurance Rates for 18 Year Olds in Scottsdale? (FAQ)
- Side Impact Crash Tests (iihs.org)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)