Unimaginable but true, over 70% of drivers renewed their policy with the same company for at least the last four years, and practically 40% of auto insurance customers have never shopped around. Many drivers in Scottsdale could save almost $700 every year, but they think it’s difficult to find cheaper auto insurance rates.
The best way we recommend to get cheaper auto insurance rates in Scottsdale is to start comparing prices regularly from companies in Arizona.
- Step 1: Take a few minutes and learn about what is in your policy and the things you can change to drop your rates. Many factors that are responsible for high rates such as tickets, at-fault accidents, and bad credit can be controlled by paying attention to minor details. Later in this article we will cover additional tips to help reduce prices and get additional discounts.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Allstate, while agents who are independent can quote prices from many different companies.
- Step 3: Compare the quotes to your existing policy to see if a cheaper rate is available. If you find a lower rate and decide to switch, ensure coverage does not lapse between policies.
A key point to remember is to use similar deductibles and liability limits on each quote request and and to look at as many car insurance companies as possible. Doing this guarantees a fair price comparison and a better comparison of the market.
Cheap Acura insurance rate quotes in Scottsdale
The providers in the list below can provide free rate quotes in Scottsdale, AZ. If your goal is to find the best cheap auto insurance in Arizona, it’s a good idea that you compare several of them in order to get a fair rate comparison.
Get affordable rates by applying discounts
Car insurance is not cheap, but there could be available discounts to help bring down the price. Certain reductions will be credited at the time of quoting, but some discounts are required to be inquired about prior to getting the savings.
- Air Bags and Passive Restraints – Factory air bags can qualify for discounts of up to 25% or more.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your Scottsdale car insurance quote.
- Driver’s Education for Students – Have your child participate in a local driver’s education class in school or through a local driver safety program.
- Multiple Policy Discount – If you combine your auto and homeowners policies with the same company you could get a discount of 10% to 20% off each policy.
- Include Life Insurance and Save – If the company offers life insurance, you could get a small discount if you purchase life insurance.
- Senior Discount – Older drivers may receive reduced rates.
Policy discounts save money, but most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.
Some of the larger companies that possibly offer some of the discounts shown above are:
If you need low cost Scottsdale car insurance quotes, ask all the companies to apply every possible discount. Some of the earlier mentioned discounts may not be offered in every state. If you would like to view insurers that offer multiple discounts in Scottsdale, click this link.
How do Car Insurance Companies Determine Acura TLX Insurance Rates?
Multiple criteria are part of the equation when pricing auto insurance. A few of the factors are predictable like your driving record, but other criteria are more obscure like your vehicle usage or how safe your car is. One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that come into play when calculating auto insurance rates. If you understand what determines premiums, this helps enable you to make changes that may result in lower premium levels.
Annual mileage impacts costs – The more you drive annually the higher your rates will be. Most insurance companies calculate rates based on how the vehicle is used. Cars and trucks that have low annual miles receive better premium rates compared to those used for work or business. An improperly rated TLX may be costing you higher rates. It’s a good idea to make sure your auto insurance policy states the correct usage, because it can save money.
More performance means higher costs – The make and model of the car you are buying insurance for makes a substantial difference in your rates. The lowest premiums are for economy passenger models, but other factors influence the final cost greatly.
High credit scores save money – Having a bad credit score factor in determining what you pay. People with excellent credit scores tend to be more responsible than those with bad credit. Therefore, if your credit history can be improved, you could save money insuring your Acura TLX if you clean up your credit.
File policy claims and pay more – Car insurance companies in Arizona generally give the lowest premiums to drivers who do not file claims often. If you are the type of insured that files lots of claims you can pretty much guarantee either higher rates or even cancellation. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
How your age affects costs – Inexperience drivers tend to be less responsible when driving therefore auto insurance rates are much higher. More experienced drivers are shown to be more cautious, statistically cause fewer accidents, and are safer drivers.
Where you call home factors in – Residing in smaller towns and rural areas of the country is a positive aspect when talking about auto insurance. Drivers in populated areas have more auto accidents and much longer commute distances. Lower population means a lower chance of having an accident in addition to fewer liability claims.
Being married pays dividends – Being married helps lower the price when buying auto insurance. It demonstrates that you tend to be more mature and responsible and it’s proven that married couples file fewer claims.
Pay less with a high NHTSA crash test rating – Cars with high safety ratings can get you lower premiums. Safe vehicles have better occupant injury protection and reduced instances of injuries means your insurance company pays less which can mean better rates for you. If the Acura TLX scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
Acura TLX claim statistics – Auto insurance companies take into consideration insurance loss statistics for every vehicle to help set a rate to offset losses. Vehicles that historically have a higher amount or frequency of claims will have higher premium rates. The table below shows the compiled insurance loss statistics for Acura TLX vehicles.
For each policy coverage type, the statistical loss for all vehicles, without regard to make or model, is considered to be 100. Numbers shown that are under 100 indicate a favorable loss history, while values that are 100 or greater point to more losses or an increased likelihood of larger losses.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Acura TLX 4dr 2WD||90||75||97||93||74||77|
|Acura TLX 4dr 4WD||120||75|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
What if I want to buy from local Scottsdale insurance agencies?
A small number of people just want to visit with an insurance agent and that is not a bad decision One of the great benefits of price shopping on the web is that drivers can save money and get cheaper prices but still work with a licensed agent.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is emailed to agents in your area that can provide free Scottsdale car insurance quotes for your insurance coverage. You don’t have to search for an agent due to the fact that quote results will go immediately to you. You can get cheaper insurance rates and an insurance agent to talk to. If you have a need to compare prices for a specific company, feel free to visit that company’s website to submit a rate quote request.
Finding a good insurance company is decision based upon more than just the premium amount. Here are some questions to ask:
- How much experience to they have in personal lines coverages?
- Will one accident increase rates?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they review policy coverages at every renewal?
- Does the company have a solid financial rating?
Pick the best auto insurance agent in Scottsdale for you
If you are wanting to purchase insurance from a reliable agent, you should know the different agency structures and how they can quote your rates. Insurance policy providers are classified as either exclusive or independent (non-exclusive).
Exclusive Insurance Agencies
Agents that elect to be exclusive work for only one company like Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to compare rates from other companies so you might not find the best rates. These agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Drivers often buy insurance from these agents partially due to the prominence of the brand rather than having low rates.
The following are exclusive agents in Scottsdale willing to provide price quotes.
- American Family Insurance – J M Chapman Agency Inc
7055 E Thomas Rd – Scottsdale, AZ 85251 – (480) 945-7122 – View Map
- Farmers Insurance – Jim Kreisman
9590 E Ironwood Square Dr #230 – Scottsdale, AZ 85258 – (480) 491-8585 – View Map
- Shar Roos – State Farm Insurance Agent
9393 N 90th St Ste 108C – Scottsdale, AZ 85258 – (480) 478-6968 – View Map
Independent Insurance Agencies
Independent insurance agents can quote rates with many companies so they can write business with lots of companies and find the cheapest insurance rates. To move your coverage to a new company, your agent can just switch to a different company which requires no work on your part.
If you need cheaper insurance rates, it’s a good idea to get some free quotes from multiple independent agents in order to compare the most rates. Most independent agents also contract with smaller mutual companies which may provide better rates.
Below is a list of independent agencies in Scottsdale that are able to give price quotes.
- Scottsdale Insurance Home
20875 N Pima Rd – Scottsdale, AZ 85255 – (480) 712-0400 – View Map
- Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map
- Citywide Insurance
13802 N Scottsdale Rd #106 – Scottsdale, AZ 85254 – (480) 607-7537 – View Map
Compare but don’t skimp
Some insurance companies do not offer rate quotes online and many times these smaller companies work with independent agencies. Cheaper Acura TLX insurance in Scottsdale can be purchased online in addition to local insurance agencies, and you should be comparing both to get a complete price analysis.
While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In many cases, drivers have reduced liability coverage limits only to regret at claim time that it was a big error on their part. Your goal should be to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.
In this article, we presented many tips how you can compare Acura TLX insurance rates in Scottsdale. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from a small local company.
For more information, feel free to visit the articles below:
- Booster Seat Ratings (iihs.org)
- What Insurance is Cheapest for 4×4 Vehicles in Scottsdale? (FAQ)
- Who Has Cheap Auto Insurance for Drivers with a DUI in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Auto Insurance for a Learners Permit? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Prepare your Teens for Safe Driving (InsureUonline.org)